Equipment Finance & Working Capital Financing

Equipment finance and working capital financing offers businesses a practical way to acquire essential equipment and funding without tying up cash reserves. By opting for equipment financing, businesses can avoid a large upfront cash outlay and instead make manageable monthly payments. This approach not only preserves cash flow but also helps businesses plan and budget more effectively with predictable, fixed monthly expenses.

A capital lease is an equipment finance arrangement that provides the lessee with the right to use the asset for a specific period, with the lease treated as such for accounting purposes. A capital lease records the asset and the associated liability on the balance sheet, reflecting it as if the asset were owned outright by the lessee. This accounting treatment means that the lessee can depreciate the asset and is responsible for the assets maintenance and associated risks, similar to ownership.

An operating lease is an equipment finance arrangement that grants a business the right to use an asset without transferring ownership rights. This type of lease allows businesses to utilize equipment or property without the significant upfront costs associated with purchasing the asset outright. Operating leases are typically shorter-term compared to the asset’s useful life, and at the end of the lease term, the asset is returned to the lessor. This approach provides businesses with flexibility and the ab

Refinancing, or "refi," involves revising and replacing the terms of an existing credit agreement, typically a loan or mortgage. When a business or individual opts to refinance, they aim to secure more favorable terms, such as a lower interest rate, adjusted payment schedule, or other modifications. If the refinancing application is approved, the new contract effectively replaces the original agreement, potentially reducing overall costs or improving financial flexibility.

A leaseback, also known as a sale-leaseback, is an equipment finance arrangement where a company sells an asset and then leases it back from the purchaser. In this transaction, the company that originally owned the asset sells it to a buyer and immediately enters into a lease agreement to rent the asset from the new owner. The terms of the lease, including payment amounts and duration, are established at the time of the sale. As a result, the original owner (now the lessee) continues to use the asset whi

A working capital loan is designed to finance a company's day-to-day operations, addressing short-term operational needs rather than funding long-term assets or investments. This type of loan helps businesses manage their cash flow, covering expenses such as payroll, inventory, and other operational costs. By providing the necessary working capital, these loans ensure that companies can maintain smooth operations and meet immediate financial obligations without disrupting their core business act

Invoice Factoring is a great way to take away the burden of waiting to get paid. If you have invoices that are exceeding 90 days late, that's unacceptable. You work hard for your money and you deserve to have it. DBC has a factoring finance program that's purchasing invoices to expedite payment on your near and helping businesses better manage their cashflow.

Accounts receivable financing enables companies to receive early payment on their outstanding invoices by committing some or all of these invoices to a funder. In this arrangement, the company transfers its invoices to the funder in exchange for immediate cash, minus a fee. This provides businesses with quicker access to working capital financing, helping them manage cash flow and meet financial obligations without waiting for their customers to pay.