•  $20.00 Security Deposit - This program is ideal for those customers who require minimal up-front costs. With this program, the customer simply pays the $20.00 as a Security Deposit and payments are calculated using the determined factor.

•  7 x $100 - With this program, the customer pays a $100.00 security deposit and has their first seven monthly payments at $100.00 each. The remaining 29, 41, or 53 payments are at the determined rate factor.

•  6 x $99 - With this program, the customer makes two payments as a security deposit totaling $198.00. The first six monthly payments are fixed at $99.00 each followed by 30, 42, or 54 payments at the determined rate factor.

•  60 Day Deferred - The customer pays the standard security deposit (First two payments) with documentation and then is not invoiced until 60 days after funding. Since First Star Capital bills in arrears, this is actually a 90 day deferred payment plan.

•  90 Day Deferred - The 90 day deferral plan is extremely helpful for those customers acquiring equipment that does not generate income during the first 90 days of implementation. With this program, First Star Capital has minimal contact payments of $25.00 for each of the first three months followed by the normal term at the determined rate factor. Since First Star Capital bills in arrears, this is actually a 120 day deferred payment plan. 

•  $1.00 Purchase Option - This option is essentially a finance agreement, similar to a bank loan. This allows the customer to own clear title to the equipment at the end of the lease term for $1.00 (or $101.00, depending upon state laws). This lease may qualify for depreciation benefits.

•  10% Purchase Option - 10% Purchase Option leases are used when a lessee is looking for a lower monthly payment, but wants to know what the actual purchase price will be at the end of the lease term. In all cases, the purchase price is 10% of the original equipment invoice. The lessee also has the option to return the equipment without further obligation.

•  Fair Market Value (FMV) - This structure is typically considered an operating lease by the IRS. Each monthly lease rental is treated as a "line item deduction" for tax purposes. At the end of the lease term the customer can return the equipment, continue the lease or purchase the equipment outright for the fair market value.

•  Seasonal payments - This plan is especially beneficial for those customers who experience fluctuating time periods of higher and lower revenue production on an annual basis. To utilize this plan, the customer designates which 3 consecutive months they require off. The remaining 9 payments during each year will be calculated based upon the appropriate rate factor.

•  Step down payments - Step down leases begin with higher monthly lease rentals and then decline over the course of the term. This structure is beneficial for equipment that is subject to rapid depreciation or technological obsolescence. This also allows the lessee to accelerate their write off's for tax purposes.

•  Step up payments - Step up leases begin with lower monthly lease rentals that increase or "step up" over the lease term. The steps may be created at any point during the term but are most commonly done semi-annually or annually. This structure is beneficial for equipment that takes time to reach its full production capacity.

•  Annual / semi-annual / quarterly - For those customers that request annual, semi-annual or quarterly payments, First Star Capital can accommodate those needs. These structures are beneficial for easy cost forecasting and managing expenditures.