THE ADVANTAGES OF LEASING

BUSINESS 101: Buy things that appreciate, and lease things that depreciate.

PAY FOR IT AS IT PAYS YOU: You would not pay your employees four or five years in advance. Why should you pay for your equipment in advance? Pay for it as it earns you money. This is the opportunity that leasing will give you.

KNOW WHAT YOU OWE: Having consistent, fixed payments throughout the term of your lease will help you to accurately budget equipment dollars, while financing options with floating interest rates will always keep you guessing.

FREEDOM TO CHOOSE: Many lease companies provide you the opportunity to choose. At the conclusion of your lease, you may purchase the equipment at the stated dollar amount, continue your lease at a lower monthly rate, or simply return the equipment with no further obligation.

SAVE YOUR ARM AND LEG: Rather than expend 10-20% of your cash on hand to acquire your equipment, many lease companies require no more than first and last month's lease payment as a down payment.

IT'S FASTER, IT'S EASIER: Leasing companies design their leasing programs in a way to provide you a quick and easy approval, as opposed to the lengthy and complicated process you'll discover in funding through banks.

PROTECT YOURSELF: Advancing technology means the best of today is obsolete tomorrow. Leasing equipment can protect you by allowing the equipment you need today for the amount of time it will be useful to you. When the best technology of tomorrow is available, a lease company will help you acquire the capital to purchase it.

YOU CAN GET IT ALL: Leasing companies provide 100% financing by including a specific amount of soft costs (including installation, freight, extended warranties) in your transaction, unlike most traditional financing sources.

GOOD TAX NEWS: Your lease payments can be deducted as a business operating expense, in most cases, reducing the net cost of your lease for the term of your contract.

SAVE YOUR CASH: By leasing your equipment, and avoiding a sizable cash outlay, you can conserve your on-hand capital for more important uses, such as investments, inventory, personnel and advertising.

GIVE YOURSELF SOME CREDIT: When your purchase equipment with borrowed funds, your credit lines with that lender are sizably reduced. When you lease your equipment, you can conserve lines of credit for emergencies, or other purposes, and subsequently establish a separate line of credit, and maintain an excellent credit history.