Auto Leasing

Is leasing right for you? The BCMS Automobile Program is designed to help you eliminate confusion, avoid working with a middleman, and determine which lease makes the most sense for you.

How does it work? Transportation companies have been using TRAC leases for years because  they offer significant advantages:A TRAC lease can build equity in the vehicle over time while having the monthly payments, or rentals, deductible as a business expense (rather than depreciate the asset). At the end of the term, the entity leasing the vehicle will either purchase the vehicle at the pre-agreed residual price or return the vehicle and share in the residual upside, if any As a commercial vehicle, property tax will be due annually. In the event the residual is set too high or the vehicle is in poorer condition than expected, the value of the vehicle could possibly be less than the residual, resulting in an additional expense.

What are the advantages of a Frost Commercial TRAC Lease? The Frost Commercial TRAC Lease can benefit the lessee in five ways: They allow the lessee to share in the residual sales value. The residuals on the BCMS/Frost leases are set conservatively, creating potential upside for the practice. Because the lessee guarantees the vehicle’s residual value, the rentals paid may be lower than otherwise available. Because the lessee guarantees the residual there are no mileage limitations or “adders” at the end of term The monthly payments, or a portion thereof, may be tax deductible.

Getting started If you can qualify your car, truck or SUV as a commercial vehicle, you now have another financing option available.
Call your CPA or tax advisor with questions and then call Phil Hornbeak, BCMS, at 301-4367 
Equipment leasing is also available to BCMS members.


Frost Leasing
**member FDIC


Commercial Lease

    A significant number of physicians in Bexar County prefer a commercial lease, mostly because it convenient and, for many physicians, there are tax advantages. Learn More


Equipment Lease

    Lease or finance any type of equipment - from $5000 to Multi Millions- for your practice, with 100% funding available and no extra fees. Operating Leases are geared toward flexibility and Capital Leases are geared toward ownership. Call 210-301-4367 for details or print request here.