Financing Programs | 6 min
Direct Leasing
Our Direct Financing and Leasing Programs are for equipment users who want a leasing partner with the experience and knowledge to craft financing solutions that meet your specific financial, accounting, tax and other needs and objectives.
Sentry has developed its financial expertise by working closely with our customers, understanding their needs, and then engineering tailored leasing and financing solutions. Sentry’s strength in structuring financing solutions is derived from its highly skilled and experienced management team, each with over 30+ years of experience. Sentry’s intellectual capital continues to expand as the financing needs of our business partners evolve and grow.
Why Partner with Us?
Sentry’s thorough understanding of each client’s needs and objectives is the key to matching appropriate financing/leasing solutions to each client’s specific requirements. We listen, evaluate, and recommend flexible financing solutions at competitive rates. There are many reasons to work with Sentry for your next financing. Here are a few of the best:
One Convenient Source:
Sentry is your single source for all of your equipment financing needs.
Simplicity:
Equipment financing does not have to be complicated. We keep the process simple—even when the transaction is not.
Competitive Pricing:
Competitive pricing and creative structures.
Flexibility:
Tailored financing products to meet your specific needs.
Array of Equipment Types:
The capacity to finance virtually any equipment type, as well as software and services.
Manage Technology Obsolescence:
Maximize the useful life of your equipment and shift the equipment disposal hassles and risks to Sentry.
Our clients’ needs vary depending on the nature of their businesses and their particular objectives for the equipment to be financed. Sentry crafts its equipment financing solutions to meet those specific needs and objectives.
Our finance product offering is extensive. By teaming with Sentry, you will achieve an array of benefits. We’re better together—contact us today.
Are We The Right Fit?
Sentry is actively seeking additional client lessees/borrowers who value long-term, mutually beneficial relationships. Our equipment user clients typically are investment grade, near-investment grade, middle market, and smaller but established creditworthy companies.
Sentry is also able to provide financing to some more challenging credits with appropriate credit enhancements, e.g., guarantees, letters of credit, security deposits, additional collateral, and the like.
Sentry’s typical financing transactions involves equipment with an installed cost ranging from $20,000,000to $100,000,000 (although there is no unequivocal minimum or maximum).
why Should I Lease/Finance Instead of Paying Cash for New Equipment?
Cash Preservation:
Pay only for the use of the asset, not for the ownership; avoid tying up capital in assets, keep capital to build your business.
Liquidity Maintenance:
No down payment necessary—Sentry can provide up to 100% financing.
Cash Flow/Budgeting:
Receive longer-term, fixed-payments and potentially lower payments; the equipment pays for itself.
Alternate Source of Capital:
Existing bank lines of credit are not impacted.
Off-balance Sheet Source of Funds:
Improve ROE, ROA and many other financial ratios by utilizing lease financing instead of borrowing.
Tax Advantages:
Lease payments may be expensed depending on the structure of the specific financing. Leasing helps avoid Alternative Minimum Tax (AMT).
Equipment Obsolescence:
Avoid the risk of owning and disposing of equipment that is no longer technologically useful or valuable. Upgrade, trade-in and return provisions provide maximum flexibility.
Flexibility and Convenience:
Many services such as insurance, maintenance, and taxes can be included in the lease payment.
Capital Budgeting Constraints Relief:
Acquire needed equipment outside of the capital budget, as lease payments are usually paid out of the operating budget.
Managed Services Agreement:
As many companies move to an outsourced model for critical services, Sentry is able to structure equipment, software, and services relationships under a Managed Services Agreement, which can also avoid limitations imposed by capital budgets and operating leases.
What Does Sentry Offer?
As a full-service, independent commercial leasing company, Sentry has developed the complete infrastructure to meet and exceed your equipment financing and leasing needs, including:
The capability to provide the full spectrum of financing and leasing solutions, from the basic to the extremely complex; and
The ability to finance a broad range of equipment types.
Each Sentry financing transaction is tailored to meet your specific needs and objectives. We take a very collaborative approach to our customer and business relationships. Our professionals will work together with yours to accomplish your objectives and to solve the problems and issues that arise along the way.
Give us the opportunity to prove ourselves; the result will be a long term, win-win relationship between our two companies.
Where does sentry do business, and what are sentry’s finance products?
For almost four decades, Sentry has provided equipment financing both domestically and internationally. The list of finance products that Sentry is able to offer through a bank program to your bank’s customers is extensive and includes:
- Operating Leases
- Capital Leases
- Lease Lines of Credit
- Structured Leases
- Sale-leasebacks
- Full Service Leases
- Software and Services Financing
- Rentals
- First Amendment Leases
- Fully amortizing and partially amortizing loans
What kind of equipment does sentry lease/finance?
Since 1986, Sentry has financed a broad variety of equipment types, including the following equipment types:
- Agriculture
- Airlines
- Alternative energy
- Automotive
- Banking
- Broadcast
- Communications
- Construction
- Corporate Aircraft
- Food Production and Distribution
- Furniture and Fixtures
- Healthcare/Medical
- High Technology
- Machine Tools
- Manufacturing
- Materials Handling
- Point-of-sale
- Software
- Telecommunications
There are almost no restrictions on the type of equipment Sentry can finance if the overall transaction makes sense. However, due to the effect of the fossil fuel industry on the climate crisis, Sentry does not provide financing to companies involved in fossil fuel exploration, production, or distribution.
IS MY COMPANY CREDIT WORTHY?
For companies with rated debt, the rating should be at least B2 Stable (Moody’s) or B Stable (Standard & Poor’s). For companies without rated debt, Sentry will utilize its internal rating system, which is similar to the Moody’s and S&P ratings models. Therefore, the Sentry rating should be at least B Stable based on audited financial statements. If a company does not meet that rating threshold, Sentry may be willing to pursue the financing transaction if, with appropriate structuring, the transaction, as opposed to the company, is rated at least B Stable.
I’m Interested. How Do We Get Started?
To obtain leasing or financing solutions for your equipment needs, please review whether we’re a fit. If your company meets the guidelines, simply contact us, or complete a financing application and we will begin our journey together.