ANTARES LEASING CORPORATION

CAPITAL LEASE

* You keep the depreciation
* On Balance Sheet financing
* Nominal Purchase Options (1-3%/$1.00 Buy-Outs)
* Fixed Financing
* Customers intent is to keep the equipment.

OPERATING LEASE (True Lease, Tax Lease, First Amendment Lease)

* Lower Payments
* Fixed Financing
* Can accomidate for FASB-13 requirements
* Off Balance Sheet (Recorded as an expense)
* Able to avoid covenants issues
* Intent is to keep or return equipment
* Higher residuals give the lower payment.
* The lease expenses are treated as operating expense.

EQUIPMENT FINANCING AGREEMENTS

* An equipment loan.
* Not a lease.
* On balance sheet.
* Pricing, not as agressive as a lease.

VENTURE CAPITAL

Please ask about out great ways to expand your business with additional sources of money!