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CBI Equipment Finance

Equipment Finance

CBI Equipment Finance, Inc. A subsidiary of Commerce Bank

CBI Equipment Finance, Inc., a member of the Equipment Leasing and Finance Association, provides a wide variety of attractively priced equipment leasing solutions that serve all business segments and most equipment types.

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Equipment finance advantages:

  • We view customers as long-term financial partners. Our focus is relationship oriented rather than transaction focused.

  • Our leadership team has over 150 years of combined experience.

  • We offer single point contact whether your needs involve leasing long-lived production machinery or rapidly changing high-technology equipment.

  • We provide our customers with online access to lease documentation and transaction specific data.

Our products include:

  • Non-Tax-Oriented Lease: Typically a fixed rate lease with an option to purchase the equipment for a stated price, generally minimal, at lease end.

  • Tax-Oriented Lease: We retain the tax benefits of equipment ownership resulting in reduced rental costs when compared to a non-tax-oriented lease.

  • Operating Lease: Tailored to qualify as an off-balance-sheet lease for accounting purposes.

  • Municipal Lease: Designed for public entities including schools, counties, cities, and other taxing districts. Generally used for essential equipment and features cost-effective tax-exempt interest rates.

  • TRAC Lease: A tax-oriented lease designed for licensed vehicles, and it transfers the risks and rewards of ownership to the lessee via the Terminal Rental Adjustment Clause.

  • Synthetic Lease: A lease structured to allow off-balance-sheet accounting treatment while allowing the lessee to retain tax benefits of ownership including depreciation.

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