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Why Lease? Leasing Benefits the Customer!
Leasing Pays for Itself: Therefore leasing allows you to purchase the equipment you
need without imposing upon your company's cash flow. Also, lease payments are made from future dollars,
providing present savings, as today's dollars are worth more now than future dollars
Leasing Preserves Credit Lines and Capital: Leasing provides an additional source
of funds which supplements existing credit lines. Your available capital is increased because other credit
lines are left unencumbered for operations, expansion and acquisitions.
Leasing Can Reduce Taxes: Unlike loan payments, lease payments may be fully
deductible as an operational expense.
Leasing Provides Flexibility: Monthly or periodic payment terms ranging from 12
to 60 months, allow for simplified budgeting. Your payment schedule can cover all the costs associated
with acquiring equipment, including installation, training, maintenance support and freight.
Leasing Can Guarantee Obsolescence Protection: Under special programs with LCA,
you can upgrade the equipment you lease from LCA, during or at the end of your lease period, as
technological advances occur or as your needs grow.
Standard Leasing Options
10% Buy-Out Plan: This plan is a true lease and is targeted at the customer who desires
a fixed residual. At the inception of the lease, the buy-out figure is fixed at 10% of the equipment's
original cost.
End-of-lease options are to purchase the equipment for 10% of the original cost, trade-up to new
equipment or return the equipment.
10% Security Payment & $1.00 Buy-Out: This program is designed to offer a low monthly payment
and the comfort of a fixed buy-out. This lease is also a true lease.
End-of-lease options include: using the security payment to help replace the equipment,
extend the lease, purchase equipment for $1.00 & forfeit security payment, or return the equipment.
$1.00 Purchase Plan: For those customers who are fairly certain they wish to purchase the
equipment at the end of the lease term, this is the recommended plan.
End-of-lease options include: the equipment is simply purchased for $1.00, trading-up to
new equipment or returning the equipment. No tax benefits are available for this plan. (Note: This plan is
NOT available in Florida, Nebraska, Arkansas or Texas.)
Special Purpose Finance Plans
Municipal Lease Programs: LCA offers knowledgeable and experienced staff to help secure
municipal leases. We offer competitive rates on leases for tax-exempt, taxable municipals and 501c3
organizations. Call your sales representative for complete details on this program.
Deferred Payment Programs: Offers the lessee the opportunity to eliminate the down payment
and 60-90 day window before the first lease payment is due. This program helps the lessee manage their
cashflow.
90 Days - Same as Cash - Programs: Allows the vendor to release equipment to the customer as
long as the customer agrees to pay the full amount within 90 days of equipment delivery. The program pays the
vendor upon release of the equipment and also offers the lessee the option to convert to a conventional lease
after 90 days.
Zero Down Lease Programs: Allows the lessee to take possession of the equipment with zero cash
outlay and first payment is deferred for 30 days.
Step Payment Program: Offers the lessee the opportunity to establish a lower monthly payment at
the start of the lease and step up payments over the life of the contract.
Seasonal Payment Programs: Tailored toward lessees who have interrupted cash flows due to the
seasonal nature of their business. Under this program, lease payments are paid only during months the business
operates and/or generates cash flow.
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