Leasing vs. Buying – Corporate Finance
An issue that needs to be considered right at the beginning of any decision to purchase assets is whether to buy or lease them. If you decide to buy, then also consider use of debt to finance the purchase.

Ideally, businesses should only buy appreciating assets and lease depreciating ones. Buying is best if you will be able to make use of the asset for longer than what the ‘rental’ period would cover. However, if buying the asset would deplete the company’s cashflow, then buying becomes unattractive.
Further, if cashflow is not adequate and working capital is critical, then financing the asset purchase using debt must be considered.
Asset finance can be considerably complex and any mistakes made in choice of available options can cost the company in terms of profitability as well as balance sheet strength.
The most important forms of asset finance are:
· Installment sale – (also know as Hire Purchase), refers to a credit agreement in terms of which goods are sold by the bank to a customer over a negotiated period of time, agreed interest rate and installments of periodical payments. Ownership of the goods or assets pass to the customer after payment of last installment (suitable for M/Vehicles, Furniture & Fittings and Equipment)
· Rental – (Operating Lease), provides the customer with uninterrupted use of an asset, rather than ownership (suitable for computer equipment, photocopiers and fax machines, generally assets which are replaced on a regular basis)
· Finance Lease – Like with Operating Lease, provides the customer with uninterrupted use of an asset, rather than ownership. The customer has the option to take ownership or return the asset to the bank at the end of the period. Difference compared to Rental mostly lie in the treatment of VAT (balloon and stepped up payments can be arranged to suit customer company cashflow.)

More in this category: IABC Operating Timelines Amid Safety Concerns | IABC Group » Business Rescue – Changing the Landscape of Business Advising in South Africa » Salary payment still best option for business owners » Sars’ revenue collection increases by 6.3% y/y, but misses Treasury target – This Could Only Mean One Thing for Tax Payers » Impact of the Vat Change Effective 01 April 2018 on Transactions » Value Added Tax (VAT) from 14% to 15%, effective 01 April 2018 » Job disruption is coming to accounting too » » HIGH LEVEL SUMMARY OF PERSONAL TAX CHANGES ARISING FROM THE 2018/19 BUDGET SUBMISSION » IABC – NOW A GOLD LEVEL SAGE RE-SELLER FOR SAGE PRODUCTS » How Compliant is your VAT Administration? » 2012 Tax Season is Open » Regulation Of Tax Practitioners » Softline Pastel Accounting & Payroll » IABC – Now an Accredited Pastel Evolution Business Partner and Approved Training Centre (“ATC”) » IABC – APPROVED TRAINING PARTNER » the dti RECOMMENDS 01 MAY 2011 AS IMPLEMENTATION DATE FOR THE NEW COMPANIES ACT » Tax compliance, obstacles encountered by small and medium enterprises in South Africa » Audit vs. Independent Review for Companies » POTENTIAL RISKS WHEN BUYING A BUSINESS – BUSINESS DEVELOPMENT » Security around VAT Registrations and administration – Taxation » ENTERPRISE RISK MANAGEMENT » 2011 Message from the MC » SEVERE NON-COMPLIANCE PENALTIES – (Taxation) » Importance of Sound and Effective Business and Financial Controls – Enterprise Risk Management » OUTSOURCING – Business Management » Financial and Other Economic Indicators »
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  35. Leasing Computers Blog - 2012-01-05 10:26 Quote

    If I lease out a computer to a company for one year, they purchase software on the computer, and then return the item back to me, would the software be registered under the company that rented the equipment or me? Specifically, if the software in question is licensed to the corporation?

    Also, what about program updates? What types of programs would the leasing company be able to put on the equipment? What kinds of alterations could be made?

    Both companies do business in California.

    Exam Help Please!!!!!!!!

    ok value of computer equipment deprecate rapidly. a solution to this is leasing the computers are there any other options apart from buying the computers
    |I work for a start-up company that is opening up distributors/retailers across the US and we need to provide them with computer equipment. The company would like to ‘team-up’ with a computer leasing company that will lease equip to all of our locations. The location is not important since they will be shipping the equip, but they must be able to service every state in the country.
    |I am able to find leasing companies that will work with me if I owned a business, however I am looking for one that will give me a lease so that I can get my own computer.
    |What are the feature for leasing [computers and etc] and how you demonstrate it?
    I can’t think of how to demonstrate some of these key features.
    For example, how would you demonstrate that leasing save your money and have better cashflow for your business.
    |One morning, the computers at U.S. Leasing became sluggish. Computer operators were relieved when a software troubleshooter from IBM called several hours later. They were more than happy to let the troubleshooter help them correct the problem. The troubleshooter asked for a phone number for the computers as well as a logon number and password.
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    Answer the following questions:

    What are the possible system weaknesses at U.S. Leasing that allowed the imposter to penetrate its internal security system?
    What techniques might the imposter have employed to breach U.S. Leasing’s network?
    How can U.S. Leasing avoid these types of incidents in the future?
    |i really need a gaming one and dont wana pay a chunk at once. so is there a place in toronto that leases/rent comps?
    ||I see allot of refurbished/off lease desktops for sale on the web. Are they any good for the usual home use ? Storing pictures,listening to music,web browsing.


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