|Back to Business
If your business plans include new equipment, leasing through Heller provides an
additional source of financing and preserves your bank line of credit for other
profit-generating activities. Unlike a bank loan, leasing provides 100% financing and
requires no down payment. In addition to hardware, the lease agreement also can cover
software, training, freight and installation costs.
Heller lease payments, unlike bank loans, are generally tax-deductible. In fact,
under current tax laws, some previous advantages of owning equipment are becoming less
attractive when compared to the overall benefits of leasing. You should discuss these
benefits with an accountant or tax advisor.
Total Solution Financing
Bank loans traditionally only cover the acquisition of computer hardware, which
are tangible assets. But, computer systems encompass more than just hardware. Leasing
provides total solution financing for your computer system needs. It enables you to
wrap both hard costs and soft costs software, training, freight and installation
into one monthly lease payment for added convenience and flexibility.
Overcome Budget Limitations
Do you need to stretch your budget dollars further? Lease payments can be lower
than purchase installments, helping accomplish this goal. In fact, many companies find
they can acquire more equipment through leasing, rather than paying cash. Compatible
peripherals, software, installation, training, service and other costs can also be
included in your lease agreement.
Many companies have unique cash flow requirements. If you are among them,
leasing through Heller offers the opportunity to develop a specific payment structure that
meets your unique needs. For example, you may want financing that will not affect your
balance sheet. In this instance, our operating lease, featuring off-balance sheet
financing may work best, since it keeps your balance sheet clean and key business ratios
Easy financing involves completion of our one-page lease application. For your
convenience, credit decisions on transactions up to $35,000 are generally made in one
business hour. And once the lease is approved, simplified lease documents are quickly
Are you concerned that your computer or office automation equipment might become
obsolete too soon? Leasing helps you manage the risk of technology becoming outdated. When
equipment is leased, it is easy to add on to or upgrade the equipment at any point during
the lease term, thereby maximizing your company's productivity.