Four in the 4th


Strategies for Fiscal Fortitude

In an uncertain financial climate, it is more important than ever to work smarter — not harder. Finish the year strong with the right financial strategy and set the foundation for growth in 2017. First American can help you guard against rate hikes, preserve cash, secure financing for future projects, and protect your cash position. Here are four strategies to increase your organization's fiscal fortitude: 

Guard Against Rate Hikes now since, with the impending Fed rate increase, your cost of funds will never be lower than it is today. Rate fluctuations increase financing costs and drastically affect your organization's budget.

First American can help establish certainty in an uncertain financial climate with low, fixed-rate financing. Stabilize your monthly cash outflow with a predictable rate and monthly payment.
*Based on data from Each shaded circle indicates the value (rounded to the nearest 1/8 percentage point) of an individual FOMC participant's judgement of the midpoint of the appropriate target range for the federal funds rate or the appropriate target level for the federal funds rate at the end of the specified calendar year or over the longer run.

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Preserve Cash Now by deferring your lease payments for 90 days. A strong year-end cash position is a crucial financial measurement impacting debt ratings, bank covenant violations, and liquidity ratios — and positioning your company for long-term growth and success may mean pursuing strategic initiatives now.

Let us help you prepare for 2017. With First American's deferred payment option, you have the opportunity to acquire the equipment you need today, while solidifying your organization's year-end financial position.

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Secure Financing Now for projects in the 4th quarter or beyond by setting up a lease line of credit. As a growing company, you need to be ready to act quickly when needs arise. You can use as much or as little as you need — your lease line will be there to cover any equipment, software, service, or build-out needs. And unlike a traditional bank credit line, you will never pay any under or non-utilization fees.  

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Protect Your Position with a cash reimbursement. Safeguard your organization from the unknown and put cash back on your books. By demonstrating a strong cash position, you can maintain debt ratings, avoid bank covenant violations, and improve liquidity ratios.

First American will reimburse you 100% for capital purchases made throughout the past 6-18 months including technology, software, production equipment, FF&E, services and more. Instead of a large cash outlay, pay a low, fixed payment over time.

Case Study: Agriculture Supplier Uses Cash Reimbursement to Make SAP Project Costs More Palatable

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