AMKO Lease Advantage

Tax-Exempt Lease
Financing for Public Entities

AMKO Capital connects municipalities with competitive bank financing — faster, simpler, and more transparent than traditional procurement.

Apply for Financing Lease Payment Calculator How It Works
Program at a Glance
Financing Available$50K – $5M+
Average Response Time7 Days
Qualification TypeBank & Nonbank Qualified
Eligible EntitiesCities, Counties & Districts
Application FeeNone
✓ No Application Fee
✓ Bank Qualified Tax-Exempt Financing
✓ Competitive Rate Bidding
✓ Response in 7 Days
✓ Cities, Counties & Special Districts
✓ Equipment, Technology & Infrastructure
The Process
From Application to Award in Four Steps
Our automated platform handles the heavy lifting — financial analysis, bank outreach, and rate comparison — so your entity gets the best available rate with minimal effort.
01
Municipality
Submit Your Application
Complete the online application with your entity's information and lease requirements. Attach three years of financial statements. No fees, no commitment.
02
AMKO Capital
Financial Analysis & Bank Outreach
Our platform analyzes your financial ratios and packages your opportunity for our network of qualified banks — all within minutes of your submission.
03
Banks
Banks Submit Competitive Rates
Participating banks review your financials and submit purchase rate offers through our secure portal. Rates are automatically ranked lowest to highest.
04
Municipality
Review Award & Accept
Once the response period closes, you receive the winning rate by email with a simple one-click Accept or Reject. AMKO Capital handles the rest.
What We Offer
Financing Solutions for Public Entities
From technology upgrades to infrastructure projects, AMKO Capital structures tax-exempt lease financing for a wide range of public entity needs.
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Technology Equipment
Computers, servers, network infrastructure, public safety technology, and software systems. Keep your entity current without large capital outlays.
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Public Safety Vehicles
Police, fire, and emergency response vehicles. Structured as tax-exempt leases to maximize your budget and preserve your capital reserves.
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Infrastructure & Equipment
Heavy equipment, facilities improvements, utility infrastructure, and public works projects. Flexible terms matched to asset life.
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Green Energy Projects
Solar installations, EV charging infrastructure, and energy efficiency upgrades. Combine tax-exempt financing with available grants and incentives.
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Communications Systems
Radio systems, dispatch technology, fiber infrastructure, and broadband projects for underserved communities and public facilities.
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Facilities & Renovations
Municipal building improvements, HVAC systems, accessibility upgrades, and facility expansions structured as lease-purchase agreements.
Estimate Your Payment
Lease Payment Calculator
Enter your financing details to estimate your annual lease payment and mill rate impact. No commitment, no email required to use this tool.

Lease Details

Provide a few details to see your estimated payment range. Final pricing is determined through competitive bank bidding.

Total dollar amount of the equipment or project. Typical range: $50,000 – $5,000,000.
Please enter an amount between $50,000 and $5,000,000
Typically matched to the expected useful life of the asset
Please select a lease term
Bank Qualified entities issue $10M or less in tax-exempt obligations annually. If unsure, leave as Bank Qualified — most cities, counties, and special districts qualify.
Your entity's net taxable value as used in mill levy calculations. We'll show estimated mill rate impact alongside your payment.
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Your Estimate
Enter your lease details on the left to see estimated annual payment, total interest, and mill rate impact.
Email Me This Estimate

We'll send a copy of your estimate to your inbox so you have it for your records. We may follow up to see if we can help with your financing.

Please enter a valid email address
Please enter your entity name
Get Started
Apply for the AMKO Lease Advantage
Complete the application below. Our team will analyze your financials and reach out to our bank network within one business day.
✓
No application fee. Submitting an application is completely free with no obligation to accept any offer.
✓
Competitive rate bidding. Multiple banks compete for your business — you always get the lowest available rate.
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7-day response window. Banks submit their rates within 7 days. You'll receive the winning offer by email.
✓
Bank qualified tax-exempt. Your financing is structured to qualify for the most favorable bank tax treatment.
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Simple one-click acceptance. Review your award and accept or decline with a single click — no paperwork until you're ready.
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Dedicated support. AMKO Capital guides you through every step from application to closing.
Ready to Get Started?

