如何避免在租赁结束时产生额外费用

如何避免在租赁结束时产生额外费用

如何避免在租赁结束时产生额外费用

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Leasing equipment is advantageous to your business in many ways. For example, leasing heavy equipment allows your business to select a fixed term with low upfront costs and the option to purchase the equipment at the end of the agreement. However, it’s important to be aware of the potential concerns, specifically pertaining to additional payments and penalties, that can arise at the end of a lease.

Understanding the issues related to extra costs and knowing how to properly address them can help you secure an attractive lease for your business. Ideally, your lease agreement shouldn’t present any major financial obligations at the end of the term.

 

租赁设备可从多方面惠泽您的企业。例如,租赁重型设备允许您的企业选择前期成本较低的固定期限,还可选择在租赁结清时购买设备。不过,重点是要意识到租赁结束时可能出现的问题,特别是与额外付款和罚款有关的问题。

了解与额外费用相关的问题以及如何正确解决这些问题,可以帮助您为企业获得有吸引力的租赁。理想情况的是,您的租赁协议未在期限结束时出现任何重大财务责任。

 

Find the option and lessor that works best for you
 

Choosing the right kind of lease for your operational and financial needs and the financial institution that provides you with the lease can greatly impact the total number of additional expenses you will be responsible for when the lease comes to an end. Working with banks offers many advantages, but including a third party in a lease tends to lead to increased costs and additional fees. Some want to make a profit off of these transactions, and others need this type of revenue.

Working directly with a captive financing company means that only two parties are involved, which translates to fewer unexpected costs. Leasing directly from a captive financing company provides several other benefits. The lessor is familiar with your industry and typically has a wide range of equipment available matched with the expertise to help you determine the best option for your business.

 

Finance leases

The different types of leases available to your business should also be carefully reviewed. A finance lease typically include the option to purchase the equipment at the end of the lease period. Flexible return or purchase options are offered when a mutually agreed period during the agreement is reached.

Finance leases differ from operating leases in how they're recorded on a company's ledger. A finance lease is counted as an asset, which also increases liability. This form of lease allows companies to claim the depreciation in value of the equipment itself on their taxes along with the interest expenses that come with the lease. In terms of fees, finance leases can have low final bargain purchase options and end-of-lease balloon payments - a major advantage in some situations.

 

Operating leases
 

An operating lease allows businesses to avoid carrying the assets and liabilities related to the equipment. Operating leases are considered a rental expense, which is beneficial in terms of receiving tax incentives. Operating leases can also provide an option to purchase the equipment at the end of the term, although the advantages in that respect aren't as strong as they are with finance leases. Seeking out an operating lease from a captive financing company is a very effective choice, depending on a business's needs.

 

改进现金流和营运资金的提示

您的企业如何改善其营运资金和现金流状况,确保有足够的可用资金应对计划和非计划开支?

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独一无二的融资和延长保障计划,为您的需求量身定制。

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