Lease Information

Lease financing:

• Maintains greater flexibility than both conventional financing and traditional financial institutions.
• Gives you more purchasing power to acquire additional and/or higher-end equipment.
• Allows for 100 percent financing. There is no down payment and the term can be matched with the useful life of the equipment.
• Converts a large capital purchase into a lower up-front cash commitment with lower, more affordable monthly payments. Thus, you free up cash reserves for other needs.
• Provides for 100 percent tax deductible payments. Payments come out of pre-tax income, not after-tax profits.
• Lets you choose how to manage your business. At the end of the lease, you can:
• Upgrade to the latest state-of-the-art equipment
• Purchase the existing equipment
• Add to the equipment lease at any time with an add-on schedule
• Return the equipment

Cavalear Computers & Support offers a variety of leasing products that can be customized to meet your needs and requirements, such as cash flow, budget, product-specific, and seasonal fluctuations. Along with the equipment, you can include the cost of delivery, installation, tax, and, in some instances, maintenance contracts within the structure of your lease.

Whether you're expanding your company, replacing outdated or failed equipment or simply taking advantage of an opportunity to exceed your competition, Cavalear Computers & Support can provide a financial solution that will meet your firm's needs. At Cavalear Computer Support, we understand equipment purchases can be a costly part of running your business. For this reason, Cavalear Computers & Support can help you obtain the equipment you need and pay for its use over time without spending a large amount of cash up front or hassling with a bank loan.

Trying to decide if leasing is right for you? Leasing has become a tool for growth-oriented companies to use when meeting evolving business needs in an overly competitive world. Below are some of the advantages to leasing with Cavalear Computers & Support.

Cash vs. Leasing

There are various ways that your business can benefit from your cash reserve as opposed to spending it all on one large purchase. Here are a few reasons why you should keep your cash on hand and lease your equipment:

• Better uses for cash - Purchasing equipment drains your cash reserves and puts your business at risk.
• Battling the obsolescence of hi-tech equipment - There is no benefit to sinking your company's cash into an asset that depreciates so quickly. Cavalear Computers & Support provides leasing options that allow you to upgrade, return, or purchase the equipment at its fair market value.
• You get more with leasing - Leasing allows you to get all of the equipment that your company needs at once, rather than purchasing different pieces as cash becomes available to you. Leasing also allows you to finance shipping, tax, installation, training maintenance and other soft costs.
• Convenience of monthly payments - Why not pay for your equipment while it earns money for you? Many times there is a learning curve associated with new equipment. By spreading payments over a period of time you can realize a steady income.
• Leasing offers high quality service and with quick results - All you need to do is fill out a   one-page application   and Cavalear Computers & Support will take care of everything else for you. This will also allow you to focus more on your business and less on paperwork.

Lease vs. Loan

Some of the benefits of leases as opposed to loans include tax benefits, a low fixed rate, no blanket liens, quick and easy processing, and much more. Here are some common questions people have when deciding between a lease and a loan:

• Does leasing require me to make a Down Payment ? - While most banks will usually require a 10-20% down payment on a loan, leases require only first and last payment.
• Will my rates be fixed or varied ? - When you lease with Cavalear Computers & Support your lease rates and terms are normally fixed.
• Does leasing require blanket liens ? - When financing equipment, banks will usually place a "Blanket Lien" on your business assets. This can create problems if you want to get additional financing. Rarely will a blanket lien be required on a lease.
• What type of tax benefits will my business realize if I lease ?* - 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. Bank loans are not tax deductible. Please consult your tax advisor for additional information. (Please verify all tax information with your tax professional)
• How long will it take to process a lease application ? - Cavalear Computer Support understands one of the most important resources to your business is your time. Compare the time it takes to get a $50,000 bank loan, which can take up to several weeks as opposed to a lease for $50,000 that can be processed in about 48 hrs.

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