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Equipment Leasing Services

Leasing is well known as a popular financing method to help businesses expand without large financial commitments. It is a superior form of financing that enables your company to upgrade or add new equipment while experiencing real tax advantages. Unlike a cash purchase or bank loan, a lessee has the power to determine the payment amount and schedule, as well as the downpayment. Also, lease financing does not affect bank lines of credit and effectively conserves your working capital.

This is such an effective form of financing that currently in the United States, more than 80% of all capital equipment is leased.

Question: Should I Lease Or Buy
There are inherent advantages with both buying and leasing equipment. These advantages vary from company to company, mainly because each company has a different set of financial circumstances. A growing number of businesses throughout the country turn to leasing as an excellent alternative to regular financing vehicles. The reasons why are many:

Lower Cost Of Financing: Leases are often structured to enable a lower monthly payment than conventional loans.

Tax Savings: Payments on a lease plan can frequently be treated as a pretax expense.

Cheaper Financing: Leasing, specifically "true leasing" can cost dramatically less than purchasing. With a true lease the lessor can claim depreciation deductions while claiming the full payment as a before tax expense.

100% Financing: Leases can pay for not only hard costs, but so-called soft costs like shipping, training and installation charges.

Longer Terms: Traditionally, lease payment plans can structured to have a much longer term than that of other financing plans. The resulting repayment schedule can be beneficial to cash flow.

Fixed Payments: Leasing can protect your company against inflation and allow you to better manage your budget. With a lease, payments never fluctuate.

Improved Profits: By leasing modern or technologically superior equipment, a company can experience lower operating costs and increased productivity.

Improved Credit Lines: Leasing lets you reserve credit lines for inventory and other working capital loans, as opposed to using them for fixed asset purchases.

Added Convenience: Lease plans can be put in place much quicker than other financing vehicles. As well, because documentation is usually much more flexible than that of term loan agreements, the qualification process is not as complex.

Better Leverage: Frequently, a company may encounter difficulties purchasing equipment because of capital expenditure issues. This is where leases can be extremely effective, because payments are classified as an operating expense, as opposed to an ongoing liability.

Things To Expect When Leasing
At Factoring Associates, we have developed a number of leasing programs which can accommodate your business - no matter its credit rating. With our "A Credit Gold Program" we offer a very competitive lease rate for older business' with excellent credit. Meanwhile, our "C Credit Bronze Program" offers leasing options for new businesses, start up companies and businesses with little credit history.

Equipment Leasing Financing Companies For Software Business Vehicle and Commercial Needs

Some frequent equipment leasing applications include office automation tools, forklifts, medical devices, restaurant equipment and printing machines. One recent opportunity that has become increasingly important is our special emphasis on the mailing, shipping, packaging, and warehouse products industries. Because of recent changes in postal requirements, Factoring Associates now provides some of the most flexible mailing hardware and software leasing programs in the industry.

The entire process has, in the past, taken less than 14 days! Please feel free to contact us with any questions, or apply now to begin factoring today.