Let PC Wholesale do
the research, so that you
can run your business
and still provide the
newest technology to
your customers.
Financing Options
Interested in Leasing your
next Computer purchase? Below you will find information on why this
might be a good thing for both you and your business.
Click Here if you would
like to go to the Financing Calculator. You just put in the price of
the equipment and it will tell you what your monthly payments will be.
Also, you can apply right online.
Click Here to see more.
Benefits of Leasing
Leasing is a proven
equipment-financing option. Eight out of ten companies lease their
equipment. Leasing provides greater flexibility than conventional financing
and traditional financial institutions.
Lease financing gives you more
purchasing power to acquire additional and/or higher-end equipment.
Allows for 100% financing. There
is no down payment and the term can be matched with the useful life of the
equipment.
By leasing the equipment, you
convert a large capital purchase into a lower up-front cash commitment
with lower, more affordable monthly payments thus freeing up cash reserves
for other needs.
Your payments can be 100% tax
deductible, meaning that payments come out of pre-tax income, not
after-tax profits.
Leasing provides you multiple
options at the end of the lease and gives you greater flexibility in
managing your business. At the end of the lease you can:
Upgrade to the latest
state-of-the-art equipment.
Purchase the existing
equipment.
Add to the equipment lease at
any time with an add-on schedule
Return the equipment at lease
expiration.
We offers a variety of leasing
products that can be customized to meet your needs and requirements, such
as cash flow, budget, product-specific, and seasonal fluctuations. Along
with the equipment, you can include the cost of delivery, installation,
tax, and, in some instances, maintenance contracts within the structure of
your lease.
Leasing vs. Buying
Allows for 100% financing. There
is no down payment and the term can be matched with the useful life of the
equipment.
Lease financing gives you more
purchasing power to acquire additional and/or higher-end equipment.
By leasing the equipment, you
convert a large capital purchase into a lower up-front cash commitment
with lower, more affordable monthly payments thus freeing up cash reserves
for other needs.
Your payments can be 100% tax
deductible, meaning that payments come out of pre-tax income, not
after-tax profits.
Leasing provides you multiple
options at the end of the lease and gives you greater flexibility in
managing your business. At the end of the lease you can:
Upgrade to the latest
state-of-the-art equipment.
Purchase the existing
equipment.
Add to the equipment lease at
any time with an add-on schedule.
Return the equipment at lease
expiration.
We offers a variety of leasing
products that can be customized to meet your needs and requirements, such
as cash flow, budget, product-specific, and seasonal fluctuations. Along
with the equipment, you can include the cost of delivery, installation,
tax, and, in some instances, maintenance contracts within the structure of
your lease.
We are experts in equipment leasing
and financing, and understand capital equipment markets. Leasing is a proven
equipment-financing option. Eight out of ten companies lease their
equipment. Leasing provides greater flexibility than conventional financing
and traditional financial institutions.
RULE OF THUMB...BUY WHAT
APPRECIATES AND LEASE WHAT DEPRECIATES
Types of Leases
Leasing equipment is easy and
flexible. With different payment structures and end of term options to
choose from, we can structure a lease to fit your exact business needs. Our
experienced and creative account executives will help you decide which
program is right for you. Or you can decide for yourself by reviewing the
types of leases listed below. They will help you determine what option you
need and what works best for your type of equipment.
End of term options
Fair Market Value or FMV leases are good option for businesses that
expect the value of their equipment to decrease quickly, want to maintain
low monthly payments, or will want to upgrade their equipment at the end of
their lease. With the FMV lease, you have the option at the end of the lease
to return the equipment, lease it for another year, or purchase it for the
equipment's Fair Market Value. And, with this lease, you may get to
write-off 100% of the rental payments as an operating expense. Of course,
you should consult your accountant about the tax treatment for your company.
$1 Buyout is for businesses that know their equipment won't lose its value
and want to keep it at the end of the lease. At that time, you simply pay $1
and the equipment is yours.
Fixed Purchase Percentage
leases are for companies that like the open flexibility of FMV but want to
cap their equipment buyout at a certain percent of the equipment value. The
most common purchase option is 10%.
Payment Structures
Seasonal Payments: Many industries are seasonally sensitive and
generate more income during certain times of the year. We can arrange a
payment schedule that allows your payments to rise and fall with your
business sales peaks.
90-Day Deferred Payment: New
equipment often has a learning curve associated with it. This payment
schedule allows you to defer payments while your employees are being trained
on the equipment.
Step Down Payments: These
payments start higher and decrease over time, which in turn reduces your
total out of pocket expense. Because you are paying more up front, this is a
good structure for businesses expecting to upgrade their equipment during
their lease term.
Step Up Payments: This
schedule allows your payments to increase over time in concert with the
increased earnings from your new equipment.
Quarterly Payments: If
monthly payments are inconvenient, we can arrange a quarterly payment
schedule for your company.
Master Lease: With a line of
credit ranging from $25,000 to $5,000,000, your business can get equipment
several times a year under one lease. This lease gives you the advantage of
a lower rate for your entire purchase, since all your equipment is covered
by one lease.
