Equipment Leasing for Businesses

Mosaic International Corporation provides fast, easy and affordable ways to acquire equipment through a variety of leasing and financing solutions. We provide competitive equipment leasing to small, medium and large businesses located throughout the United States and Canada. Business owners who choose Mosaic International as their leasing company have a better chance to be approved for an equipment lease with lower payments and flexible terms, no matter the industry or type of equipment.

“QUICK LEASE” Equipment costing from $2,000 to $150,000
Our Quick Lease is for the established business owner who wants a FAST & SIMPLE lease application process (very similar to applying for a credit card). Qualifying for a Quick Lease, the business has 2+ years verifiable time in business under current ownership. The owners maintain acceptable credit histories showing no bankruptcies, tax liens or excessive slow pays. The Quick Lease is simply the fastest, most convenient and most cost efficient solution for leasing or financing business equipment and software.

To apply, fax or send the following:

1. A completed and signed lease application.
   Download Here or Apply Online Here
2. Copies of your last 3 months business bank statements (Just the first page or two of each month showing the average account balance)
3. Equipment quote OR detailed equipment description showing total cost including shipping and any other costs you want included into the lease.

Business owners can expect to receive a decision within 4 to 8 hours after all information has been received.

How much equipment can be acquired with a Quick Lease?

“STRUCTURED LEASE” Equipment costing from $10,000 up in to the millions
Although the Quick Lease is fast and simple, sometimes the lease will need to be structured specifically for your particular situation. For example, businesses that have been established longer, owners that maintain better than average personal credit, corporations that don’t personally guarantee, equipment that costs in to the hundreds of thousands or millions…all may require a structured lease.

Businesses provide more information when applying for a structured lease. The more information we have, the better we can judge our risk to approve the lease. The lower the risk, the lower the lease rate, which can mean a lower monthly payment for the business.

To apply, fax or send the following:

1. A completed and signed lease application.
   Download Here or Apply Online Here
2. Copies of the last 3 months business bank statements (Just the first page or two of each month showing the average account balance)
3. Copy of the last 2 years audited financial statements. If not audited, include the corresponding corporate tax returns. Equipment quote or detailed equipment description showing total costs, including shipping and any other costs you want included into the lease.

Business owners can expect to receive a decision within 24 to 48 hours after all information has been received.

“LEASING FOR NEW BUSINESSES” Equipment costing from $5,000 to $60,000
All businesses have had to start up at one time or another. In the equipment leasing industry, businesses that have been established less than two full years are considered “Start-ups”. Leasing equipment to a new business is a higher risk simply because of the minimal time of operating history. A higher number of start-up businesses fail in the first two years. It is based off those facts that prohibit many leasing companies from leasing to start-up companies. That’s not the case with Mosaic Leasing!

Mosaic Leasing has established a program that allows the new business to acquire needed equipment to help grow their business. Mosaic Leasing was a start-up at one time and we know that even today’s biggest and most successful companies where start-ups at one time. That’s why we feel offering a leasing program for the new business is very important to us.

How much equipment can a new business acquire under a lease?

To apply, fax or send the following:

1. A completed and signed lease application.
   Download Here or Apply Online Here
2. Copies of your last 3 months business bank statements (first page or two of each month showing the ins & outs)
3. Equipment quote OR detailed equipment description showing total cost including shipping and any other costs you want included into the lease.

THE LEASING PROCESS IS SIMPLE
1. You can choose the type of equipment you need from the equipment supplier you want it from.
 
2. Submit a lease application for processing.
 
3. Upon credit review and approval, a lease agreement is sent to you for signing.
 
4. Overnight the signed lease agreement back to us.
 
5. The equipment supplier delivers and installs the equipment.
 
6. Once we verify you have received the equipment and are satisfied with it, the equipment supplier is paid in full.

The Benefits of Leasing Equipment

Equipment Leasing can allow you to finance 100% of the cost of your equipment including sales tax, license fees, freight, installation, training and software.
 
Leasing does not require a large up-front sum of cash, which helps you conserve your working capital. First and last payments are usually all that’s required.
 
Leasing allows you to keep your existing lines of credit available for other needs such as renovations, emergencies, and payroll!
 
Leasing allows you to stay competitive by acquiring the latest technology today at an affordable monthly payment.
 
Fair Market Value (FMV) leasing options can be utilized to make your equipment lease very tax-efficient. Expensing your lease payments rather than depreciating the equipment accomplishes this. This is called off balance sheet financing. Consult with your tax professional regarding the benefits of leasing.

TRADITIONAL
END OF TERM OPTIONS

"Fair Market Value" (FMV)
This lease option is an excellent option for those customers who expect the value of their equipment to decrease quickly, or will want to upgrade their equipment at the end of their lease. With an FMV lease, customers have the option (at the end of the lease term) to either return the equipment or purchase it for its Fair Market Value. In addition, since this is a True Operating Lease, you can write off 100% of the lease rental payments as an expense.

$1.00 Buyout
This lease is for customers who know that their equipment will not lose its value and will want to keep the equipment at the end of the lease. At the end of the lease term, simply pay the $1.00 option and the equipment is yours!

Fixed Purchase Option
This option is for those customers that favor the flexibility of an FMV lease. However want to cap their equipment buyout at a certain percentage of the equipment value. 10% is a common buyout option.