Leasing Products
Innovative Solutions
American Bank Leasing offers a wide variety of leasing programs to enable businesses to acquire the equipment they need with an innovative financing solution that works best.
The three most common types of leases are described on this page:
Express Lease
American Bank Leasing provides financing solutions for small equipment acquisitions up to $150,000 for business owners across the United States in a variety of industries. We are committed to building long-term relationships with our customers by providing competitively priced and creatively structured financial solutions.
Easy - A simple one page Credit Application (which can be downloaded and faxed) is all that is required for credit processing. We will provide a credit answer to you within 48 hours of receiving all information required.
Fast - Once you have been approved, we will overnight our easy-to-understand documentation to you and provide a pre-paid envelope for return delivery. Once all documentation is received, a check will be sent to the equipment vendor within 24 hours.
Convenient - We can eliminate the need for writing monthly checks for your lease payments by automatically debiting your checking account for you.
Commercial Lease
American Bank Leasing has developed one of the industry's most creative, flexible and competitive lease programs for equipment acquisitions over $150,000. Our diverse financial resources allow American Bank Leasing to fund leases for various types of companies in a wide range of industries. Because of our extensive experience, our account executives will be able to quickly assess your financial position, performance and prospects and recommend a financing solution to meet your needs. We have developed programs for companies with flexible structures, including seasonal or variable payment programs, graduated payment programs, and skip or step payment structures.
Municipal Lease
A financing tool that allows a public entity to purchase essential use assets, including real and/or personal property, by making periodic installment payments over the useful life of the asset. This is a lease-to-own financing solution with no residual and no end-of-lease buyout. Title passes at delivery not at the end of the lease (in most cases). Thus, maintenance and insurance is the responsibility of the government entity.
Visit our FAQs page for more information
The payments under a lease arrangement are subject to annual budgetary appropriation and are included as a line item in the operating budget and are not considered debt.
Municipal leasing is often the lowest-cost financing option, especially when compared to commercial leases. This is because the interest income component of the lease payments is exempt from Federal, and in some cases, state income taxes to the funding source, which allows us to offer reduced interest rates to our municipal customers.
