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Fecon

Finance

Keep your cash and working capital for everyday business needs. Your project can be 100% financed with Fecon.

Why Finance

Conserve
Your Cash

Hold on to your cash and working capital so that you can use it for everyday business needs such as payroll, inventory, or growth.

Get 100%
Financing

Your project can be 100% financed, including material cost, sales tax, freight, and installation.

Improve
Cash Flow

Financing results in a fixed monthly amount that protects you from inflation, allowing you to accurately forecast the cash requirements of your purchases.

Access Flexible
Payments and Terms

Our payment plans range from 24‐72 months. We also provide a deferred payment option that eases cash flow and meets your budgetary needs (subject to credit approval).

Upgrade
Your Purchase

Financing allows you to obtain ancillary products or options while adding little to your monthly payment.

Enjoy an Easy
Application Process

Amounts up to $250,000 only require a simple application which is typically approved within 4-6 hours.  Larger amounts might require some additional information on the business.

Contact:

Bret Anderson

Stearns Bank
BretA@stearnsbank.com
www.stearnsbank.com

FAQs and Solutions

Is there a minimum dollar amount that can be financed?

Yes, all transactions must be $10,000 or greater to qualify.

What amount can be financed with a simple application?
Amounts up to $150,000 . Transactions over $150,000 will require additional financials.
What if I have a poor credit history?
We can accommodate most levels of credit with tiered rates. Customers with excellent credit will be granted the best rates possible. Those with a lower credit score are a higher risk and fall into higher tiered rates.
What if my business is a startup?
Startups will be handled on a case-by-case basis. Connect with one of our experts today to get started! Additional financial information will be needed in order to determine credit worthiness.
Do you require a down payment?
We generally require two advance payments with the signed contract.
Is insurance a requirement on all transactions, and will it hold up my financing?
Insurance is required, but because we are self-insured, your asset is covered on Day 1 and will not delay the process.
Do you offer programs to defer or postpone monthly payments?
Yes, we offer several programs:

Quick Start Program: Your first six payments are deferred.

Seasonal Payments: You may choose to skip three consecutive months each year of the contract to accommodate your slow season.

Step up Payments: Payments start out low and increase quarterly though the first year to give you the opportunity to generate revenue prior to making full payments.

90/90 Program: Start gradually by putting $90 down and paying $90 per month for the first three months.

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