Leasing is a financial arrangement where one party, the lessor, owns an asset and allows another party, the lessee, to use the asset in exchange for periodic payments over a specified period
Leasing offers businesses and individuals flexibility in acquiring assets without the upfront cost of purchasing them outright. It also provides tax benefits, preserves capital, and allows for easier equipment upgrades or replacements
Easier Budgeting
Lease payments are typically fixed and predictable, making budgeting and financial planning more straightforward for businesses. Unlike variable costs associated with asset ownership, such as maintenance, repairs, and depreciation, lease payments remain stable throughout the lease term
Access to High-Value Assets
Leasing provides businesses with access to high-value assets that may be otherwise unaffordable upfront. By spreading the cost of the asset over the lease term, businesses can acquire equipment or technology that enhances productivity, competitiveness, and operational efficiency
Faster Acquisition and Implementation
Leasing often involves a streamlined approval process compared to traditional financing or purchasing arrangements. With fewer administrative hurdles and less stringent credit requirements, businesses can quickly acquire the assets they need and put them to use without delay
Key Benefits
Preservation of Capital
Leasing allows businesses to conserve their capital for other essential expenses such as operational costs, expansion initiatives, or emergency funds. Since leasing typically requires lower upfront payments compared to purchasing, it helps avoid large cash outlays that may strain liquidity
Flexibility and Upgradability
Leasing provides flexibility in adapting to changing business needs. Businesses can lease assets for specific periods, enabling them to upgrade to newer or more advanced equipment at the end of the lease term
Tax Advantages
Depending on the jurisdiction and the type of lease, leasing may offer tax benefits for businesses. Lease payments are often considered operating expenses and may be deductible from taxable income. Additionally, leased assets may not appear on the lessee's balance sheet, potentially improving financial ratios and creditworthiness
Risk Mitigation
Leasing can help mitigate certain risks associated with asset ownership. For instance, leasing transfers maintenance and repair responsibilities to the lessor, reducing the lessee's exposure to unexpected costs due to equipment breakdowns or obsolescence
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Required Documents
1/ Passport of the borrower;
2/ Spouse's passport - if available;
3/ Passport of the guarantor;
4/ Passport of the guarantor's spouse - if available;
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