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"If it appreciates…
buy it.

If it depreciates…lease it."

J. Paul Getty



Benefits of Leasing

Leasing is a flexible form of financing:Best Payment Calculator

Calculate customized, low payment plans that meet your specific financial requirements.

Apply on-line for equipment or software leasing approvals.Online Application

Four out of five U.S. businesses use leasing as a method of acquiring capital equipment and software. The industry is over $150 billion and accounts for 30% of all capital acquisitions.

Preserve Liquid Assets- Leasing allows your business to get the equipment needed to generate profits, while preserving valuable cash needed for on-going operations, expansions, etc…Use cash for assets that appreciate in value.

100% Financing- Usually no down payments are required so that your operating cash account is unaffected.

Low Payments & Cash Flow Flexibility- Leases are flexible and structured to meet your cash flow requirements. Terms up to 84 months, level or graduated payments, 90 day deferred, etc…

Asset Pays For Itself- Do you pay your employees 5 years in advance? Leasing allows you to match your assets performance with its profit production.

Maintain Bank Lines- Bank lines are important to keep open in case of funds needed for business expansions, operating cash flow needs, leasehold improvements, etc…Use leasing for capital improvements and preserve valuable bank lines.

Hedge Inflation and Obsolescence- Receive the benefits of your asset today while paying with tomorrow's dollar. Also, if you need to upgrade because of technological advances, return the leased asset at lease termination...Why pay in full for an asset that is not being fully utilized?

Tax Benefits- The IRS has many incentives for businesses to lease capital assets, including, Section 179 first year write-off, lease payment  deductions, interest deductions, etc…Consult your accountant.

Makes Budgeting Easier- With a level lease payment, there are no surprise expenses that would unexpectedly disrupt your budget.

Preserve Balance Sheet Ratios- A true lease is not considered a liability that needs to be reported on your balance sheet, therefor keeping your  capacity to borrow unaffected.

Easier Approvals and Less Obtrusive Than Bank Financing- Leasing requires less paperwork for credit approval and does not require additional collateral and compensating balances like banks sometimes require.

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