Laser Equipment Financing available from NCMIC, Stearns Bank & USBank. Discover Lasers LLC and Class4Lasers.com does not do in-house financing. We are APPROVED VENDORS with these well established financial institutions, which allows for fast, professional funding and delivery of your new Class 4 Therapy Laser. If you prefer, we can also work with any financial lender of your choice.
Our Affordable Class 4 Lasers Provide a Fast Return On Investment (ROI). Take Advantage of Financing Tax Benefits, Get a Game Changing Tool for Your Practice, and Establish a New Cash Based Income Stream that will add cash flow to your bottom line for years to come.
Magda Lippold
Account Manager, NCMIC
d 515-313-4775 | | tf 877-770-7244 ext 4775
Joshua Eastman
Account Manager – Business Development
Direct: 800-247-1922 Ext. 3255 | Cell: 320-980-1371 | [email protected]
500 13th St, PO Box 750, Albany MN 56307
stearnsbank.com
Offering Competitive Rates
FINANCING SERVICES:
Maryam Ebadi
Business Banking Specialist NMLS #1374622
Orange County Business Banking
C. 949.468.6674
Stearns Bank Financing Details and Notes:
- Flexible terms up to 60 months
- Customized payments to meet YOUR needs!
- Delayed Payments(up to 6months!) – Widen your repayment timeline to build your cash flow.
- Seasonal Payments – Align payments with the fluctuations of your industry.
- Step Payments – Reduce payments at the beginning or end of the term.
- Semi-Annual Payments – Make payments every four or six months to fit your cash flow.
- 100% financing (including tax).
- Loans qualify for Section 179 tax deductions.
- Fast approval and funding.
- We take startup companies with ownership having prior industry experience.
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SEE NCMIC’s FINANCING SPECIAL BELOW:
Soft credit pull
Flexible terms available 12-60 months
NO down payment
NO prepayment penalties at any point, including no future interest charges at the time of pay off
NCMIC does not report business loans to personal credit bureau when in good standing, therefore it will not impact personal debt to income ratio
NCMIC loans quality for the section 179 and section 44 tax deductions
NO payments for 90 days options available
NO hard credit inquiry, soft credit check only
$99 documentation fee
100% financing including tax and s/h Most credit decisions available within 2 business hours
Click this secure NCMIC website link to fill out application or Call Magdalena at NCMIC 515-313-4775
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• 100% financing – Finance your entire purchase, including software, freight, taxes, and more.
• Flexible Plans & Deferrals – Choose a repayment plan from 12 to 60 months. Defer your first payment for up to 90 days, so you can put your equipment to use without immediately impacting cash flow.
• No Prepayment Penalties – You can pay off the remaining principal balance any time you like. You’ll only pay interest for the time you have the loan. The earlier you pay off, the more you save.
• Fast Approvals and Funding – credit decisions in as few as 2 hours
• Protect your lines of credit – NCMIC does not report business loans to personal or business credit bureaus.
• Preserve your borrowing power for other business opportunities.
NOTE: A minimum purchase of $2500 is required for financing
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For consumers who don’t have a business, you could still qualify for 6 Months NO Pay Financing upon approval with PayPal Credit. After approval, simply ask us for a PayPal invoice and then you choose the option to pay with PayPal CREDIT. Simply go to the PayPal CREDIT Application first and get prequalified for 6 Months NO Pay Financing, and then make the purchase.
For business owners and practitioners, please use the link below to complete the online express application:
Financing Application with NCMIC FINANCE CORP
Please contact Mr. Kalon Prensky, Laser Specialist, to request a Proforma Invoice that NCMIC Finance Corporation will request from you to complete your financing approval. Call Toll-Free 1-800-575-7963
Why Finance…
• Cover the cost of your new equipment with the revenue it generates
• Safeguard against inflation
• Monthly payments to fit your budget
• Realize tax advantages
Tax Benefits
Take advantage of any tax deductions that apply when purchasing new or used equipment. We recommend you talk with your financial or tax advisor to make sure you’re maximizing those opportunities.
Section 179 of the Internal Revenue Code is meant to help you improve your practice by adding new or used equipment. The tax savings help you offset payments if you choose to finance.
Under Section 179, your practice could deduct up to $500,000 for any qualifying equipment purchases, even if it’s 100% financed.
How Section 179 Could Work for You
Let’s say you’re expanding your practice and negotiated great prices on a new table and X-ray machine. The total cost is $25,000. Under Section 179 rules, you may be able to deduct the full equipment cost in the year you put the equipment to use.
If you’re in the 35% tax bracket, your tax savings could be $8,750. The amount you save in taxes could exceed the number of loan payments made through the entire first year. Take a look:
Big Tax Savings:
Equipment Cost:
Section 179 Deduction:
Tax Savings (35% tax bracket):
$25,000
$25,000
$8,7500
Equipment Cost: $25,000
Section 179 Deduction: $25,000
Tax Savings (35% tax bracket): $8,7500
How to Apply?
For business owners and practitioners, please use the link below to complete the online express application:
http://www.ncmic.com/expressapp
Please contact Mr. Kalon Prensky, Laser Specialist, to request a Proforma Invoice that NCMIC Finance Corporation will request from you to complete your financing request.
We look forward to doing business with you and serving your Class 4 Laser needs.
Call a Laser Specialist for support at Toll-Free 1-800-575-7963 or 808-870-0348
Financing Benefits, Tax Advantages and Return Policy Disclaimer - When a Leasing Company is Involved:
We are not tax or legal advisors at Discover Lasers LLC. Although we mention some potential tax advantages of financing above, it is suggested that you consult with your appropriate legal and/or tax advisors before you acquire a product via financing.
Customers who acquire a product via a third-party finance company shall agree to the Terms and Conditions of the Financing Company.
