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Guide to Leasing Computer and IT Equipment
Leasing, rather than loans, is becoming the financing tool of choice for IT
By Daniel Kehrer
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Small and mid-sized businesses needing computers, communications gear and other equipment associated with information technology (IT) have usually bought equipment with loans or cash. But leasing for IT and high-tech is becoming more popular. Small businesses are finding that leasing helps them keep their IT equipment up to date, avoid a hodgepodge of items and more easily manage the costs while avoiding obsolescence. If you wait until cash is available to buy the equipment you need, you may find yourself forever behind the technology curve, trying to catch up. Lease financing is a great way for a smaller company to leverage its budget for purchasing IT systems and obtain the critical solutions needed to compete. Leasing benefits include: - Capital conservation: Money is not tied up in equipment, leaving more cash available for personnel, office space or training.
- Credit conservation: Your credit lines stay clear, putting more capital at your disposal.
- Total financing: You can finance 100 percent of IT equipment costs, plus software, license agreements, maintenance and services.
- Flexibility: A lease can be customized whether you have 5 employees or 500. Payments might be spread over 36, 48 or even 60 months, or adjusted to fit seasonal or annual cash flow needs.
Business.com's " What Works for Business" blog is a great way to keep up with the latest solutions, trends and strategies for small and medium business -- including computer leasing.
Action Steps
The best contacts and resources to help you get it done
Tips & Tactics
Helpful advice for making the most of this Guide
- Leasing lets your business acquire new technology when you need it.
- Leasing offers balance sheet appeal, too. Unlike capital equipment purchases, an operating equipment lease has no depreciation schedule and is off the balance sheet. Plus, payments may be considered a deductible overhead expense.
- Leases are especially helpful if you need to upgrade early. Most leasing companies will buy back a lease and put you into something new at any time.
The official source of Leasing Computer and IT Equipment is
the Computer Leasing page at Business.com
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Compare computer equipment leasing quotes from competitive computer equipment leasing companies.
Financing including leasing and credit options.
Range of leasing options to provide access to equipment and minimize financial and technological risks of ownership.
Options include flexible fixed or floating rate, variable payment flexibility and off-balance sheet financing.
Options inclue true lease with fair market value purchase, fixed price purchase/lease, $1 purchase lease and coterminous addenda.
Leasing company offers asset based, equipment leasing terms.
Lease financing may include installation/shipping/tax/training; may be tax deductible.
Offers rentals of desktop, tower, network servers and laptops with Wi-Fi technology.
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 Best Sites to Learn More | Back to top |
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Equipment lease buyer's guide, articles and industry lingo.
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