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Equipment & Real Estate Financing Programs


Making a major purchase, such as a police car, or even a new City Hall? Don’t waste your time tackling all of the paperwork, paying excessive legal fees or paying unnecessarily high interest rates. Since 1990, GMA has assisted Georgia cities with major equipment and real estate purchases. We’ve secured nearly $2 billion in financing for cities, amounting to over 5,600 individual deals.

Don’t recreate the wheel. Finance with GMA. Our two programs handle both short-term equipment purchases and long-term real estate purchases.

Direct Lease Financing Program (for short-term equipment purchases)

Police cars. Fire trucks. Computer systems. Sewer jet systems. 911 communication systems. Public works equipment. Common yet expensive purchases that your city may need to make at any time. When you make these purchases, you want to make sure you’re getting the best deal while securing the lowest possible interest on your payments.

  • Low-interest installment leases to help you purchase essential equipment.
  • Flexible payment terms (ranging from 2 to 10 years).
  • You own your equipment at the end of the term.
No up-front fees. No required down payments. No prepayment penalties.

Am I Eligible?
We consider all leases on a case-by-case basis.

If you decide to participate in the Direct Lease program, you will adopt a Master Lease (one-time) and submit your two most recent financial audits (or Comprehensive Annual Financial Reports) to us for a credit review.

When you adopt the Master Lease, certain City officers are then authorized to execute supplemental leases for essential equipment—making future purchases much easier.

Bricks and Mortar Financing Program (for long-term real estate purchases)

For major real estate projects such as a new city hall, police station, or fire station, give us a call. We provide long-term financing for mission-critical government real estate projects by providing you standard documentation and leveraging our economies of scale to keep your financing costs as low as possible.

Even if you’re just thinking about building a new facility, contact us. Because of special legal requirements, contacting us early in the process allows you to obtain a better understanding of your legal and financial financing requirements along with saving you from making costly mistakes that will hurt you down the road.

Benefits to our program include:
  • Flexible financing terms, ranging from 5 to 30 years.
  • Facilitating the funding SPLOST-approved projects.
  • Compliance with Section 36-60-13 of the Official Code of Georgia Annotated.
No up-front fees. No required down payments. No prepayment penalties.

Am I Eligible?
We consider all leases on a case-by-case basis.

If you’re interested in either the Direct Lease Program or the Bricks & Mortar Program, call us today. For both programs, you can reach out to Philip Potter at (678) 686-6274. You may also call toll-free in Georgia at (888) 488-4462.

Bricks + Mortar

Acworth Hinesville
Arcade Holly Springs
Atlanta Jeffersonville
Austell Johns Creek
Baldwin Jonesboro
Ball Ground Lilburn
Bloomingdale Loganville
Braselton Lumpkin County Board of Education
Bremen Macon-Bibb County
Brunswick Madison
Calhoun Monroe
Camilla Monticello
Canton Moultrie
Cartersville Norcross
Centerville Oxford
Chamblee Peachtree City
Chatsworth Peachtree Corners
Conyers Pine Lake
Covington Pooler
Dawsonville Pulaski
Decatur Richmond Hill
DeKalb County Board of Health Rincon
Dekalb County School Board Riverdale
Douglasville Roswell
Dunwoody Screven
East Point Senoia
Elberton Snellville
Ellijay Social Circle
Eton St. Marys
Fayetteville Stone Mountain
Fitzgerald Sylvester
Garden City Toccoa
Gray Trenton
Griffin Union City
Hapeville Villa Rica
Harlem Washington
Hartwell Winder
Hawkinsville Woodstock
Helen Wrightsville

