Loans & Leasing

At Valley, we have the business financing solutions you need to succeed. Our seasoned loan specialists will work with you every step of the way to make sure you are getting what you need to address your financial objectives. As always, you can depend on us for customized financing solutions with the personalized service Valley has provided since 1927.

EQUIPMENT LEASING

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We understand that your business is your passion. It requires unique financing solutions based on your individual business model. You need a bank that understands your needs and can work with you in developing customized financing solutions that can help you achieve your goals.

We understand your equipment financing needs. We specialize in helping businesses and professionals acquire the equipment and technologies they need to help their organizations grow.

Our products range from variable term direct leases to working capital lines of credit. Our self- funding capability uniquely sets us apart from our competitors and enables us to deliver highly competitive, flexible and customized financing programs that meet specific customer needs. Working with us, customers will maximize the benefits of financing through the most comprehensive and innovative solutions available. Customers can rely on us to design the financing programs they need while backing them with an unparalleled level of service that is second to none.

Benefits Of Equipment Leasing

  • Acquire State-of-the-Art Equipment and Technologies Quickly
  • Conserve Working Capital and Lines of Credit
  • Preserve Cash
  • Increase your Competitive Advantage through Use of New Technology
  • Maximize the Tax Benefits of Leasing
  • Overcome Budgetary Limitations
  • Affordable - Leasing is Less Expensive than Paying Cash

Commercial Equipment
The competitive nature of today's business mandates that companies operate in a more timely and efficient manner. This requires that a company acquire "cutting-edge" technology to meet the ever-increasing demands of their marketplace. Whether you have a need for office equipment, production equipment or industrial machinery, HCC's financial strength and experience enable us to provide the most comprehensive and competitive financing solutions available.

Dental Equipment
From oral hygiene to diagnostics, lasers to x-ray, HCC offers financing solutions to help you acquire the equipment and technologies you need to help your business grow. We understand the needs of the dental profession which enables us to provide the most comprehensive and competitive financing solutions available.

Medical Equipment
From optometry to diagnostics, radiology to laboratory, HCC offers financing solutions to help you acquire the equipment and technologies you need to help your business grow. We understand the needs of the medical and healthcare professions which enables us to provide the most comprehensive and competitive financing solutions available.

Veterinary Equipment
From ultrasound to x-ray, chemistry to cages, HCC offers financing solutions to help you acquire the equipment and technologies you need to help your business grow. We understand the needs of the veterinary profession which enables us to provide the most comprehensive and competitive financing solutions available.

We offer:

  • Direct Leases - Variable Terms
  • Deferred, Graduated or Skip Payment Plans
  • Advance Funding
  • Working Capital Lines
  • Soft Cost Allowance
  • Conditional Sales Contracts
  • Fair Market Value Programs
  • Practice Management Software / Hardware
  • Cost Per Usage Program

When you're looking to grow, you need financing solutions that don't let the present stand in the way of the future. That is why our strategy focuses on one thing - your success. We provide the financing and service you need to seize opportunities, maximize efficiencies and increase profits. As a member of a financial services group with billions in assets, we are uniquely positioned to couple our dedication to superior customer service with the most comprehensive and competitively priced programs in the market.

Questions about Equipment Leasing

Frequently Asked Questions: Lessee Questions
  • Why lease?

    Leasing has many advantages, which makes it an attractive alternative to traditional borrowing. Leasing offers fixed payments, 100% financing of the equipment cost and allows businesses to pay for equipment as it is used to generate income. In addition, leasing helps you to conserve working capital and bank lines of credit.
  • Who leases?

    8 out of 10 U.S. businesses use lease financing to acquire needed capital equipment.
  • What is the lease process?

    You fill out a simple one-page credit application and generally within a few hours you will have a credit response. Documents are then expedited to you. Upon receipt of signed documents, a purchase order is issued to the equipment vendor and your order is delivered. Once we confirm your equipment is received and installed, we activate your lease.
  • How is my payment calculated and what is the interest?

    Lease rates are different from interest rates. There is no actual "interest rate". The monthly payment is based on a lease rate factor and is calculated based on the type of leasing plan you choose, the term and the cost of the equipment.
  • What are the up front costs?

    Typically, the first and last month lease payment and a documentation fee are paid up front. Other programs may call for a Security Deposit. Up front costs depend upon the lease plan that you choose.
  • May I cancel the lease?

    The lease is non-cancelable. However, you may arrange for a prepayment of the lease or upgrade to acquire more equipment.
  • Is there a prepayment penalty?

    There is no penalty for prepaying the lease.
Frequently Asked Questions: Vendor/Dealer Questions
  • What are the advantages of choosing HCC as your leasing source?

    As a bank-owned, publicly held company, we have the strength and financial backing to offer highly competitive rates and flexible structures. In addition, you can expect the highest level of service from our dedicated teams of professionals with the ability to make decisions within.
  • Do you lease used equipment?

    We will consider used equipment depending on the age, condition and type of equipment.
  • When can I expect payment of our invoices?

    Once we have confirmed the equipment is received and installed, we will release funds. We will remit funds via wire transfer or next day delivery.
  • Do you offer pre-funding?

    As an approved vendor, with your customer's authorization we can pre-fund up to 100% of the equipment cost.
  • How will my account be serviced and whom should I contact?

    Your account will be managed by a dedicated HCC Account Executive and supported by an account service team. You will enjoy the benefits of a one on one relationship providing the highest level of personal service in the industry.
  • What costs can be included with the equipment?

    We can include service, training, installation and shipping.
  • What types of lease structures do you offer?

    We offer various terms ranging from 12 to 84 months with $1.00, 10% and FMV purchase options, we can tailor flexible structures to accommodate your customer's needs.