Apply in Under
Five Minutes

No fees. No commitment. Our secure online application connects your entity with our full bank network within one business day.

Secure  ·  Confidential  ·  No Obligation
7 Days
Average Response
$0
Application Fee
For Financial Institutions
Partner with AMKO Capital
Join our growing network of bank partners and gain access to a steady pipeline of pre-screened, bank qualified municipal lease opportunities.

Pre-Screened Opportunities

Every opportunity has been reviewed for financial strength. We provide three years of audited financials and key ratio analysis with every deal.

Structured Response Process

Submit your rate through our secure online portal. No phone calls, no back-and-forth. A clean, professional process that respects your team's time.

Bank Qualified Tax Treatment

All opportunities are structured as bank qualified tax-exempt obligations, maximizing the after-tax yield for your institution.

Competitive but Fair

Rates are submitted blind and ranked by our system. The lowest qualifying rate wins — straightforward and transparent for all participants.

Automated Notifications

Receive opportunity emails with full financial details the moment a qualifying deal enters our system. Never miss an opportunity that fits your portfolio.

Interested in Participating?

Contact AMKO Capital to discuss joining our bank partner network. We'll walk you through our process, deal flow, and documentation requirements.

Contact Us to Get Started
Common Questions
Frequently Asked Questions
What types of entities are eligible?
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Cities, counties, townships, school districts, special districts, and other governmental entities are eligible. The entity must be a tax-exempt governmental unit under IRC Section 103.
What is the minimum and maximum lease amount?
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We typically work with lease amounts from $50,000 to $5 million or more. Smaller amounts may be considered on a case-by-case basis depending on the entity's financial profile.
How long does the process take?
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From application submission to receiving a winning rate offer typically takes 7 to 10 business days. Once you accept, closing documentation is typically completed within 2 to 4 weeks.
What financial documents do I need?
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You will need three years of audited financial statements or annual financial reports. These are the primary documents banks use to evaluate your entity's creditworthiness.
Is there a cost to apply?
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No. There is no application fee and no cost to receive rate offers. AMKO Capital is compensated by the winning bank at closing, so the process is completely free to the municipality.
What is bank qualified status?
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Under IRC §265(b)(3), a governmental entity that reasonably expects to issue no more than $10,000,000 in tax-exempt obligations during the calendar year may designate those obligations as qualified tax-exempt obligations — commonly called Bank Qualified. This designation allows participating banks to deduct a portion of their carrying cost on the obligation, generally resulting in more favorable interest rates for the entity.
Can I finance multiple items in one lease?
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Yes. Multiple items can often be combined into a single master lease agreement, simplifying administration and potentially improving your rate through a larger aggregate amount.
What happens if no banks respond?
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If we do not receive qualifying rate offers within the response window, AMKO Capital will contact you directly to discuss alternatives, including extending the window or adjusting the terms.
Latest Updates
News & Insights
Program Update
April 2026
AMKO Capital Launches the AMKO Lease Advantage Platform
Our new automated platform delivers bank rate offers to municipalities within 7 days of application — a significant improvement over traditional procurement timelines.
Market Update
March 2026
Municipal Lease Rates Remain Competitive in 2026
Bank qualified tax-exempt lease rates continue to offer favorable terms for eligible public entities compared to traditional bond financing for smaller capital needs.
Education
February 2026
Understanding Bank Qualified Status: A Guide for Municipal Finance Officers
Bank qualified designation can significantly reduce your borrowing costs. Here's what finance officers need to know about eligibility and how to maximize the benefit.
Get in Touch
Contact AMKO Capital
Whether you're a municipality exploring financing options or a bank interested in participating in our network, we'd love to hear from you.
📧
Email
info@amkocap.com
📞
Phone
(701) 540-6821
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Location
Fargo, North Dakota
⏱️
Response Time
Within one business day

Send Us a Message

AMKO Lease Advantage

Enter your access code to begin your application. If you don't have an access code, contact AMKO Capital to get started.

