Why Lease?

In today’s marketplace, more companies acquire capital equipment with leave financing rather than term loans. In fact, according to the Equipement Lease and Finance Association, eight out of ten US companies finance some or all of their equipment. No matter what your business size, industry or objectives, financing is a strategic decision and is one that provides ample financial and technological advantages for all acquisitions.

Advantages of Leasing

Leasing

Buying

Down Payment

Leasing

None, 100% Financing

Buying

Usually Between 10-20%

Monthly Payment

Leasing

Fixed Rate: Even if inflation occurs, payments stay the same

Buying

Variable Rate: If market interest rates rise, so do payments

Tax Benefits

Leasing

100% Deductible

Buying

Tax Depreciation on life of asset. Principal not deductible

Cash Flow

Leasing

Customizable programs allow for manageable budget and cash flow

Buying

Large upfront capital required

Opportunity Costs

Leasing

Frees bank lines and cash for future investments

Buying

Ties up credit lines, prohibiting other investments

Reporting

Leasing

Off-Balance Sheet Financing

Buying

Carried on Balance Sheet as debt

Future Value

Leasing

Lessee bears no risk of future market value

Buying

When disposing of equipment, owner bears risk of future market value

Flexibility

Leasing

Can upgrade or replace current equipment to keep assets technologically up-to-date

Buying

The equipment is owned, with no options for flexibility

Interested in financing? Get in touch!





 




SaviorLabs is happy to offer financing options through Marlin Equipment Finance.