In this article we will look at how to buy equipment on lease. Let's find out which interest rates provided for legal entities and individual entrepreneurs, and we will also figure out how to calculate payments using a calculator. We have prepared possible contract terms for different types equipment and collected feedback from clients of leasing companies.
TOP 8 companies where you can buy equipment on lease
MKB Leasing
from 15% advance
- Leasing of passenger cars, trucks and passenger cars;
- Leasing of special machinery and equipment;
- Leasing of rolling stock;
- Leasing of aircraft, river and sea vessels;
- Real estate leasing;
- Leaseback.
Conditions for purchasing equipment on lease
Purchasing equipment on lease is a service, the registration of which allows you not only to obtain the necessary equipment, but also to purchase it in the future. This type of leasing can be used not only by companies, but also by individuals.
The general conditions for leasing equipment, including the cost of the service, are presented in the table:
Please note that the equipment you want to purchase can be leased either from an official representative or from a supplier. But most often the contract is tripartite: with the participation of the seller, the lessor and the lessee.
As for the amounts and terms, the amount of financing can be 40,000,000 rubles. In this case, the term of the contract can be increased to 10 - 12 years.
The issue of full or partial early repayment is necessarily specified in the contract. This allows you to avoid some negative aspects.
Please note that equipment can be purchased under government preferential leasing programs. Its participants are most often given a discount on the advance payment for leasing.
How to buy equipment on lease
So, an important decision has been made, and the equipment will be purchased using leasing. For successful registration There are several important steps you need to take:
- Finding a lessor. Study information about which leasing companies are in the city or region of your residence. Consult with specialists about the assortment, check whether it is possible to lease the equipment you are interested in. Read in advance the list of documentation that will need to be collected. Carefully analyze the companies' offers; do not immediately agree to the one that comes your way first.
- Let's submit an application. Contact the office of the selected company, and if you want to save time, fill out the application form online. To do this, you need to go to the official website of the organization.
- After making a positive decision on the application, all you have to do is sign the agreement. Read each paragraph carefully, clarify all unclear points.
- Make the required down payment. Sometimes you need to pay additionally for insurance services.
- Get the equipment you need.
Now you can use the equipment for its intended purpose, and later buy it back if necessary.
Leasing calculator
To perform preliminary calculation payments, you can use the calculator on the website of the selected company. There is nothing complicated about using it. Consider for example:
You lease several machines for a total cost of 4,000,000 rubles. The down payment amount is 30% of the cost. The monthly payment amount for you will be 72,210 rubles.
Requirements for lessees
Different companies may have slightly different requirements for clients. We will talk about the basic criteria that recipients must meet. So, if the client is an organization:
- The period of official operation of the company is at least 1 year.
- The company is a resident of the Russian Federation.
- Official registration as a legal entity. faces.
- The activity must break even.
- No overdue loans and taxes.
If we talk about private individuals, the requirements for them are as follows:
- Solvency.
- No negative credit history.
- Age - from 21 years.
- Citizenship of the Russian Federation.
- Having a permanent job and income.
Important! Regardless of the category of the recipient, he should not be subject to bankruptcy or other legal proceedings.
Application documents
In order for the leasing agreement to be concluded, provide:
- Completed application form.
- A photocopy of your company's Articles of Association.
- Order on appointment to the position of manager and ch. accountant.
- Financial statements for the previous year.
- A photocopy of the manager's passport.
- Balance sheet.
- Current account statement.
Individuals provide:
- Passport of a citizen of the Russian Federation with a registration mark.
- SNILS.
- A photocopy of the work book.
- Certificate of income in form 2-NDFL or in company form.
- Questionnaire.
What equipment can be registered
Equipment leasing different types most attractive to representatives of small, medium and large businesses. Moreover, it is possible to purchase not only new, but also used equipment. The second option is acceptable for relatively young organizations that do not yet have sufficient capital to replenish the list of fixed assets.
As for the types of equipment, you can lease:
- industrial and production equipment(including woodworking machines and other mechanisms);
- food equipment for cafes and bakeries (including coffee machines for leasing, beer equipment for bottling beer).
