How to Pick a Truck Leasing Company

That's why finding the perfect company to lease you your next truck is so important. Some leasing companies go out of the way to earn the trust and respect of their customers. These companies arrange for maintenance and repairs, often file the associated paperwork, take care of government DOT inspections, and arrange for the truck to be washed on a regular basis. Lease providers can also be beneficial by offering fuel cards that allow business owners to track their expenses.

Lease companies can do this because they are the truck's owners. They want to make sure that their investment stays in good condition. As a trucker, however, you benefit from this investment because you don't have to be responsible for or keep track of these types of business transactions, although insuring that the lease companies adequately take care of these issues is important in case of liability or other legal problems.

Even before you get on the road with a leasing company, they can help you through the process of finding the right vehicle. Many lease companies have officials who are trained to help you find the right commercial vehicle at a price that you can afford.

Monthly payments, interest rates, and the stability of the company are all important factors to check before deciding on a company to lease your truck, but convenience is another important characteristic. If you get a great interest rate, but have to stay on the phone for over an hour each day to correct some problem your lease company made, then it probably won't be worth the slightly lower rate. When choosing a lease company, can focus not only on the numbers, but also on the attitude and the service. Lease companies that go a step above in trying to satisfy the customer keep you free to deal with challenges as a new business owner. They also make life easier on you when you need verification of your fuel or maintenance expenses. Although money might be the bottom line, checking out your lease company's amenities is important before you sign that paper.

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Wells Fargo Auto Finance

Wells Fargo Auto Finance
The Effect of the American financial crisis has now started to affect the Canadian Automotive Industry.

Wells Fargo Financial, headquartered in Des Moines, Iowa, is an $18 billion company providing installment and home equity lending, automobile financing, consumer and private label credit cards, leasing, technology services, and receivables financing to consumers and businesses in 47 U.S. states, all 10 provinces of Canada, and the Caribbean.

An affiliate of Wells Fargo Financial, Wells Fargo Auto Finance a division of Wells Fargo Financial Retail Services Company Canada which has been offering non-prime financing programs to dealers across Canada since 1995 has pulled out of Canada

As of November 12th, 2008 Wells Fargo Auto Finance has made the difficult decision to exit the indirect lending channel in Canada. Wells Fargo continuously reviews its operations and makes changes when necessary to align with the current market environment.

New and used Auto Dealers across Canada were notified quietly the Effective as of noon Eastern time November 12th, Wells Fargo Auto Finance will no longer be accepting credit applications from Canadian auto dealers.

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The Basics of Auto Leasing

Auto leasing, rather than buying a car is an attractive option, especially for those who plan to change their cars at fixed intervals of three years or so and for professionals who are able to take advantage of the tax and financial benefits. Auto leasing is a complex issue with many variations on costs and terms. If you have decided that leasing a car is the way for you to go, here are a few tips on what to look out for so as to ensure that you get the best possible deal.

Decide on the auto leasing option that is best for you. There are two basic types - open ended and closed ended.

• In a closed ended lease you return the car to the dealer at the end of the lease period, pay any costs due, including those for extra mileage or excess wear and tear or damages, and walk away. Since the residual value of the car is fixed in advance, the dealer takes the risk of not being able to get what he expects for the car.

• Open ended auto leasing is less common. In this case the residual value of the car at the end of the lease period is estimated but not fixed. Here also you pay the same costs due at the end of the lease as with a closed ended lease, but if the dealer feels that current market conditions have reduced the residual value of the car, you will be required to pay the difference between the estimated value and the current market value. While the lease payments for this kind of lease are generally lower than with a closed ended lease, because the dealer is covered from the residual value risk, disputes on what the residual value is or should be often leads to disputes and other hassles.

• A variation on both these leases is Balloon Auto Leasing. In this case you start out with low payments and the amount increases at regular intervals at fixed times. This is designed to allow people to lease a better car than they can currently afford on the expectation of higher income in the future and the ability to pay higher lease amounts. This is a dangerous option because people tend to budget, based on the initial payments and when the amount increases, they are hit hard.

You should always shop around because terms and conditions vary, depending on the dealer and the leasing company. The auto leasing agreement is between you and the leasing company, not the dealer, who is only representing the leasing company. Read the lease agreement in detail, especially the seemingly unimportant clauses at the end of the agreement. Ask for clarifications on anything you are doubtful about and if the responses you receive do not seem clear and logical, ask for them in writing.

