Equestrian facility or agricultural equipment Leasing & Financing options

Your Lease-to-Purchase Options

Creative and simple ways to finance your big ticket purchased - that your banker may not tell you about.

For more information, please read "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.

Agricultural Equipment Leasing is offered by many local and national companies.

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 horse or cattle operations where the owner does hold a 'regular fulltime job' may be eligible.

IF: they are required to file a "Schedule C - other income" federal income tax form.

Or IF: they receive outside income from (for instance) boarding fees, training fees, pasture rental, etc.

THEN: they 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.

EXAMPLE 1 Equipment Lease: 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.

Lease Payments for Roundpen + Rodeo Equip:

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:

As an example of how the Lease-To-Purchase option would work, here is a job quote from August 2006, the customer wanted to know the benefits of using HoofGrid permeable stall flooring in their boarding stable.

Cost-To-Benefit analysis of HoofGrid in a 70-Stall Boarding Stable:

Please note: the estimate below uses the local costs and taxes at the specific facility. Your current local costs may vary, the below will demonstrate the method used to accurately compare before & after costs.

1) the below estimate is based upon their local suppliers retail price in August, 2006

2) the estimate does not include local or state usage taxes or delivery, if either apply

3) the monthly bedding cost at this facility was $25/month/stall.

Quantity of HoofGrid 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 on $19,872.00:

Monthly Payments

= $408 / month (+ local usage tax if any, estimated)

= $5.83 / stall

Total Due at signing

= $940.94 + tax (1st & last month, + $125.00 origination fee)

Total Annual Leasing Expense: $4,895.67 [All correctly structured lease payments may be deducted from the business' gross income from revenue, reducing its tax annual liability proportionately]

$1.00 buyout option at the end of 60 months

Operating Capital reduction using HoofGrid (based upon the local monthly bedding cost of $25/stall, and upon experiencing a median projected bedding cost reduction of only 60%. Your actual savings will be greater or less depending upon your local bedding costs, and upon your personal preferences concerning daily removal of fouled bedding)

Before HoofGrid, using rubber mats ...

= ($25/month/stall bedding costs) x (70 stalls)

= $1,750 / month for bedding

After HoofGrid, replacing the rubber mats ...

Applying 60% reduction: $10 / month bedding costs

= ($10/month/stall bedding costs) (70 stalls) x

= $700 / month for bedding

= $1,050 reduction in bedding costs

Comparison pricing ...

$1,750 / month Before HoofGrid

- $700 / month After HoofGrid

= $1,000 / month savings on bedding

- $408 / month leasing cost for HoofGrid

= $ 592 / month reduction of monthly operations costs

Summary:

Before HoofGrid: client paying $1750 / month only for the bedding

After HoofGrid: client paying $1,108 / month for both bedding + HoofGrid

Plus: saving on time + labor + bedding management or removal, to boot.

Plus: providing a more hoof-healthy, horse-safe stall environment.

Benefits: capital and cash flow benefits of a Lease-To-Own financing program:

Cash flow: Monthly Costs balance with Montly Income from Boarding Fees

Not a Loan: preserving your existing Line 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% - 50% - 75% or more 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™.

+ HoofGrid costs about the same amount as rubber horse mats.

+ Using HoofGrid provides healthier, hoof-healthy stall environment.

+ Using HoofGrid instead of any impervious stall flooring will result in considerable savings in beddding costs and labor, every single day, day after day, thereafter...

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 depending upon the company you elect to apply through.

You may select a local agricultural equipment/durable goods leasing company from your local directory.

Or you may search online. [PLEASE maintain your strict confidentiality, and verify the vailidty of the business through your local BBB or State Attorney General Office.]

You may request an application if you wish.

Then just print it, fill it out, and FAX it in.

Or Apply Now using our generic lease-to-own application form.

Or Request more information about the ECO-TERR lease-to-own alternative financing for equestrian, ranch, and country living equipment.