Lease your equipment with confidence ( and its all yours at the end* )

Leasing is probably the most popular method of purchasing equipment today. The majority of customers purchasing new equipment will lease. This allows them to have the best equipment without the worry of using cash flow.

Should I pay cash or lease ?

You may be able to afford to buy the equipment out right, but before you make this decision, you must consider the following.

1. Will I be making other purchasers in the next few years that will need me to spend my money ? If so, why spend all your cash flow.

2. Leasing enables you to save your cash for other purchases such as new stock, staff training, staff wages, Rent, advertising, new business opportunities, and unexpected happenings.

3. By paying cash, customers often go for a cheaper option instead of the actual equipment they need. Lease the equipment this will allow you to have the best equipment at an affordable weekly price.

4. Most Business like to refresh every 3-5 years this allows you to attract new clients in addition you can justify your prices going up, so why keep outlaying money all of the time on assets that devalues itself.

5. Once you have spent the money it has gone. Equipment is not like a house or a car. It would be virtually impossible to sell the equipment and generate the same money that you paid for the item. Buy assets that appreciate rent/lease assets that depreciate

6. Roll in the warranty and service package for the entire term of the agreement. Have peace of mind that your equipment will be looked after

7. Do you pay yourself or your staff 5 years salary at the start of the contract? Why do the same for equipment simply pay as you use and earn of it.

8. Sign your lease and you have no deposit to pay. All Equipment Finance does it for you.
* Subject to status. Minimum Amount £2000. For further information contact us on  0800 999 6446

Finance Questions and Answers

Do my payments increase if Inflation or Interest Rates rise ?

No . Your monthly payment is fixed at the start of the lease and so are unaffected by interest rate rises. This enables you to budget your cash flow more accurately.

As inflation rises, because your payments are fixed the cost of the equipment reduces in real terms.

Is there a tax benefit associated with leasing ?

Yes. A business wishing to acquire capital equipment has to seek the most tax efficient way when doing this. All lease payments are treated as an allowable busi ness expense and there fore attract tax relief for the full duration of the lease agreement. Your accountant will be able to confirm this.

Should I go to my bank ?

Using your bank for all your business funding is not a good practise. If you use all your overdraft facilities, you leave yourself in a vulnerable position to react to any un expected needs of short-term borrowing. Your bank may change the interest rate mid-way through a loan or reduce your overdraft facilities, which can dramatically affect the cash flow of your business. Sometimes banks will limit the amount they will lend you with out further security such as taking a charge on your home. It is not financially prudent to have all your eggs in one basket.

Have the best equipment

This enables you to choose the best equipment available with no cash outlay. This enables you to have the best equipment available with the latest technology and start to enjoy the extra profits this generates before your next lease payment is due.

Change Equipment at the end

Either at the end of the lease, *you can own the goods for one extra monthly payment or we can come in take the old equipment away and replace with brand new equipment allowing you to have the best and latest equipment.

* Subject to status. Minimum Amount £2000. For further information contact us on  0800 999 6446