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Buy or Lease?

3 big reasons why you should lease:

1. Acquire capital assets without paying for their full cost upfront.
You don’t have to take out a loan or wait until you’ve saved enough to acquire a capital asset you urgently need for your business.

With a straight lease, you can immediately acquire the asset, deploy it in your business and pay only monthly lease rentals instead of the full cost.

2. Speed up your turnover and boost your sales volume.
Through a vendor lease, you can offer a lease facility to your customers, making it easier for them to acquire your merchandise.

3. Conserve your working capital for other business opportunities.
By leasing, you don’t tie up your cash, which means you can invest the money in other equally important areas of your business, or use it to quickly seize new profit opportunities as they arise.

The UCPB Leasing and Finance Corporation (ULFC) provides a variety of financing services to help you in your business. Find the ULFC offering that’s right for you:

Financial Lease
Let ULFC purchase your motor vehicles, machinery, equipment, office machines or other assets.

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Types of lease available:
Direct Lease – We will purchase your equipment or asset and lease it to you.
Lease Packaging – We will gather a number of leasing companies to fund your large capital equipment requirement Vendor Lease – Sell your goods thru leasing payment options using ULFC’s merchandising program.

Interested? Please call Ms. Mica Sison at (632) 811-9618 or email her at mcsison@ucpb.com.

Receivables Discounting
use post-dated checks issued to you or sales invoices you issued to your customers as (basis) for your loanable amount.

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Loan proceeds shall be net of discount and other charges.

Interested? Please call Mr. Maximo Abing at (632) 811-9617 or email him at mlabing@ucpb.com.

Amortized Commercial Loan
finance your short or long-term fund requirements by mortgaging your real or personal property.

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Payment is computed by amortizing the principal amount (proceeds) over a specified period at a given effective rate.

Interested? Please call Mr. Mike Mendoza at (632) 811-9612 or email him at mlmendoza@ucpb.com.

Documentary Requirements:

Accomplished application form

Certificate of Business Registration from the DTI or the SEC with By-Laws and Articles of Incorporation

Audited financial statements for the last three years

In-house financial statements for the last three years

Bank statements for the last three years

List of customers and suppliers

Company profile

Pay for your ULFC (bills?) online thru UCBP’s internet banking facility, CM.Biz! Click here to learn more.