TIME IS MONEY

By working with HVAC dealers across the U.S., FTL Finance has built a rapid response financing system customized to your needs:

• Quick approval - within 5 to 10 minutes!
• Lower rates ensure maximum savings
• Fixed interest rates - you will not pay more over time
• No hidden fees or other charges
• No pre-payment penalty or penalty for early payoff
• Interest may be tax deductible (contact your tax advisor)
• Same as Cash plans available - ask dealer for details

THE NUMBERS SPEAK FOR THEMSELVES

Credit Card Programs

Features       Amount $2,000 $2,000   APR 14.0% 19.5%   Monthly Payment $46.90 $40.00

Total Payments       Amount $2,814.00 $4,200.00

Interest Paid       First 12 Months $279.15 $412.40   Total $814.00 $2,200.00

Principal Reduction       First 12 Months $283.65 $98.50   After 5 Years $2,000.00 $752.53

Balance Outstanding       First 12 Months $1,716.35 $1,901.50   After 5 Years Zero! $1,247.47

			Credit Card Programs
	Competitive Rates Better rates enable purchasing of higher efficiency equipment		High Interest Rates
	Fixed Interest Rates		Rate increases on past due payments
	Simple paperwork		Cumbersome applications & multiple forms
	Commercial financing available		No commercial financing options