Invalid or inactive access code. Please check your code and try again, or contact AMKO Capital at info@amkocap.com

Don't have an access code? Contact us to request access

AMKO Lease Advantage

Apply for the AMKO Lease Advantage

Complete this five-minute application to get your lease opportunity in front of our bank network. There is no application fee and no obligation to accept any offer.

✓ No Application Fee
✓ Bank Responses in 7 Days
✓ No Obligation to Accept
✓ Secure & Confidential
1
Entity
2
Contact
3
Lease Request
4
Disclosures
5
Financials
1
Entity Information
Tell us about your municipality or government entity
Please enter the legal name of your entity
Please enter your address
Required
Required
Required
Required
Format: XX-XXXXXXX
Please enter your Federal Tax ID
ⓘ If you are unsure of this value, please contact the County Auditor in which your entity resides.
Please enter the taxable value
Select the option that best describes your entity
City
County
Township
School District
Special District
Town
State Agency
Other
2
Contact Information
Who should AMKO Capital contact regarding this application?
Please enter the contact name
Please enter your title
Please enter a phone number
Please enter a valid email address
3
Lease Request
Tell us about the equipment or project you need to finance
Enter the total dollar amount you need to finance
Please enter the lease amount
Please select a lease term
How often the entity will pay
Please select a payment frequency
Please describe the equipment or project
Please enter the vendor name
Vendor Quote or Invoice *
Do you have a vendor quote or invoice for this equipment or project?
Attach Quote or Invoice
📄
Click to upload or drag and drop
PDF, Word, or image — max 10MB
ℹ No problem — you can submit now. AMKO Capital will follow up to collect the quote before sending to our bank network.
4
Financial Disclosures
Three required questions — answers take less than one minute
Bank Qualification Status
Under IRC §265(b)(3), a governmental entity may designate its tax-exempt obligations as qualified tax-exempt obligations (commonly called Bank Qualified) when the entity reasonably expects to issue no more than $10,000,000 in tax-exempt obligations — including bonds, loans, and leases — during the current calendar year. Bank Qualified status allows participating banks to deduct a portion of their carrying cost, generally resulting in more favorable interest rates for the entity. If your entity expects to exceed the $10,000,000 threshold, the lease will be structured as Nonbank Qualified.
Prior Default or Non-Appropriation
Has your entity ever defaulted or non-appropriated on a prior lease, bond, or legal financial obligation?
Self-Insurance
Does your entity self-insure for property and liability insurance?
5
Financial Statements
Upload three years of audited financial statements in chronological order
Upload Instructions
Please upload your three most recently completed audited financial statements in chronological order — oldest first, most recent last. Accepted format: PDF. Maximum file size: 25MB per file.
Year 1 — Oldest
Earliest Financial Statement *
Upload your oldest of the three financial statements first
Year 2 — Middle
Middle Year Financial Statement *
Upload your middle year financial statement
Year 3 — Most Recent
Most Recent Financial Statement *
Upload your most recent financial statement last

By submitting this application, I certify that everything stated is correct to the best of my knowledge. I authorize AMKO Capital to verify any information on this application with appropriate third parties as necessary to complete the credit review process. I understand that AMKO Capital will retain this application whether or not it is approved, and that submission of this application does not constitute a commitment to lease.

Electronic Signature *
By typing your full name below, you are signing this application electronically. This carries the same legal weight as a handwritten signature.
Please type your full name
Please enter your title
Date:
✓

Application Submitted

Thank you. Your application has been received by AMKO Capital and is being processed.

You will receive a confirmation email shortly. Our team will analyze your financials and reach out to our bank network within one business day. Expect rate offers within 7 days.

Questions? Contact us at info@amkocap.com