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U.S. COMMERCE EQUIPMENT FINANCE LLC

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CLEAN BALANCE SHEET (SP4)

An operating lease is not considered a long-term debt or liability, it does not appear as debt on financial statements, thus making a company more attractive to traditional lenders. In some industries having a clean balance sheet can be one of the major factors of being successful. For instance having a clean balance sheet will give you a higher bond rating. Having a higher bond rating will allow you to get better jobs. Having better jobs will increase your profit, so you can see the direct benefits of utilizing the lease in this case. In most cases the most important items on financial statements are growing revenues, profitability, and a reasonable leverage position. Most lenders or lessors that are lending/ leasing want to know if the business is growing, and how reasonably you have been when you borrow money.