Besides, everything greater distribution receives leased purchases of cosmetology and dental equipment. Leasing is also popular for the service industry: laundry and washing equipment is often purchased this way. And construction companies and organizations involved in engineering surveys buy expensive geodetic equipment through leasing.
Trade equipment
Leasing of commercial equipment significantly allows you to modernize your business. In particular, the following purchases are available for LLCs:
- shelving;
- counters;
- refrigeration equipment and so on.
The terms of purchase are as follows:
Note that most often a deposit is not required, and partners of leasing companies often offer various discounts and promotions to lessees.
Important! The given tariffs are average, individual conditions are negotiated individually during the transaction process.
Car service equipment
In this case, the subject of leasing may be:
- car lifts;
- diagnostic equipment;
- washing equipment;
- cleaning equipment.
In addition, you can buy tire fitting equipment on lease (not only in Moscow, but also in other cities). On average, the following conditions apply:
Some leasing companies are ready to extend the term of the contract and also offer deals for more large sums. You can buy Russian and imported equipment, new and used.
Fitness equipment
If you are planning to open a fitness club, then the leasing service is for you - great solution. Not every entrepreneur can afford to purchase sports equipment for cash. Professional sports. inventory is usually expensive, and it is very difficult to get a loan for it. Therefore, all exercise equipment can be purchased on lease, and at an acceptable interest rate.
Let's consider the conditions for purchasing gym equipment on lease:
You must remember that the equipment is the property of the leasing company until you buy it.
Computers for leasing
If in the near future you need to buy computer equipment for your company, then a deal with a leasing company may well help with this.
On average, tariffs for the purchase of equipment look like this:
It is worth noting that leasing a server and other equipment is not the most popular service in the Russian Federation, although some companies use it quite successfully.
Medical equipment for leasing
World practice suggests that medical equipment is quite often purchased on lease. Thus, the material and technical base of medical institutions is improved and the healthcare sector is developing.
The conditions for purchasing laboratory and other medical equipment are as follows:
We have provided generalized conditions for purchasing equipment for the medical field in Moscow. Contracts are concluded with each client on individual terms.
Equipment leasing for legal entities
For legal entities leasing is much more profitable than lending. One of the advantages is that you do not need to provide a business plan to consider your application.
As for the contributions paid, they are taken into account as production costs, which means that the amount of income tax is reduced. Until you become the owner of the equipment, property taxes will be paid by the lessor.
Equipment can be purchased ahead of schedule if such an option is specified in your agreement with the lessor.
Leasing equipment for individual entrepreneurs
For small businesses, equipment leasing is sometimes the only option that allows them to equip their business on acceptable terms. It is difficult for a beginning entrepreneur to take out a loan for expensive equipment, and leasing companies are more loyal to this group of clients.
It will be difficult to buy equipment on lease without a down payment, but finding an offer with a minimum advance is quite possible. At the same time, small businesses can purchase used equipment on lease.
To complete a transaction, an individual entrepreneur must provide the following package of papers:
- Extract from the Unified State Register of Individual Entrepreneurs.
- Financial statements for a certain period.
- Certificate of absence of debt on tax payments and loans.
As for the immediate requirements for individual entrepreneurs, they are as follows:
- The period of official activity is 6 - 12 months.
- Positive credit history.
- An income level that allows you to make monthly contributions without compromising your business.
- Availability of all certificates and permits (if required by the type of activity).
Once all the requirements of the contract are met, the entrepreneur will be able to become the owner of the equipment if desired.
Equipment leasing for individuals
Basically, a product such as leasing is in demand among entrepreneurs. Not all leasing companies are ready to cooperate with ordinary citizens. There is a high risk that a person is conducting illegal business activities, and this fact is fraught with problems with the law even for the leasing company.
But there are organizations that are ready to enter into an agreement with a private individual. In this case, you will need to contribute at least 5% of the cost of the equipment and provide all evidence of solvency.
Benefits from purchasing equipment on lease
Leasing helps solve company problems associated with expansion and modernization necessary equipment. Therefore, let’s figure out what benefits the company will receive by signing a leasing agreement:
- Opportunity to buy expensive equipment without extra costs.
- Simplified rules for completing a transaction.
- There is no need to provide additional collateral for the transaction.
- The tax base is reduced when calculating income tax.
