• Keeps credit lines intact
• Conserves working capital
• Hedges against inflation
• Provides greater profits by putting equipment to work NOW
• Hedges against obsolescence
• Overcomes budget limitations
• Pays for equipment as it produces profits
• Can be least expensive form of financing
• Provides virtually 100% financing
• Has possible tax advantages

• Only pay cash for items that appreciate in value - use somebody else's money for items that depreciate
• Cash kept in the business improves the balance sheet and the key financial ratios lenders evaluate
• Cash is derived from after-tax profits - the lease payment is a pre-tax expense

• Generally leasing requires much less out of pocket money
• Leasing keeps bank lines of credit available for business opportunities and other short term cash requirements
• Leasing may offer off-balance sheet financing which can enhance a company's financial ratios and ability to get a loan
• leasing provides an additional line of credit for the company as well as an additional credit reference

A PDF form is available to download to your computer, print and fill out. This method requires Adobe Acrobat Reader which is a standard program on most computers. If you do not have Adobe Acrobat Reader and wish to download the free software see the link below. Also provided is a PDF file that describes your rights for credit applications.

1) PDF Application 84k

1A) PDF Applicant Credit Rights 40k

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