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Banking Equipment Financing (ATM/POS)

ATM’s (or automated teller machines) dispense cash to your customers, either through their bank or credit cards. They are a valuable convenience to offer, sometimes being the sole reason someone comes into your store. Atlas Financial knows ATMs are an integral part of any convenience store operation, and offers many options for financing ATM machines that will fit your needs. In fact, Atlas Financial has provided ATM machine financing since 1999. Through the years, we've helped many customers equip their stores, so we have the experience you need when it’s time to finance an ATM machine. Our simple application process, quick “within hours” approval time, and great rates let you get the ATM machine financing you need - fast. We finance POS systems, too!

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 Advantages of Financing

  • 100% Financing:  Financing business equipment often covers 100% of the equipment cost with room to bundle soft costs including training, software and installation.  100% financing conserves working capital.
  • Tax Savings:  Tax advantages often make financing less expensive than an outright purchase.
  • Cash Flow:  Customize a solution to fit your particular situation and pay for the equipment as you use it.
  • Use Inflation to Your Advantage:  If you pay cash for equipment, you pay with today’s dollars at today’s value. When financing, you pay with next year’s inflated dollars, and the next, and the next.
  • Preserve Bank Credit Lines:  Leasing doesn’t affect your bank borrowing limits. You still have 100% of your credit available.
  • Accounting Benefits:  Monthly payments may be deductible as operating expenses rather than accounting for the equipment as an asset.

Disadvantages of Cash

  • Diminished Reserves:  Cash payment has an immediate impact on cash flow by diminishing cash reserves.
  • Impact on Credit:   Depletion of liquid assets may affect your credit worthiness.
  • Impact of Soft Costs:  Paying cash for soft costs such as installation, delivery and maintenance erodes available cash.
  • Return on Time:  Cash should be used for income producing investments since you pay with today's dollars at today's value.
You select the equipment - we provide the financing. We offer sound guidance, flexible structuring and competitive financing.