- The equipment can be used immediately after purchase and installation.
At the same time, the equipment remains on the balance sheet of the lessor, which significantly reduces the tax burden of the recipient.
Equipment leasing for legal entities is an opportunity to expand production capacity and business potential without withdrawing significant amounts of funds from circulation. Such an offer will be beneficial not only for small businesses that do not have sufficient reserves of funds in their accounts, but also for large enterprises that have the opportunity to use saved assets for other purposes.
We work with both domestic and imported manufacturers and provide favorable conditions by term, volume of financing and rate of increase in price. For small, medium and large businesses, our specialists formulate individual proposals that take into account the specifics of the activity, the nature of the order and the client’s capabilities. We offer to lease medical, oil and gas, metallurgical, woodworking, food and any other equipment.
We work with equipment costing from 1 million rubles.
Advantages of supplying equipment under a leasing agreement
Equipment leasing from Interleasing Group provides our clients with the following advantages:
- various programs allowing you to choose the most attractive conditions;
- minimum package of required documents;
- short terms for consideration of the application - preliminary decision from 1 hour, consideration and approval from 1 day;
- the duration of the leasing agreement is from 12 months;
- various payment schedules and amounts;
- advance payment from 0%;
- provision of leasing services in all regions of Russia;
- more than 18 years of successful activity.
We work with more than 1,500 suppliers and during our work we have concluded over 8,000 leasing transactions for more than 2000 clients.
Interleasing offers its clients attractive conditions - the prices of our services are lower than market prices, overpayments are minimal or completely absent.
How to lease equipment?
To maximize the convenience of our clients and reduce the time spent on concluding a transaction, we adhere to a certain procedure:
- Select the supplier, the required equipment and its cost.
- Leave your application using the form on the website to receive a preliminary decision.
- Our company’s specialists will create an individual offer and financing conditions for you and agree on the decision with you.
- Conclude an official agreement for leasing equipment from the Interleasing Group of Companies.
- Get and start using the necessary equipment.
If you need individual advice or have any questions, you can contact our managers for help. To do this, simply request a call back or leave your request using the form feedback. We will respond to you as soon as possible.
You can also obtain detailed information about the conditions of current leasing programs, a list of suppliers and manufacturers with whom Interleasing Group of Companies works, from our specialists.
An extremely common situation in the domestic economy is when an enterprise wants to purchase new production equipment for its business needs, but does not have enough funds. At the same time, the possibility of obtaining a loan becomes more difficult if the purchased equipment significantly exceeds the amount of available own funds. In this case in an efficient way there will be a solution to the problem purchase of equipment on lease.
Now many manufacturers industrial equipment faced the problem of insufficient funds from enterprises to purchase it, and therefore they began to actively offer it for leasing. In essence, leasing is a form of long-term rental of equipment in which the lessee has the option to purchase the equipment upon expiration of the lease term specified in the leasing agreement.
Purchasing equipment through leasing is, first of all, a quick solution to the problem of expanding and modernizing the production base, increasing labor productivity and improving product quality. Naturally, all these points will ultimately have a positive impact on the financial results of the enterprise - they will lead to an increase in profits and an increase in the level of profitability.
The option of purchasing equipment on lease is very attractive for enterprises for a number of reasons.
Firstly, the cost of the purchased equipment is not limited to the size of the assets or own funds of the enterprise, since the equipment itself will act as collateral and a guarantee of repayment for the bank or leasing company. In this case, the foundation of success for an enterprise is the quality of development of a business plan for the use of leasing equipment.
Secondly, equipment purchased under lease often remains on the lessor’s balance sheet, which does not in any way affect the structure of assets and liabilities of the recipient’s company and does not reduce its creditworthiness. In this case, the enterprise retains the ability to attract, say, short-term financing for its operational needs.
The procedure for acquiring equipment on lease is carried out in several stages.
First of all, a potential buyer contacts the equipment supplier and agrees on all the commercial terms of the transaction. Next, he contacts the leasing company (bank) and provides the necessary package of documents (on equipment, on the enterprise itself, financial and legal documents). Bank or leasing company analyze the feasibility of financing a specific transaction and, if a positive decision is made, sign the leasing agreement and related agreements, if necessary. Next, the buyer of the equipment makes an advance payment to the lessor’s account (can be 20-30% of the cost of the leased item), who, in turn, pays the cost of the equipment to the supplier (seller). After this, the equipment is transferred to the lessee, who in turn makes lease payments to the bank or leasing company.
