WITHOUT A DOUBT IT IS THE RIGHTCHOICE...Did you know 80% of businesses lease equipment.

More than 30% of a businesses assets are acquired through leasing.

More companies acquire equipment through leases than through loans.

WHY?????

First, what actually is a lease?
It is an agreement between a lessee, who pays the equipment owner, the lessor, to use the equipment for a specific amount of time.
Secondly, loans have rates--a lease has rental payments made to a lessor for the use of the equipment/asset. Companies benefit from the use of the equipment, not the ownership.

Here's a breakdown of the reasons why small/medium/large companies will choose the leasing option:
Maintenance 13%
Cash Flow 35%
Dollar Value 17%
Obsolesence 13%
Flexibility 13%
Tax Advantage 9%

RightChoice Leasing provides BIG BENEFITS for your small company:

CUSTOMIZED SOLUTIONS...many options of leasing products are availabe, allowing for tailored programs to fit your month-to-month, or year-to-year cash flow needs. We will customize a program to address you needs and requirements--cash flow, budget, business fluctuations, etc. Some of our programs allow one, or more payments skipped without a penalty, a great option, especially for seasonal businesses.

FLEXIBILITY...We will help you prosper and grow your business. You can elect to have options of adding, or upgrading at any point during the lease term through add-on, or master leases. If growth is anticipated, be sure to negotiate that option as the lease program is structured. You also have the option to include, what are known as Soft Cost items, installation, maintenance, training and other services, if required.

LESS UPFRONT COST...Leasing requires very little money down. Usually only the first and last month's payment is due at the time of the lease closing. A lease does not require a down payment and as a result, it is equivalent to 100% financing. This means you have more money to invest in revenue-generating activities. Most term loans require a 1-20% down payment.

FIXED RATES...Leases have rates that are fixed. Most term loans are adjustable. All equity-lines of credit are adjustable

PERSONAL CREDIT...Leases do not show up on your personal credit report. Bank loans will show up on your credit report and high credit card ratios of debt to available credit may keep you from getting further credit, or being able to buy a car, a house, or obtain another lease.

BALANCE SHEET MANAGEMENT...An operating lease is not considered a long-term debt, or liability, it does not appear as a debt on your financial statement. The result is you become more attractive to the traditional lenders, by improving your financial ratios. All loans, or cash purchases must appear on your balance sheet.

TAX TREATMENT...The IRS does not consider an operating lease, or a true lease to be a purchase, but rather, a tax-deductible overhead expense. Therefore, YOU CAN DEDUCT 100% OF YOUR LEASE PAYMENTS. Equipment bank loans must be depreciated over a period of years, which often exceeds the useful life of the equipment and only the interest is tax-deductible, principal is depreciated.

IMMEDIATE WRITE-OFF OF THE DOLLARS SPENT...Remember, leased equipment does not have to be depreciated over five to sven years, as you would do with a bank loan.

FAST TURNAROUND/LESS PAPERWORK...We provide an account executive to assist you as you go through the process. Leasing will give you the fast response you will require to take advantage of new opportuities. With minimal documentation, usually just a one page application, your approval will be quick and you will be able to have your equipment quickly. Most bank loans require corporate and personal tax returns and approvals usually exceeds a week.

UPGRADED TECHNOLOGY...If you demand the option of flexibility to insure you always have the latest technology, short-term operating lease can help you get the equipment and keep your cash. Lease equipment you expect to depreciate quickly. Your risk of getting caught with obsolete equipment is lower because you can upgrade, or add equipment to meet your ever changing needs.

FLEXIBLE END OF TERM OPTIONS...Leased equipment may be returned, renewed, or purchased.