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Benefits of Car Leasing

Car leasing is fast becoming a more popular option as compared to purchasing a brand new car outright. One of the primary reasons is that car leasing companies typically purchase direct from the vehicle manufacturers, thus passing on the benefits to their clients.
Take a look at some of the benefits of car leasing as opposed to outright purchase of a brand new vehicle:
No Major Upfront Costs with Car Leasing
Among the major benefits of leasing a car in the UK is that there is no major expenditure while acquiring a new car; typically all that is required is a small initial advance that is typically about 3 times the monthly lease amount. These smaller upfront costs mean businesses can maintain their profit margins while still experiencing the benefits of a new vehicle for the duration of the lease.

Fixed Interest Car Leasing Plans
Almost all car leases are available on a fixed payment basis. This means that irrespective of any movement in bank base rates, the monthly lease payments always remain constant and unchanged. Among other things, this allows people who lease cars to maintain accurate budgeting for at least the duration of the car leasing contract.

Car Leasing Offers an Alternative Funding Source
Customers who take advantage of leasing to acquire new vehicles get to conserve their available capital and protect their primary funding sources including loans and overdraft facilities. This gives customers the unprecedented advantage of having extra available income without using up their external resources, which will still be available for them at a future date should the need arise.

UK Car Leasing is Tax Deductible
All payments that a business makes under a UK car leasing agreement are regarded as operating expenditure. Hence, these payments can lower the taxable profit on the business
by as much as one hundred percent of the total payable rental.

Reduced Time Spent On Administration & Maintenance With a 'Contract Hire' or a fully maintained operating lease, customers have the option to have the contract fully maintained. This means that all routine services including overnight service, manufacture recalls, service reminders as well as tyre replacements and all other items that may need to be replaced during the lifetime of the contract remains the responsibility of the leasing company. This can dramatically reduce the time spent, and expenditure, on the upkeep of the vehicles.

Car Leasing Offers you the Best of the Best Sure you would like to drive around in the swankiest model available but you don't think that you would ever be able to save enough to actually own any of the latest models of cars. Purchasing a cheaper car is an option, however car leasing offers you the ability to drive around in any of the latest models of your choosing without having to over-extend yourself financially or worry about being head over heels in debt. Charges are incurred only in case the pre-agreed mileage allowance is exceeded or if there is excessive wear and tear on the vehicle.

In addition to all of the above advantages of UK car leasing is the unexpected benefit of not having to worry about car disposal should the need arise. All the risk is taken by the leasing company.

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How to Finance Or Lease an Excavator With Bad Credit

Have you had some trouble obtaining financing for an excavator for your construction or excavation business? If so, you are simply not alone. In a response to America's housing related crisis, there has been a major credit contraction that has trickled down to every type of financing available-including financing an excavator.
There is however, good news. There are ways to get financing for your new or used excavator if you have bad credit.

First, if you have a Trans Union credit score of 600, there is a strong likelihood that you'll be able to purchase AND FINANCE an excavator from bank owned or off-lease inventory. Often times financing concessions are made by the bank or lender to enable them to quickly get the equipment off their books.
Some of the concessions they'll make includes the following:
• Lowering credit score requirements (600 at this point).
• No Bankruptcy requirements (except that it be discharged).
• No Time In Business requirements-This is huge right now! Many banks and leasing companies have either stopped lending to start-up companies or they make it very hard to qualify AND they put relatively low caps on the amount they'll lend ($25,000 is a common cap for new companies at this point).
• Reduced paperwork. Just a simple application is required AND NO financials.
• No down payment. You can typically get in with just one payment up front.

Second, there are still excavator finance options for even the lowest of credit scores (in the 500's and 400's). Now we're talking about severely damaged credit. There is not a bank in the world that will help you now, BUT IF you have secondary collateral you may be in luck.

When working with this type of severely damaged credit you'll need collateral in a 2:1 ration. For example, if your new excavator is priced at $35,000.00, you'll need additional collateral in the amount of $35,000.00. Other equipment that you may own outright (auction value is used to determine value), real estate, land, and autos valued at $10k or more are examples of commonly accepted secondary collateral.

Be realistic in your expectations. If your credit is very damaged and you're a start-up company, don't expect super low bank type rates and payments. Remember, the bank won't approve you for those low rates and payments because you simply don't qualify right now. That's OK. You will eventually.

The thing to keep in mind is that you MAY be able get the equipment to expand, grow, or start your new business. How much will you net or gross by acquiring the new equipment? Does it exceed or greatly exceed the monthly payments for the excavator? What kind of revenue will you pass up without the equipment? Think revenue over trying to get the lowest rates. It's not realistic without the whole package (2-3 year business history, good personal credit of all owners, good corporate credit, good bank statements for the business, good tax returns, etc.).


By Shawn Vaillancourt

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