Rioux Farm Equipment

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Kubota Financing
    Since 1982 Kubota customers have been offered a wide range of financing alternatives through Kubota Credit Corporation U.S.A.(KCC). Competitive interest rates, equity financing, flexible down payments, monthly and seasonal payment terms and property damage insurance are available
through KCC. Kubota dealers can tailor a variety of finance and lease programs to meet the specific requirements of their customers.
    Your Partner for Success. The key to your success is managing your cash resources in today's competitive market. To help you, Kubota Credit Corporation U.S.A.(KCC) provides fast, efficient and convenient payment alternatives vital to your cash flow needs when purchasing Kubota equipment.
     Kubota Credit Corporation U.S.A. can offer personal counseling, excellent service and a competitive advantage through: Attractive interest rates, Simplified payment programs, Fast credit approval, Knowledgeable specialists.
    Easy Payment Plans. Kubota Credit Corporation U.S.A. offers a mixture of standard, short and long term plans so you can choose from 1 to 60 months to pay. A wide variety of repayment plans are available to meet your equipment financing needs and business cash flow. Let our finance specialists help you design the plan that gives you the flexibility you need.
    Low A.P.R. Rates. Kubota Credit Corporation has consistently provided the lowest interest rates to customers. We work hard to keep our overhead low and you benefit from the savings in the form of low finance rates. This results in lower payments for you. As a result, Kubota customers often find they are able to afford more Kubota equipment.
    Fast Credit Approval. Because we are the lending source, we're able to expedite handling your application. After receiving you completed credit information, we can immediately respond. We know time is money and we make every effort to streamline the process. No hassles. No delays.
    Down Payment Options. Based on your individual needs, you can choose from a variety of down payment options including equity financing, trade-in, cash or a combination of the options.
Equity financing allows you the option to use the equity value of your Kubota-owned machines as part or all of the down payment.

Agricredit Financing
Money Management That Won't Keep You Grounded.
Agricredit Acceptance Company Services provide you with both ownership and non-ownership financing options. Agricredit Acceptance Company has over 45 years experience in meeting the financial needs of equipment purchasers. Agricredit can provide your business with an added source of credit, leaving your other credit lines open for operating capital. Our financing options include a complete range of plans tailored to fit your short and long term equipment financing needs.
We are committed to growth in the agricultural, industrial, and forestry industries and since this is our only business, we continue to provide our services to you even when the market is not attractive to other lenders.

Installment Purchase
When Ownership is Your Most Profitable Option. Purchasing equipment through the installment plan has been the traditional method of acquiring machinery. An installment purchase agreement includes a down payment (cash or trade-in), followed by periodic payments until the balance, including cost of money, is paid in full.

Down Payment
In many instances, your trade-in equipment will more than cover the down payment
requirement.
Flexible Payment Schedules
Installment purchase offers a wide variety of payment schedules. For example, they may
be arranged annually, semiannually, quarterly or monthly. Skip payments may be set up on
monthly programs to match periods of irregular income.
Insurance
All risk property damage insurance is available with many of our financing options.
Qualified customers may also be eligible for "credit life" coverage, as well as accident and
health coverage.

Equity Purchase

A Down Payment Alternative
If you are faced with the need for additional equipment and prefer not to make a cash down payment ... or trade-in presently owned machines ... you have an alternative. It's called equity financing.
Down Payment
Equity financing allows you to make all or part of the down payment by pledging machines you already own. Mortgaged equipment with adequate equity can also be used as security ... the debt being paid off by Agricredit Acceptance Company and the machine carried as security on your new purchase.
No Cash or Trade-in Required
This allows you to add to your equipment fleet without losing the use of existing machines or current working capital. It's like trading in your equipment and keeping it too.
Advantages:
Three down-payment options cash/trade/equity.
Flexible repayment terms.
Low cost-of-money.
Equipment earns payments.
Improved use of cash.
Ownership tax advantages.
Insurance coverage.
Security limited to equipment you purchase

Lease

Long Term Use Without Ownership
A lease is much like a rental in that you have full use of the equipment without ownership. The primary difference is the period of use ... a rental serves short term needs and a lease long term.
Lease Period
The duration of a lease varies from two to six years, depending on your needs ... i.e., time required, replacement cycle, equipment costs, and investment goals.
Advance Payment
While an advance lease payment is always required, it is usually less than what is required for an installment purchase.
Lease Payments
Lease payments are arranged to fit cash flow ... with annual, semiannual, quarterly, monthly, or monthly with skips available. Payments will vary in size, depending on the length of the lease and whether it is "full payout or residual".
Full Payout Lease
Payments on a full payout lease cover the entire value of the equipment plus cost-of-money. This option is more often used in construction applications.
Residual Lease
Payments on a residual lease cover only a portion of the equipment value plus cost-of-money. It is the option more often used to acquire use of agricultural equipment. A residual lease has the effect of lower payments and a higher purchase option.
Purchase Option
Lease participants can exercise a purchase option at any time during or at the end of the lease. Tax benefits will, of course, change ... and will depend on the particular type of lease you choose. You should consult your tax advisor for the best option.
Return Option
OR ... you may return the equipment. In this case, ownership does not transfer, leaving you with the ability of expending lease payments.
Extension Option
OR ... you may extend the lease term.
Trade-in
The lease option also provides a method to get cash for your trade-in. This feature allows you to convert equity into advance lease payments ... or into cash for use in other areas of your business.
Cash Utilization
Just as renting land conserves valuable capital, so does leasing equipment. Up front cash requirements are modest and lease payments are small.

El Campo,Tx 979-543-6901 mauch@riouxinc.com