Leasing is an effective financial and investment tool for production development. With its help, a company can modernize fixed assets and purchase the necessary property.
The subject of leasing can be cars, production, agricultural and other equipment, etc. It is not allowed to execute a transaction on land plots, natural objects, property complexes or individual divisions of enterprises.
Conditions for obtaining equipment on lease by a legal entity
According to Federal Law“On financial lease”, the lessee can be a legal entity or individual. This means that a deal can be concluded not only by companies, but also by citizens, regardless of the place of registration, taxation system, form of ownership and other characteristics. Let's figure it out, is this really so?
The most privileged lessees are serious corporations. Many leasing companies are ready to finance transactions for them, providing favorable conditions: long terms and low interest rates.
But such companies are in no hurry to offer favorable conditions for representatives of modest businesses. The conditions can be very unfavorable; this is a kind of “risk payment”. Leasing companies consider large lessees reliable, but they do not want to get involved with small ones. Although this is not disclosed anywhere, the cost of services directly depends on the size of the lessee’s business. You can even get rejected. Mostly, newly registered companies that do not have property or do not operate financial statements. Refusal can also be caused by losses, lack of revenue, growth of accounts payable and other financial troubles.
| Other ways to finance a business | |
|---|---|
Required leasing documents
- Constituent and registration documents (charter, state registration certificate, EDRPOU certificate, VAT payer certificate, Form No. 4-OPP), necessary licenses, permits, patents and other permitting documents that indicate legal activity.
- Orders, protocols and other documents on the appointment of the head of the company and the chief accountant, sample signatures and seal impressions, a copy of the manager’s passport.
- Certificates from banks where there are debts.
- Certificates from banks servicing this company about monthly turnover of funds and credit accounts for the last year.
- Quarterly financial statements over the past two years.
- Tax reporting: profit declaration and VAT for the last reporting period and for a year.
- A feasibility study or business plan for a project, which indicates information: market segment, information on receipts of funds into accounts, taxes, fees and other obligatory payments, the essence and effectiveness of the project, the amount of gross and net profit, payback and other economic information.
Important! All registration and financial documents, reporting of the enterprise are provided in the form of certified copies with a seal and signature.
When and why are additional documents required?
If the lessee is an individual entrepreneur or a company uses the simplified tax system/UTII, you must submit documents confirming the performance indicators (declaration under the simplified tax system or UTII, book of income and expenses).
The lessor may also request a breakdown of accounts payable, information about the main counterparties, an audit report and other information. A business plan for the project is optionally provided.
Financial documents are required for assessment financial condition the lessee, whether he will be able to make payments on time. Also assessed equity, revenue, turnover and other financial indicators. This applies to small projects. To conclude major transactions, the lessor conducts an in-depth analysis of the financial situation and necessarily requires the provision of a business plan.
The lessee makes an application, where he indicates information about the property, supplier, contract parameters, features of the activity, etc. Keep in mind that each leasing company independently determines the list of papers required to obtain property. This mainly depends on the specifics of the activity and the associated risks.
Main results of leasing
Saving on taxes
Payments that are paid by a legal entity under a contract are taken into account as production costs. In this regard, the amount of income tax is reduced. Until the ownership rights are transferred to the lessee, property taxes are paid by the lessor. Thanks to this, the company saves a certain amount of money.
Saving working capital
Due to the reduction in the volume of working capital, profitability and profitability indicators are reduced. If you spend money on the purchase of expensive equipment, in the long term this can lead to unprofitable activities of the company. Leasing has a positive effect on the state of the company, since there is no withdrawal of working capital.
Development of enterprise activities
Thanks to the acquisition of new equipment, the business is developing successfully. In addition, unlike lending, leasing is possible in any financial situation lessee. This is due to the fact that the second option ensures the flow of income.
Reduced processing costs
If you buy property, vehicles or equipment, you need to register it. In the case of a leasing agreement, the lessor handles all the paperwork, which saves time and money.