Secured Loans:  Terms from three to seven years.  The interest rate can be either fixed or variable.  The interest rate can be locked through a specified time period or float with a market index.  Additionally, the monthly payment or the repayment term can be variable.

Finance Leases:  Structured from three to seven years with  tax benefits of ownership for account of lessee.  Purchase options may vary from $1.00 to 20%.

Traditional:  Structured from three to ten years with tax benefits for account of lessor.  Purchase option price is fair market value (FMV) at lease termination.

Synthetics and Hybrids:  Similar to traditional leases with the addition of either a predetermined early buyout option (EBO) or a maximum dollar limit or percent of original cost instead of fair market value.

This can allow a company to convert depreciated equipment into working capital for future growth.