FF & E Leasing

Furniture, Fixtures, and Office Equipment Leasing

Often referred to as FF&E – Having chairs for customers to sit on, a desk to work from, or a cafeteria so your employees can enjoy lunch at work is critical to a business.  Most FF&E items do not have serial numbers and are very difficult to track from a collateral perspective.  Most banks shy away from financing furniture, fixtures, and office equipment because there is no future value or residual.  Office furniture is generally devalued at 40% on bank valuation tables on day one, and at 60 months, they have the value at 5% of the original cost, but the everyday economic useful life of office FF&E is 12 years!  It doesn’t make sense that a lender would not provide attractive terms on 12-year-life equipment.

We are willing to lease FF&E for between 3 and 5 years.  As long as there is adequate free cash flow, we are eager to fund these leases because they are considered “essential use.”

What office equipment do we lease?

We lease pretty much all and any office equipment you will need. Some of those include:
  • Office furnishings
  • Work stations
  • Phone systems
  • Copiers & printers
  • Computer equipment
  • Videoconference equipment

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