设备融资:解答问题,揭穿谬见

设备融资:解答问题,揭穿谬见

设备融资:解答问题,揭穿谬见

深入了解您的期末选择,摒弃“您需要完美信用”等谬见 

Equipment financing is a critical process for businesses new and old, large and small, across a wide range of industries. When companies don't have the money to purchase vital machinery outright, they turn to reliable, capable providers like Cat Financial to offer competitive equipment financing rates and terms. You can help your enterprise by learning the answers to common equipment financing questions and understanding that certain common conceptions about financing are actually myths.
 

Frequently asked questions about equipment financing and leasing

What should I look for after my equipment is delivered?

It's crucial to make sure your equipment is in good working condition and can be quickly put to use on the job site. Once you've successfully completed your application, agreed on terms and conditions, received approval and made an initial payment, you want equipment that is ready to work for you.

When your equipment arrives, conduct an inspection to look for any potential issues, like a missing part or exterior damage. Caterpillar® takes great pride in making sure equipment is ready to use before delivery, but unavoidable issues in transit and other unpredictable factors mean you should always give your new machinery a once-over before you put it to work. If you identify a potential issue, get in touch with your local Cat dealer and they'll help you determine the next steps to take.

How can I protect my financed equipment, and what are Extended Protection Solutions?

Extended Protection Solutions offer you an affordable, reliable option for making sure your Cat® equipment receives high-quality maintenance and care for as long as you use it. Cat Financial's coverage options let you make the important decision of what you feel should be protected. Whether it's ensuring any future powertrain repairs are managed by a dependable, authorized local service center or securing Premier coverage for powertrain, hydraulics, technology and structural and electrical components on a new piece of equipment, you make the decision.

You can also incorporate Extended Service Coverage for your power systems and physical damage insurance to protect your heavy equipment from external factors like collisions, fires and floods. These optional additions can help you select the level of coverage that is best for the specific equipment you finance, your available budget, the industry in which you operate, and the potential hazards of the areas where you work.

What are my options at the end of my lease term?

An equipment finance lease offers flexibility, including elements commonly seen in both loans and leases that benefit you and your organization's operations. Cat Financial offers benefits including competitive financing options for qualified customers, extended lease terms that lead to lower monthly payments and an end-of-term option that allows you to purchase the leased equipment for as little as $1, depending on the terms of the lease agreement.

Based on your financial situation and business goals, making a purchase can be an effective way to retain reliable, trustworthy equipment with no ongoing costs beyond routine maintenance and upkeep. You’re not obligated to purchase the heavy equipment you've financed at the end of the lease term, but in many cases, the decision will make financial and operational sense. Be sure to carefully review your finances and anticipated business needs before making your decision. 

What do I do if I want to finance more equipment?

The equipment you finance through Cat Financial can have a major impact on your business. As part of a larger, coordinated strategy for business growth and development, you may find that your company is equipped to handle more work or that you have more potential customers eager to work with you after seeing the results of previous projects.

An existing financing agreement with Cat Financial doesn't mean you can't enter into another contract to acquire additional equipment. Whether you have an increased budget that enables your business to finance brand-new equipment easier, want to increase the amount of machinery in your fleet, or expand the range of equipment you operate, Cat Financial is here to help. With an established relationship, you can reach out to your Cat Financial representative to learn more about securing financing for additional equipment.

 

对各行各业的企业而言,无论企业新旧大小,设备融资都是非常重要的流程。当公司没有足够资金直接购买重要机械时,他们会求助于像 Cat 融资这样有能力且可靠的供应商,从而获得具有竞争力的设备融资费率和条款。了解设备融资常见问题的答案后您就会明白,有关融资的某些常见概念实际上是谬见。清楚这一点后,您就可以着手帮助企业解决问题。
 

设备融资和租赁常见问题

收到设备后我应该做什么?

确认设备处于良好的工作状态并能迅速在作业现场使用,这一点至关重要。在成功完成申请、同意条款和条件、获得批准并支付首付款等一系列操作后,您希望得到能够立即投入使用的设备。

当您收到设备时,检验设备是否存在缺少部件或外部损坏等潜在问题。卡特彼勒保证设备在交货前处于即用状态,不过鉴于运输过程中存在无法避免的问题和其他不可预测的因素,建议您在使用前大致检查新机器。如果发现问题,请联系当地 Cat 代理商,让其协助您确定后续要采取的措施。

我该如何保护融资设备,延长保障解决方案又是什么?

​设备保护计划可提供经济实惠且可靠的选择,确保您的 Cat® 设备在使用期间始终获得优质养护。Cat 融资保障计划支持您作出重要决策,选择要保护的内容。无论是确保由可靠的获授权本地服务中心负责未来的传动系统维修,还是确保为新设备上的传动系统、液压系统、技术及结构和电气部件采用卓越保障计划,都由您来决定。

您可以采用动力系统​设备保护计划财产损失保险,保护您的重型设备免受碰撞、火灾和洪水等外部因素的影响。这些可选附加项目能够帮助您选择最契合所融资设备、可用预算、所在行业以及作业区域潜在危害等考量因素的保护等级。

融资期限结束时我有哪些选择?

设备融资租赁具有足够的灵活性,包括贷款和租赁中常见的有利于您和组织运营的要素。Cat 融资提供的福利众多,包括为合格客户提供有竞争力的融资方案、月供较低的延长融资期限,以及支持您以 低价购买租赁设备的结清方案(具体视租赁协议的期限而定)。

根据您的财务状况和业务目标,购买可以有效地保留可靠且值得信赖的设备,而且除了日常维护和保养外,无需持续成本。虽然您没有义务在融资期限结束时购买您融资的重型设备,不过在多数情况下,从财务和运营角度来看,购买其实是非常明智的决定。请务必审慎评估您的财务状况和预期业务需求,而后再作决定。 

如果想融资更多设备要怎么做?

您通过 Cat 融资进行融资的设备可能会对您的业务产生重大影响。在实施促进企业增长和发展的更大协调战略时,您可能会发现您的公司有能力承接更多工作,或者有更多潜在客户在看到您以往项目的成果后渴望与您合作。

已经与 Cat 融资签订现有融资协议并不表示您不能缔结其他合约来获得更多设备。无论是预算增加使您可以更轻松地为企业融资全新设备,还是想增加设备中的机器数量,或是想扩大运营的设备范围,Cat 融资都能为您提供帮助。如果已经建立合作关系,您可以联系 Cat 融资代表,进一步了解如何为其他设备获得融资。

 

申请商业融资时的六个实用提示

融资为克服某些业务障碍提供了一种有效手段。在申请商业融资时,请考虑下面的六个提示。

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