• Our Financial Strength
Baytree Leasing is a wholly owned subsidiary of Baytree National Bank and Trust NA. We are one of the few Nationally Chartered Banks in the United States. We are AAA Rated by Moody’s and possess the financial strength and resources to accommodate all of your technology and equipment financing needs.

• Convenience/Speed/Flexibility
Baytree Healthcare Finance Group has some of the fastest credit turnaround times in the industry. We will personally take your information over the phone and render a credit decision within minutes. You can also use our on-line application as well. Once approved we immediately e-mail you our one page lease agreement: You sign and simply fax back to our attention. We then issue Holt Systems a purchase order. We do not need original lease documents and we usually also pre-approve your organization for additional credit under our Infinion Credit Line Program. Once you are set up under Infinion you simply give us a call with any new equipment acquisitions and documents will be emailed to you the same day.

• No Commitment or Application Fees
Many leasing companies and banks charge outrageous commitment and/or application fees. Sometimes those fees are non refundable. We have no such fees.

• No Blanket Liens on your Assets
It is essential that you check lease or finance documents for this particular clause. This may conflict with banking covenants/arrangements in place with your primary bank. It may leave your Healthcare Organization vulnerable at the very least. There isn’t any blanket lien clause in the Baytree document.

• No Security Deposits
Security deposits are a common way for a finance source to sell what is perceived to be lower rates. They may take 2 payments as a security deposit then bill for payments on the lease or loan. You may end up paying 38 months on a 36 month contract, 50 months on a 48 month contract or 62 months on a 60 month contract. We do not couch rates that are too-good-to-be-true behind added security deposits .

• No Quarterly Rent Charges
Quarterly Rent is another way finance sources sell rates that are too-good-to-be-true. By collecting quarterly payments the finance source adds greatly to their profitability. Healthcare Organizations may miss this since the transaction is billed to their accounting departments. We do not charge quarterly rent unless requested by our Clients.

• No Interim Rent Charges
Interim Rent is basically additional full or partial monthly lease payments charged by financing sources—either linked to Vendor pre-funding or tied to the installation time period. It is another revenue producing device that financing sources use to generate the revenue shortfall created by offering Clients artificially low rates. Baytree DOES NOT CHARGE INTERIM RENT.

• No End of Lease Re-Stocking Charges
This requirement is usually imbedded in lease and finance agreements. The percentage charged varies but can range from 10% or original equipment cost all the way up to replacement value of the technology you have leased or financed. It is prevalent on Fair Market Value and 10% Purchase Option lease structures. It is a way for finance sources to minimize their residual risk at lease end. Look for lease or finance agreements that do not have re-stocking charges. It limits the “return-ability” of the equipment. It can definitely force a Healthcare Provider to purchase equipment that is in fact obsolete. Baytree does not have re-stocking charges in any of its documentation.

• Fixed Rates for the Lease or Finance Term
Unlike many finance sources Baytree fixes your rates for the entire lease term. We do not have rate adjustment clauses or other onerous clauses that may cause your rate to increase.

• 100% Financing of entire eMedRec Software and Implementation Costs
At Baytree we have no restrictions on the financing of software and services. We do not have any pre-set ratios. We can finance the entire eMedRec solution along with any ancillary software, hardware and other equipment you may be acquiring.

• Vendor Pre-Funding
We can pre-fund Holt Systems up to 100% of equipment cost under our leasing or financing arrangements. We can also provide progress payments during any specified installation period.

• Flexible Leasing and Financing Programs
We provide all types of lease and finance structures to our end user Healthcare Clients. We structure Operating Leases, Capital Leases, and Loans. We offer Deferred, Skip, and Graduated Payment Programs along with sale leaseback arrangements.

• Simple Documentation
Our Single Page Master Lease and Finance Agreements are simple and written in plain English.

• Generation of Cash from Equipment Use—Conservation of Working Capital
Generate the many benefits associated with your implementation of eMedRec without up-front cash outlay. With our lease or finance agreement you can generate immediate positive cash flow while conserving working capital and preserving existing lines of credit. This gives you maximum liquidity which allows you to use your cash for other useful purposes such as investment opportunities or expansion of the business.

• Simplification of Accounting Procedures
Our 1 Page Master Lease allows for an unlimited amount of lease schedules to be added. We consolidate all schedules into one convenient monthly payment, but also breakout each schedule on your monthly invoice. This enables our Clients to cut one monthly check but also keep track of what schedules are being paid.

• Tax Advantages
Depending upon what type of lease or finance agreement you decide upon there are multiple tax advantages that are applicable. With Capital Leases you can typically deduct the lease/finance charges from your taxes and also gain accelerated depreciation (IRS Tax code Section 179). Operating Leases are typically treated as off balance sheet financing with monthly payments being fully expensed. We recommend you check with your CPA regarding tax treatment of any lease or finance agreement.

• Additional Credit Source
We can supplement your existing Bank relationship by providing extremely competitive and simple lease financing arrangement. We do not file blanket liens like most Banks and have no restrictive lease or loan covenants. Further, you will find that many our lease structures provide lower rates than most loans. Ask about our additional banking services…..