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The Importance of Having a Good Credit Margin
You know the importance
to carry out your payments regularly and on time. However, you
must be aware of the fact that if your bank bounces a cheque due
to non sufficient funds or that if a credit card account
remains unpaid, your bank automatically keeps record of it. For
this reason, it is important to make your payments on time, this
is the best way to protect yourself and keep a good payment record.
In order to grant a loan, we will take into account the whole
financial situation of your enterprise and we will consider various
points such as the sales profit of your company as well as their
shareholders, the capacity to carry out financial payments (taking
into account all the information about the enterprise), the enterprise
past history and an analysis of a future financial forecast. For
this purpose, it will be necessary to consider such commitments
as the company contracts with their clients, their experience
and their economical conditions.
In short, the four main financial conditions are the company's
profile, capacity, conditions and a capital evaluation of the
product they sell and its sale value since, it is the credit establishment
that becomes the owner and assumes all risks involved.
Available Financing Options
The two most popular
financing options for trucks are lease and conditional sale contract.
Leasing is a mid-term contractual credit procedure, by which a
leasing company honours the request of a client, which is, lease
a specific equipment for a certain period of time, in exchange
of monthly instalments. At the lease contract expiry date, the
client has the option to buy the equipment that is being leased
for a price and duration that have been specified on the lease
contract.
The conditional sales contract is a sale in which the property
transfer of the equipment being sold takes place immediately in
exchange of a further commitment.
Diversity to Increase
your Purchasing Power
We have a wide variety
of new financing sources for you!
We all know that, nowadays, it is wiser to make our financing
options more diverse and not depend only from one single loan
provider.
You can benefit from the services offered by your bank, in order
to increase your personal credit line, commercial loan, mortgage
loan, etc., but let us offer you our financing services to obtain
a truck, machinery or trailer.
Take Advantage of
Our 25 Years Old Experience in Financing. Feel at Ease and we
will do the rest for you! We Offer:
- Competitive rates
- Affordable Monthly Instalments
- Flexibility
You Know What You Want
We Have What You Need
To all our customers
If you are looking
for financing to purchase a truck, machinery or a trailer...
Do not look any further
The Lussier Group has
developed a program in which a professional and expert team will
be pleased to prepare a financing program according to your needs
and free of charge.
Our goal is very simple, we would like you to carry out your projects
by offering you a highly professional quality service. Discretion
is also guaranteed.
At Lussier, you will find:
Accebility:
During your first consultation
with our experts, we will fill out in the necessary documents
to open a personal file.
Your financial request is done once you choose your equipment
and then you will be requested to sign a contract when the unit
is delivered to you.
You do not have to make any inquiry at your bank or caisse populaire,
everything is done at our premises for you!
Efficiency
When you become a client
of the Lussier Group,
whether you purchase at Camions
Lussicam Trans-Canada Inc.,
Lussier Centre du
Camion Ltée.
or Camions Excellence
Peterbilt Inc.,
you will receive a very interesting financing proposal, and much
faster than elsewhere.
Our always growing number of customers allow us to negotiate specific
requests according to your needs, and this is what makes us different
from the competition.
Understanding
The financial institutions
with whom we have negotiated the most competitive financial terms
for you know their business. They know that the traveler, the
driver, the heavy equipment operator or any other kind of worker
has specific and different needs. They will do their best in answering
your particular needs.
If you are looking for
financing for:
- Purchase of a new or used
truck
- Purchase of a new or used
trailer
- Purchase of heavy machinery
- Equipment repair
- Equipment refinancing
- Accommodation sale
This is how we can help
you:
- Conditional sale
- Lease
- Credit line for equipment
acquisition
- Regular or seasonal payment
instalments
- Fixed or variable loan
rates
- Life and disability insurance
- And more...
Contact for financing:
Sylvie Lemire
F & I
Courriel: slemire@lussicam.com
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