Real Stories
How we helped them get their truck
Chief Riggins needed a truck but did not have money until next year's budget. The prices were increasing and he felt he was falling farther behind each year... read more
He explained his situation to ENVIZION FINANCIAL who offered their exclusive DelayedPay Option. By delaying the first payment until the next budget year, Chief Riggins was able to order the truck he needed now, at today's lower price, and was able to start his payments during his next budget year when he had the funds available.
"I really felt I had no options until I spoke with the fire financial experts at ENVIZION FINANCIAL. They made the impossible possible."
Chief James was buying one truck but really needed two new trucks... read more
His service area was growing rapidly but the new housing boom would not provide any revenue for two or three years. He just thought he would cross his fingers and hope to get by until he called ENVIZION FINANCIAL.
Our fire finance experts have seen this situation frequently. We helped Chief James show his Board that it saved money by buying two trucks right now instead of buying one now, one later. Also, we offered a unique repayment plan where the payments were lower while the new housing was being built and then increased when the new revenues were received.
"I was amazed that ENVIZION had a solution for my problem. Not only that, they had done this several times and had a plan that exactly fit my situation. My local bank just stared at me when I explained our dilemma. ENVIZION's knowledge was essential to having our full fleet."
Chief Allen was confused by the prepayment discounts offered by the manufacturer. It seemed like he was saving money but he was not sure... read more
He was referred to ENVIZION FINANCIAL by a friend. We helped him calculate the "real" savings from the prepayment discount based on all his options. In this case, the prepayment discount did save money, although far less than what first appeared. Chief Allen decided that it was not worth the small savings to prepay the truck.
"I had no idea how to analyze something as financially complex as a prepayment discount. What seemed simple on the surface was rather complex. ENVIZION helped me analyze all the important factors and measure them so I was able to make the best decision for me."
Chief Dennison was in a bind. His County Administrator wanted him to create a multi-year truck replacement budget. He didn't know where to start... read more
He enlisted ENVIZION FINANCIAL to help with creating a 15 year Fleet Replacement Plan. We created a plan that included the future costs of the trucks he needed and showed the critical funding years where revenues would not meet the expenses. He was able to develop a multi-year plan to know how to fund the full replacement of their fleet.
"I was excited by the prospect of having a fully replaced modern fleet but was overwhelmed by the idea of creating a plan. ENVIZION asked such simple questions and then turned my answers into a full plan that I am able to use with my County. Their fire finance knowledge just made the difficult simple."
