Opinions

Digital Exclusive: Spend Visibility Leads to Smarter Purchasing Decisions

Patrick Gaskins

The first step in developing a long-term equipment financing strategy is to identify all of the fixed and variable costs associated with operating your current fleet. In other words, what is your current total cost of operation? A spend analysis... read more

Tipping the Scales: Dispatches from the Trenches: Usury and Choice of Law Considerations

Kenneth P. Weinberg

In certain segments of our industry, the interest rate charged for the advance of loan proceeds may exceed the rates allowed under the usury laws of the state where the borrower or lessee may be located. It is important to... read more

Raising the Bar: Fintech Next Gen: Let the Real ‘Tech’ Disruption Begin

Patricia Voorhees

Financial technology — fintech — has reshaped the financing landscape for more than a decade. How has this first generation of fintech transformed equipment finance? How will the next? Turns out Fintech Gen 1 has proven more of an industry... read more

Brokers Bridging the Gap: The Old-Fashioned Way: How to Start an “App Only” Finance Brokerage in Four Steps

Bob Bell

I started as a leasing broker in 1990, and I have made every mistake known to man since then. I once spent $5,000 on an ad in a national magazine (insisted on the right-hand page because I heard it gets... read more

Tipping the Scales: Stipulate – and Lose, Part II

Stephen T. Whelan

It happened again. This time, not simply via an oral ruling by a judge from the bench, but in a written opinion, for all the world to see. And even though the litigants settled their differences after the decision was... read more

Raising the Bar: While Others Ride the Blockchain Wave, Equipment Finance is Still Wading Offshore

Valerie Gerard

With all the hype about blockchain revolutionizing the way business gets done globally, have you ever stopped to think about whether the equipment leasing and finance industry is ready to dive into this potentially disruptive technology? There’s ample evidence of... read more

Greasing the Wheel: Bank Leasing Companies: Our First “Sale” is to Our Banking Teammates

Kenneth Gates

“Why do I need you?” The wording may be different each time the question is asked, but it translates to a clear request for an explanation of value. That the question is being asked by our banking colleagues is an... read more

Digital Exclusive – Three Ways To Reduce Cost Pressure in Construction Equipment Market

Steve De Franco

Between June 2018 and June 2019, the price of construction equipment has risen by 5.8%. That’s a rate more than three-and-a-half times the rate of inflation. As a result of these cost increases, managers of construction equipment are under pressure... read more

Brokers Bridging the Gap: Differentiating Yourself from Other Brokers

Steve Geller

After participating in the banking and finance industry for all of my career and spending over thirty years specifically in the equipment leasing and finance industry as a credit analyst, lending officer, and broker division manager, I have developed an... read more

Crunching the Numbers: Does Your Liability Insurance Cover Vicarious Liability for Leased Assets?

Jody Green, Bill Mulder

All financial institutions have a liability policy, and most believe the policy covers vicarious liability arising from leased assets. For example, as a lessor, you lease a motor vehicle which is involved in an accident caused by the lessee. The... read more

Raising the Bar: Optimizing Vendor Programs: When Rapid Transformation Should Sound an Alarm

Diane Croessmann

Vendor partnerships have existed for decades and continue to be a staple in the equipment leasing and financing industry. Manufacturers and resellers who rely on these programs understand that when vendor partnerships work well, they provide high value. However, during... read more

Brokers Bridging the Gap: Bet on It: The AACFB Annual Conference Recap

Paul Burnham

The AACFB Annual Conference was held May 2-4, at Caesar’s Palace Hotel and Casino in Las Vegas. With a final attendance count of 353 – comprised of 168 brokers, 177 funder/associates and 8 guests – along with 61 exhibitors, it... read more

Balance Is Necessary To Determine Resale Value

Dale Tower

The used truck market has changed considerably in the last five years. 2015 capped off a nice four-year run (2011-2015) of a healthy used truck market. But by the end of 2015, activity slowed down and at the same time... read more

Avoid Technological Obsolescence with Leased Equipment

Frank Bussone

Technological changes are occurring at a dizzying pace. It’s now at the point where it seems like everyday there is some new development that fleet managers have to learn about to determine if it makes sense for their operation. In... read more

Another Reason Why Leasing Makes Sense

Tom Toton

There are many reasons why leasing conforms to the matching principles of accounting and business better than other asset management approaches. For one, leasing insulates the lessee from the vagaries of the used asset market, as well as the surprise... read more

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