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Leasing vs. Bank Loan vs. Cash

Our leasing programs can be a common-sense complement to an existing bank relationship.
Cash or working capital may be the ideal way to meet daily and short-term business needs, such
as paying suppliers, meeting a payroll, or dealing with a business emergency. However, working
capital isn't ideal for funding longer-term assets like equipment. Take a look:

LEASING - Non cancelable contract extending over a fixed term


  • 100% financing, including installation,
    wiring, taxes, and software
  • Conserves capital
  • Preserves bank lines
  • Flexible terms
  • Hedge against inflation
  • Obsolescence protection
  • Fixed lease term and payments
  • Full use of equipment without ownership
  • Creates new credit source
  • Easy add-on / upgrade


  • Non cancelable agreement
BANK LOAN - Repaid in regular installments


  • Direct Ownership
  • Depreciation
  • Appropriate when bank lines remain
    untapped or there is a loan
    covenant requirement


  • Capitalizes equipment
  • Relatively short term, usually 24 or 36 months
  • Extensive documentation
  • Covenant restrictions
  • Exhausts credit lines
  • No obsolescence protection
  • May require compensating balances (usually 20% or more of the loan amount), down payment, and/or origination fee
  • Variable interest rate could rise

CASH PURCHASE - Use working capital for acquisition


  • No finance charges
  • Direct ownership
  • Depreciation


  • Depletes cash reserves
  • Reduces investment leverage
  • No hedge against inflation
  • No obsolescence protection




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