eSapp Financial LLC

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	•	How It Works
	•	Benefits of Leasing
	•	Financial News/Rates
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	•	Healthcare Industry
	•	Heavy Duty Machinery

How it Works

Do you need money for your business? eSapp Consulting is dedicated to providing quick and cost-effective funding alternatives to both the general business and healthcare communities.

What will you do for me?
We will find you the best vehicle for your financing needs--whether it is to grow your business or purchase new equipment, software, telephones, office furnishings or even a new medical practice. We will research the lending market, secure a funding source, assist with underwriting, and streamline your financing to get you the best tax advantages, terms, interest rates, and up-front fees.

Why should I use eSapp Consulting to get my loan?
Unlike your local bank, we customize your loan package to benefit you--not the bank. By using regional banks and lending institutions across the country, we can find the best terms and conditions for your business. Depending on your financial needs, we may use a large commercial lender such as GE Capital or CitiBank, a regional bank like Bank One, an insurance organization like Mass Mutual or Conseco, or perhaps a public financial institution. Most financial institutions prefer to keep a blend of loans, leases, equipment, technology, and real estate in their loan mix. As the demand for specific loans changes at each bank, terms and rates go up or down. At eSapp Consulting, we will find the financial institution looking for your type of loan or lease, and that can save you thousands of dollars in rates and fees.

How does eSapp Consulting "customize" my loan package?
Once we receive your completed application papers, we evaluate your financial needs, and start our search for the appropriate lending institution. We may locate two or three financial institutions around the country interested in financing your loan. Before approaching you with a recommendation, your eSapp financial specialist will evaluate those "offers" using specific criteria designed to get you the best deal. We will consider points, fees, closing costs, insurance requirements (disability or life), business overhead insurance, down payments, advance payments, lines of credit, minimum cash reserve accounts, asset value, balloon payments, direct ACH or EFT payments stipulated, residuals, and any audited financial statement requirements. All of these stipulations are underlying cost factors to your business. While many of these items are required for larger loans, some can be exempted for exemplary credit or long history of payment.

Do I have to have A-Plus credit to get a loan?
No. We understand that some customers have a blemish on their credit history. If this is the case, we ask that you provide us with a written explanation as to the circumstances. We will work with companies or practices that have been through challenging situations, whether because of a partnership split, divorce, medical situation, natural disaster, or a downturn in your business. All of these issues can be resolved in a manner that still allows for your funding to take place.

Can I get a loan for anything I want?
eSapp Consulting is in the business of brokering business loans only--not personal loans. While we service a broad range of businesses, we specialize in securing funding alternatives for:

• new busines start-up
• business expansion

We can assist professionals who need to purchase or lease specific technology, such as:

• telephone systems, including installation and cabling
• computers
• computer software
• office equipment and/or furnishings

or heavy duty machinery, such as
• dozers
• excavators
• graders
• trucks, tractors, trailers

or medical equipment for healthcare professionals, including:
• dental and orthodontics
• ophthalmology and optometry
• chiropractic medicine

We can also help physicians grow their business with loans for:
• practice expansion
• practice acquisition
• buying into an existing practice