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 Financial Leasing |
| Companies that either
require new equipment to replace an
old one or to expand capacity can use
J-PNB Leasing's Financial Leasing package.
The client company specifies the equipment
and supplier; J-PNB Leasing acquires
the chosen equipment and leases it out
to the client. Through Financial Leasing
the client enjoys the lowest possible
initial outlay involving a guaranty
deposit of as low as 10%. The client
pays very affordable monthly rentals
over a period of 24 to 48 months. For
big ticket leases, the lease period
can be longer. |
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| Sale
and Leaseback |
Very often businesses
find their capital tied up in production
equipment, business machines, or motor
vehicles and lack funds to sustain or
expand operations. One solution would
be to liquefy these fixed assets and
use the cash for working capital.
Through its Sale and Leaseback product,
J-PNB Leasing buys your fixed asset
in cash and leases it back to you ---
at amazing low monthly rentals. You
choose your lease period between 24
to 48 months. |
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| Forex
Leasing |
Here, the client
would normally be an export producer
earning foreign exchange and is thus
able to commit to pay rentals in foreign
currency being exposed to currency risk.
Japan-PNB Leasing is presently the only
finance company offering this product.
This is a financial lease denominated
and payable in a specified foreign currency,
which allows the client to enjoy the
low interest rate of that currency.
Leasing and all its variants have advantages,
which is why more and more businesses
are turning to leasing for a financial
solution. Certain companies however,
may prefer a loan over lease owing to
some reasons. As example, a bus company
has to have a title of ownership over
the bus units to get a line/franchise;
a start-up may want to book the asset
to grow his Balance Sheet; or, a non-profit
organization would not have any use
for a tax-deductible rental expense
under a lease scheme. |
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| Mortgage
Loans |
In such and similar
instances a preferable solution could
be a loan against the asset. J-PNB Leasing
can structure a mortgage loan that can
suit the cash flow and other particular
needs of a client.
Up to 70% of the value of the asset
can be financed under a direct loan
with a mortgage on the property. Repayment
is normally through monthly amortization
of principal and interest. The term
may be as short as 12 months to as long
as 60 months, depending on the economic
life of the asset and the client’s
circumstances. |
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| Other
Financial Services |
While the above may
be considered as its lead products,
J-PNB Leasing can provide other financial
services as a company operating under
the Finance Company Law.
Philippine companies regularly selling
to the same customers will find J-PNB
Leasing’s receivable financing
most ideal.
Different financing problems and differing
conditions require special solutions.
Expect J-PNB Leasing to have the right
answer. |
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| Vendor
Financing Program |
Dealers in various
machine and equipment get big boost
in sales when they offer their products
for lease or installment. Usually, however,
an equipment dealer is neither organized
nor capitalized to handle sales financing.
That’s where J-PNB Leasing comes
in.
J-PNB Leasing can work out with the
dealer the desired leasing or financing
schemes for that market, conduct orientation
seminars for the dealer’s sales
force, or even help the dealer prepare
brochures/selling kits. With the dealer
sharing in some of the credit risk the
joint undertaking by the dealer and
Japan-PNB Leasing becomes a very potent
and effective Vendor Financing Program.
J-PNB Leasing does all the credit valuation,
execution of the financing, and collection
of the account. The dealer does what
he does best – selling.
The intrinsic strength of the JPNB organization
gets an external boost from its shareholders
– established institutions on
their own right. |
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