Why Lease?

• Free Up Capital: Leases allow you to retain capital strength by allowing you to buy the equipment you need today while spreading out your payments throughout the life of your equipment. Thus allowing you to save your capital for other expenses such as adding sales personnel, increasing marketing, or taking advantage of quantity discounts (a 2% discount each month can really add up), which means that you will have more money to invest in revenue-generating activities.
  
  One general rule is to invest your working capital on things that appreciate or accumulate in value such as employees or real estate, and lease items which depreciate or lose value such as equipment and machinery. In addition to these advantages, a lease allows the lessee to acquire more of the product or more high-end equipment than they would if they purchased.
• Balance Sheet Management: A lease is not considered a long-term debt or liability, and therefore does not appear as debt on your financial statement, making your company more attractive to investors. Payments are treated as operating expenses on the company's balance sheet, and therefore do not have to be depreciated over the life of the equipment.
• Avoid Obsolescence: With today's rapid technological changes, leasing provides a company with the means to keep up with the pace set by technology. Your risk of getting caught with obsolete equipment is lower because of your ability to upgrade or add equipment to meet your ever-changing needs.
• Flexibility: As your business grows and your needs change, you can add to or upgrade your lease at any point through add-on leases or master leases. There are a number of leasing structures available to allow you to tailor the lease that best accommodates your needs and requirements: such as cash flows, budget, transaction structure, and seasonal or cyclical fluctuations. Many leases also allow you a great deal of end-of-term flexibility, allowing you to purchase the equipment, renew your lease, or simply return the equipment once the lease has expired.
• Tax Advantages: The IRS does not consider an operating lease to be a purchase, but rather a tax-deductible overhead expense. Therefore you can deduct the lease payments from your corporate income and are not taxed on them.
• 100% Financing: Leases can provide 100% financing, which includes shipping, installation, software, training or any other soft costs. In most cases, a large down payment is not necessary, and the complete cost of the equipment is spread out over the life of the lease. Cash flows are spread out evenly throughout the course of the lease, allowing for improved cash forecasting.
• Speed: Leasing allows you to respond quickly to market or technological changes. You can have the equipment you need in operation quickly when you need it, without hassles. Many leasing companies can have you approved within one or two business days, with minimal documentation.

Please download the credit application and the personal financial statement by clicking on the links below. If you have any questions or problems, contact us at 203-336-4034 or via email at mail@graphicsavings.com.

Credit Application

Personal Financial Statement