Because medical equipment and technology is constantly improving, leasing has become the preferred alternative to other forms of financing.  When you lease with Cornerstone the benefits to your business and to the doctor personally become evident as follows:

• Frees up capital for other purposes.
• Flexibility.  Multiple options for end-of-term including upgrade, renewal, purchase or return.
• Tax advantages. Leased equipment is not a taxable asset and your lease payment is not booked as a liability.
• Does not affect personal credit score. The lease is guaranteed through your business.  The practice is the “borrower”.
• No large capital commitment for a down payment.
• Fixed rates for the life of the lease
• Offers accessibility to the latest medical equipment and technology.  
• Quick turn-around. No in-depth analysis of your business plan, market potential, etc. as often required for bank loans.
• No compensating balances required or depository accounts.
• Preserves doctor’s personal credit availability.
• No lien on business assets in case of default.  The leased equipment is your collateral. 

Cornerstone offers several types of leases and leasing options. Equipment leases can be written for a variety of terms but typically range from 12 to 72 months. The most popular term for most offices with larger transactions is 60 months.  All leases are designed with monthly payments with variants such as step leases, master leases, etc.

Our products include:

• Finance Agreements – typically this type of financing is considered a loan with doctor having the full opportunity to utilize their 179b write-offs and depreciation.
• $1 – Buy Out lease.  This type is basically a sales finance agreement with ownership transferring at the end of the lease. 
• Operating Lease – this is a true lease and is sometimes called an “FMV” lease with typical exit of the lease being a 10% residual or higher.  Doctor enjoys full use of the equipment.
• Medical Vehicle Leasing – straight financing for vehicle including the equipment for your profession.
• TRAC Lease – we offer these with vehicles which essentially are a higher residual on the vehicle. 

For more information please call (816) 347-0460 or email us at This e-mail address is being protected from spam bots, you need JavaScript enabled to view it  

To see the full array of services offered by Cornerstone click here.