Lender Financing: It’s a Balancing Act

"Projections can be a key piece of information for a company to present to a lender," Quirk says. "The lender wants to know the economic benefits in making the loan and 
how it will be repaid."

Decline in Valuations

One of the most notable differences from the pre-recession to today's landscape is the decreasing equipment value, points out Thomas Davies, vice president of People's Capital in Bridgeport, CT. He notes that most finance companies are no longer doing eight-year terms without money down.