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California First National Bank is an internet-only bank with no branches.

California First National Bank is an internet-only bank with no branches.

California First National Bank is an internet-only bank with no branches.

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How do I know what lease structure will work best for my needs?

Every project is different. CalFirst will help you determine the most beneficial lease structure for your specific equipment and project goals.

Why should I lease instead of buying the equipment?

Leasing is flexible. A lease provides the use of equipment for specific periods of time at a fixed rental payment and allows you to be more flexible in managing your equipment.

Leasing is cost effective. Equipment may be expensive and some costs can be unexpected. When you lease, the risk of having to operate with potentially obsolete equipment is lower because you can upgrade or add property to meet your changing needs.

Leasing allows you to stay on the cutting edge of technology. Business managers have learned that the primary benefits of higher productivity and profit come from using property, without owning it.

Leasing helps conserve your operating capital. Leasing keeps your other lines of credit open, helping to better manage your balance sheet. You don't tie up cash in property and you can avoid costly down payments.

Do I need to get all of the equipment from one vendor?

No, you may acquire equipment from any number of vendors that you choose. Our Commercial Finance Division will work with all of your vendors to provide seamless and timely delivery of your equipment.

What is my role in the purchasing and payment process with the vendor(s)?

CalFirst's team uses its years of experience in handling purchase orders with your vendors and making prompt payment to them. You simply choose the equipment you want, wait for delivery and let the Commercial Finance Division handle the rest.

Can I lease software?

Yes! CalFirst is one of the only financial institutions in the nation to lease software. In fact, we can also include in the lease any training, conversion, installation or travel costs associated with a big software project.

Can I upgrade and/or add equipment?

Yes. We're a service company and, in particular, our use of a master lease agreement easily facilitates annexing lease schedules for upgrades and/or additional property. Property, subject to our credit review and approval, can always be upgraded and/or added.

Can I delay the start of my rental payments?

Yes. For qualified customers, the first rental payment can be deferred by up to 12 months (subject to approval). Bear in mind, however, that this will affect the overall lease rate.

How can I get started?

Contact us at 1-800-496-4640, or visit our Contact Us page, and we will get you the information you need and answer any further questions you may have.