Many small business owners say that overhead costs are one of the leading concerns and equipment leasing, or even barriers, to starting or growing a business. Most of those costs are associated with office space and other equipment. Today, however, business owners have the option to lease on a monthly or annual basis virtually anything from computer software and printers to delivery vans and specialized production machinery. There are many advantages of equipment leasing – tax, operating, and cash flow just to name a few.
Equipment Leasing “Renting”, as opposed to purchasing outright, can deliver important benefits to small business owners. First, leasing creates greater financial flexibility by enabling you to get what you need for your business without having to pay for it up front. Rather than having to pay thousands of dollars all at once, you will have a manageable payment, which frees up cash and credit to invest in growth and other priorities. Moreover, since you do not have to wait to buy critical equipment until you can afford it, leasing the equipment can help you move quickly to take advantage of emerging business opportunities and help preserve your competitive edge.
Second, in a small business environment of continuous innovation, access to the latest technology can be integral to the long-term success of a company. Leasing enables business owners to update equipment as necessary, without having to worry about disposing of, and accounting for, depreciated older technology.
Is Equipment Leasing Right For You?
While there are definite advantages to equipment leasing, there are several considerations you should take into account when determining the right arrangement for your particular needs.
When to lease equipment – The decision to buy or lease is specific to each piece of equipment and owner. Generally, factors worth examining when evaluating whether to lease or buy include cost, availability of capital/credit, nature of equipment and how long equipment will be needed. For example, in some instances it might make sense to invest in certain equipment (e.g., heavy machinery that will likely not change much) versus computer hardware, which requires frequent enhancements and updating.
Equipment Leasing or Renting of leased equipment – In a true or operating lease, your rental payments do not entitle you to any rights or ownership interest in the equipment. You only have the right to use the equipment until your term in the true lease contract is over. The upsides of a true lease are lower monthly payments and the potential to have the lease qualify as a tax deductible operational expense.
On the other hand, a financial lease or capital lease is used to finance the purchase of the equipment, allowing you to spread out payments over the equipment’s life cycle rather than paying in one lump sum. At the end of the agreement, you will own the equipment.
Terms of equipment lease – Equipment leases can be structured to include various conditions regarding installation, essential maintenance and training as well as options for when the lease expires (e.g., extend, purchase at either fair market value or fixed amount) or simply return what you have leased.
Selecting the right leasing partner – Credit history requirements and other criteria (e.g., age of company, type of business, amount of lease) differ by leasing company and can impact terms and pricing. You should compare lease packages from several different companies to ensure that you are getting the best deal possible. Once you select a provider, be prepared to negotiate.
The factors outlined above are essential to consider, and understand, prior to leasing any equipment. Make sure that the lease best serves your business needs. Do you have any suggestions for leasing equipment? Also consult with you CPA or experience bookkeeper in the tax advantages of equipment leasing.
Thinking of an equipment leasing or equipment financing, check out Apple Capital Group, Inc. Apple Capital group is an equipment finance lender based in Jacksonville, Fl. Give us a call! This article is a courtesy of Apple Capital Group, Inc., if you like the articles, please share it to friends and PLEASE click the google+1 so we can measure how it is helping this small business community! Thank you!
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This video is bisead towards buying. The video does not mention that when most people finally own their car, its at a point where it will begin needing “X” number of major repairs each year, which can easily add up to a years worth of lease payments for a newer model.
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Let’s not feogrt after you have leased the car, you can then decide to keep the car and make the rest of the payments on it. By that time, you’ll be using the loan strategy. If you play your cards right, within the time you are leasing, you can have already acquired a decent job and saved enough funds to put down an awesome down payment.
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Credit rmrqiueeents for leasing and financing are no different, if you qualify for one in most cases you qualify for another. If your credit is very derogatory or very limited leasing may not be an option, because the banks that approve bad credit customers don’t generally have leasing programs. With the state of the auto industry today many lenders have become more lenient in their credit approval criteria, because everyone is fighting for a small pool of customers. So this is a good time for someone with marginal credit to try for approval.Lease payments are dependent on 3 things essentially, price of , residual value (end of term value) and money factor (or cost of funds to loan). Residual value is not negotiable, although you can change it based on the amount of annual mileage you require. The points of negotiation will be the price you pay for the car and what they charge you for the use (money factor), there is generally manuver room in either of those areas, so yes you can negotiate the payment based on what they are willing to sell you the car for and how much they mark-up the rate.
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Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.
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The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.
Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.
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Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.
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The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.
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