The E C O - T E R R  Lease-to-Purchase Program
Creative and simple ways to Finance (that your banker may not tell you about).

Apply Now using the Lease-To-Own Online Application,
or Download, Print, Complete and Remit the PDF Hardcopy Application Form.

For more information, please read or download "The Key Benefits of Leasing Agricultural Equipment"
Tax-Deductable Financing for Equestrian and Agricultural Businesses.
If you are a business, you qualify for the most economical alternative to bank loans - often more economical than paying cash.  Ask your accountant or tax consultand about the many advantages of lease-to-purchase financing options for your farm, ranch, stable or business.
ECO-TERR Lease-To-Purchase Financing Options  
E C O - T E R R offers a simple way to finance all our products for our customers.   
AgStar is a full service leasing company that has arranged to assist our customers with financing throughout the United States.

Our lease-to-own program originates financing options for equine and livestock operations, agribusiness and farmers nationwide. "with varying terms to meet everyone's needs"

Leasing has many advantages besides the tax benefit.  Your farm or business will have:
the options to preserve your credit lines,
better cash flow,
payment flexibility,
end-of-lease options,
easier approval,
and fixed payments.

In other words,   "It's the use of equipment, not its ownership, that produces profits."

ELIGIBILITY:   The lease-to-purchase business equipment option is available to all businesses.  The leasing program is still available for non-business consumers and horse owners, however the lease payments may not be deductible from individual tax liabilites.  Ask your tax consultant or accountant concerning your eligibility.

Still, many with 'regular fulltime jobs' may be eligible, if they are required to file a "Schedule C - other income" federal income tax form.   If you receive outside income from (for instance) boarding fees, training fees, pasture rental, etc., then you may also be eligible to deduct all lease payments as operational business expenses.   Also, if you work for a company as an independent contractor, and list the property upon which the equipment would be installed as a home-based business, then you MAY be eligilbe for this lease.  Ask your tax consultant or accountant concerning your eligibility.

As an example of how the Lease-To-Purchase option would work, here is a job quote from November 2005, the customer wanted a roundpen and rodeo arena & equipment.

EXAMPLE 1 Equipment Lease: Lease Payments for Roundpen  + Rodeo Equip:
50' Roundpen and Rodeo Arena & equipment = $20,530.00 + tax
60-month Lease-to-Purchase:
Payments = $427.02 / month + tax
Due at signing = $979.05 + tax (first and last month, + $125.00 origination fee)
All the above lease payments may be deducted as a business expense.
$1.00 buyout at the end of 60 months
EXAMPLE 2 HoofGrid Lease:  Cost-To-Benefits of HoofGrid in a 70-Stall Boarding Stable:
[NOTE: Estimated, Does not include usage taxes or delivery, if either apply]
Quantity Required:  (70 stalls) X (144 sq ft/stall) = 10,800 square feet
Cost Of HoofGrid = ($1.84 / sq ft) X (10,800 sq ft) = $19,872.00
60-month Lease-to-Purchase Monthly Payments:
Monthly Payments = $407.97 / month + tax = $5.83 / stall
Due at signing = $940.94 + tax (1st & last month, + $125.00 origination fee)
Total Annual Leasing Expense: $4,895.67
[NOTE: All correctly structured lease payments may be deducted from the business' gross income from revenue, reducing its tax annual liability]
$1.00 buyout at the end of 60 months
Benefits of HoofGrid using our Lease-To-Own Program:
Cash flow: Monthly Costs balance with Montly Income from Boarding Fees
Not a Loan: preserving your Lines of Credit
No Down Payment or Collateral:  your operating capital remains in your operations budget - where it belongs - instead of giving it to the bank.
Reduce your monthly bills:
25% - 75% Reduction in Bedding Costs
Similar savings in "mucking out" or "picking" Labor Costs
Similar savings on Waste Removal costs
NEVER any horse mats required (this savings alone might "pay for" the HoofGrid)
Add it up: The savings might "pay for" the HoofGrid, probably "more than pay for. . ."

If you are interested in using the E C O - T E R R lease-to-buy business leasing plan, you may get same-day approval.  You may reqeust an application if you wish.  Then just print it, fill it out, and FAX it in.  Apply Now using our lease-to-own application form.

Request more information about the ECO-TERR specialized equestrian,
ranch, and country living lease-to-purchase program.