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| Considering investing in software or equipment? We can help you do that while preserving existing cash and credit. | |
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Why choose KMC? |
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Questions about proposals |
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Is leasing right for you? |
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Choosing a leasing partner |
| No matter if leasing is a new concept to you, or something that you are very familiar with, here are some resources for you to use. | |
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Lease vs. Buy |
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Sample Proposal Page |
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Leasing 101 & 201 |
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Payment Estimator |
Most of our customers have used a variety of options to acquire needed equipment and software. Following is a comparison of various options to consider.
| Financial Impacts | Cash Purchase | Loan | Lease |
|---|---|---|---|
| Capital Requirements | High 100% of costs. Drains operating and reserve capital. |
Moderate Down payment averages 25 to 35% of amount of loan. |
Minimal As little as one or two months advanced payments. |
| Existing Credit Lines | Decreased Liquidity Increased cost of operating capital. |
Lower Credit Lines Resulting in less flexibility for short term credit needs. |
No Negative Impact Represents an additional credit reference. |
| Payments | None Entire cost is up front. |
Variable May shift with the changes in interest rate. |
Fixed Locked in by the terms of the lease agreement. |
| Taxation | Partially Deductible Only the cost of depreciation is deductible. |
Partially Deductible Only the cost of depreciation is deductible. |
100% Deductible In some cases leases are considered as operating expense. |
* Lost interest on capitol.
Most choose leasing for convenience and to preserve available cash and credit.
KMC promises straight answers and prompt action to make it all very simple.
KMC Leasing is not a tax advisor. Please contact your tax advisor regarding the
deductibility of leasing before you make any tax related financing decisions.