Direct Lease

Acworth Lilburn
Adairsville Lincolnton
Adel Lithonia
Alpharetta Loganville
Americus Lumpkin
Aragon Lyons
Arcade Macon-Bibb County
Arlington Madison
Ashburn Manchester
Atlanta Marshallville
Auburn McDonough
Austell Meigs
Avondale Estates Metter
Bainbridge Midway
Ball Ground Milan
Barnesville Milledgeville
Barwick Millen
Blackshear Milton
Blakely Mitchell
Bloomingdale Monroe
Blythe Montezuma
Boston Monticello
Bowdon Morrow
Bremen Morven
Brookhaven Moultrie
Brunswick Mount Vernon
Butler Mountain Park
Byron Nahunta
Cairo Nashville
Camilla Nelson
Cartersville Norman Park
Cave Spring Oak Park
Cedartown Oakwood
Centerville Ochlocknee
Chamblee Ocilla
Chatsworth Oglethorpe
Chattahoochee Hills Oxford
Chickamauga Palmetto
Clarkesville Pavo
Clayton Pearson
Cochran Pelham
College Park Pembroke
Collins Perry
Colquitt Pooler
Commerce Port Wentworth
Conyers Porterdale
Cordele Poulan
Cornelia Powder Springs
Covington Reidsville
Crawford Remerton
Cusseta-Chattahoochee County Reynolds
Dahlonega Richmond Hill
Dawson Rincon
Decatur Riverdale
Donalsonville Rochelle
Doraville Rockmart
Douglas Rocky Ford
Douglasville Rome
Dublin Rossville
Dublin School District Roswell
Dudley Royston
Dunwoody Sale City
Eastman Sandersville
Echols County School System Senoia
Elberton Sky Valley
Enigma Smyrna
Euharlee Snellville
Fairburn Social Circle
Fayetteville Soperton
Fitzgerald Sparks
Flovilla Sparta
Flowery Branch Springfield
Folkston St. Marys
Forest Park Statesboro
Forsyth Statham
Fort Valley Stone Mountain
Gainesville Suwanee
Garden City Swainsboro
Glennville Sylvania
Gray Sylvester
Greenville Talbotton
Griffin Tallapoosa
Guyton Thomson
Hagan Thunderbolt
Hahira Tifton
Hapeville Trenton
Harlem Twin City
Hartwell Tybee Island
Hawkinsville Union City
Hazlehurst Union Point
Helen Varnell
Hinesville Vienna
Hogansville Walthourville
Holly Springs Warner Robins
Ivey Washington
Jackson Watkinsville
Jasper Waycross
Jefferson Waynesboro
Jonesboro West Point
Kennesaw Whigham
Kingsland Willacoochee
Kingston Winder
LaFayette Woodbine
LaGrange Woodstock
Lakeland Wrens
Lavonia Wrightsville
Lenox Zebulon

Lease Pool 1998

Albany Floyd County
Americus Forsyth County
Athens-Clarke County Gainesville
Atlanta LaGrange
Augusta Macon-Bibb County
Bartow County Riverdale
Bibb County Rockdale County
Brunswick Rome
Carrollton Savannah-Chatham County Board of Public Education
Cartersville Smyrna
Conyers Spalding County
Decatur Statesboro
Dougherty County Thomasville
Fayette County Tifton
Fitzgerald Toccoa


Download the Direct Lease Program Worksheet (PDF)

Equipment & Real Estate Financing Program Overview 
Learn how GMA's Equipment and Real Estate Financing Program can help with your city's municipal financing needs.

Direct Lease Types and Leasing Periods 
Since 1990, GMA has initiated over 1500 leases for approximately $130 million. 

Brick & Mortar Applicable Projects and Limitations/Special Requirements 
Listing of applicable projects and limitations for GMA's brick and mortar financing program.

GMA’s Bricks and Mortar Financing Program Makes Purchase of Loganville City Hall Easy 
June 19, 2017
When a building previously used as an elementary school went up for sale, the city of Loganville saw an opportunity. As the city’s population rapidly grew over the last few years, its current city hall was struggling to keep pace. To move quickly, the city needed expertise about financing and its application to local governments. City officials called GMA, and the financing was handled through GMA’s Bricks and Mortar Financing Program.

CONTACT US ABOUT THE Equipment & Real Estate Financing Programs
  • We competitively represent all Georgia cities in the marketplace, so our interest rates are usually lower than most other loan sources.
  • We are already set up as a lessor, and we handle all of your legal work. You don’t pay expensive legal fees associated with your purchase.
  • We have standard documents already prepared and ready to go. Don’t try to build your own documents from scratch.