Hemlock Equipment Finance

Partner with the Industry Leader for Equipment Lease and Finance Solutions

Creative Finance Solutions

Flexible Lease Programs

Full Life Cycle Services

Complete Asset Management

TYPES OF EQUIPMENT LEASED

Equipment Leasing – Hemlock Equipment Finance specializes in leasing a wide range of products.

Information Technology

Lease cutting-edge technology to enhance your business operations. From servers and networking equipment to storage and telephony, we have you covered.

Lab & Science Equipment

Offering affordable leasing solutions for advanced research and innovation. The latest microscopes, lasers, spectroscopy equipment, and more.

Medical Equipment & Parts

Stay at the forefront of healthcare with top-of-the-line medical equipment. Lease imaging equipment, cardiology equipment, monitoring systems, and more.

Office & Warehouse Equipment

Outfit your business or storage facility with state-of-the-art office and warehouse equipment. Lease printers, copiers, furniture, forklifts, and more.

FINANCING SOLUTIONS

Hemlock Equipment Finance is able to structure many different types of solutions, each specific to the individual needs of our customers.

Operating Lease

Our operating lease option is ideal for companies that frequently update or replace their equipment and prefer to avoid ownership while also avoiding technological obsolescence. It offers the lowest payment of any financing option and is an excellent way to bypass capital budgeting constraints. Additionally, it often qualifies for off-balance sheet treatment and can lead to an improved Return On Asset (ROA) due to a lower asset base.

Capital Lease / Finance

Our finance lease option is a full-payout, noncancellable agreement where the lessee is responsible for maintenance, taxes, and insurance. These leases offer tax benefits and may be more attractive when the equipment’s residual value is high. With residuals up to 10%, the lessee purchases the equipment at a pre-agreed amount upon lease termination. Finance leases have longer terms and cover the useful life of the equipment.

Software Only Lease

We offer financing solutions for computer software and website investments. We understand that these types of investments can be costly, which is why our financing options include installation, training, maintenance, and other associated costs. Our financing solutions provide businesses with the flexibility to choose the technology and software that best suits their needs, without the added burden of upfront costs. Whether you are looking to update your computer software or build a new website from scratch, we can help you finance these investments to ensure that you stay ahead of the curve in today’s competitive market.

Municipal Non-Taxable Lease

Our Municipal Non-Taxable Lease program is tailored to meet the needs of municipal customers, such as state and local government, schools, and healthcare institutions, requiring investments of over $10,000. Customers include city courthouses, county high schools, and public libraries. This program offers numerous benefits, such as tax-free financing rates, immediate credit approval, and flexible financing packages.This program program provides a cost-effective solution that allows municipal customers to invest in the equipment they need to serve their communities while maintaining their budgetary constraints.

Step Lease Options

Step leases offer a flexible financing solution where payment amounts vary according to a pre-determined schedule. Step leases can have increasing or decreasing payments, or both, during the term of the lease. A step lease with increasing payments can be beneficial for a business that is acquiring income-producing equipment that will generate little or no revenue initially but is expected to produce higher levels of revenue in the future. A step lease with decreasing payments might be suitable for a business that anticipates a seasonal or temporary reduction in revenues.

Sale Lease Back

Our sale-leaseback option allows businesses to sell some or all of their capital assets to us and immediately lease them back. This option offers a cash infusion to the business and can help improve their balance sheet. This is particularly attractive to businesses that believe the equity tied up in their equipment can be better utilized elsewhere. Our sale-leaseback option is a flexible and cost-effective financing solution that helps businesses achieve their financial goals while retaining the use of their equipment.