Take equipment on lease for legal entities. The main results of leasing. Delivery time and terms of payment for equipment purchased on lease

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 get the opportunity to use the saved assets for other purposes.
We work with both domestic and foreign manufacturers and provide favorable conditions in terms of terms, funding volumes and the appreciation rate. For small, medium and large businesses, our specialists form individual offers that take into account the specifics of the activity, the nature of the order and the client's capabilities. We offer leasing equipment for medical, oil and gas, metallurgy, woodworking, food processing and any other.

We work with equipment costing from 1 million rubles.

Advantages of supplying equipment under a leasing agreement

Equipment leasing from Interleasing Group of Companies provides our customers with the following benefits:

• various programs that allow you to choose the most attractive conditions;
• the minimum package of required documents;
• Short terms of consideration of the application - a preliminary decision from 1 hour, consideration and approval from 1 day;
• the term of the leasing agreement is from 12 months;
• various schedules and amounts of payments;
• 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 2,000 clients.

Interleasing offers its clients attractive conditions - the prices of our services are lower than market prices, the overpayment is 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 work procedure:

1. Select the supplier, the required equipment and its cost.
2. Leave your application through the form on the site to get a preliminary decision.
3. The specialists of our company will form an individual offer and financing conditions for you and agree on the decision with you.
4. Conclude an official agreement on equipment leasing from Interleasing Group.
5. Get and start using the necessary equipment.

If you need an individual consultation and have any questions, you can contact our managers for help. To do this, simply order a call back or leave your message through the feedback form. We will answer you as soon as possible.

You can also get detailed information about the conditions of current leasing programs, a list of suppliers and manufacturers with which Interleasing Group works, from our specialists.

An extremely common situation in the domestic economy is when an enterprise wants to purchase new production equipment for its economic needs, while not having 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, an effective way to solve the problem would be purchase of equipment on lease.

Now many manufacturers of industrial equipment are faced with the problem of insufficient funds from enterprises to purchase it, and therefore they began to actively offer it on lease. In essence, leasing is a form of long-term lease of equipment, in which the lessee has the opportunity to buy this equipment after the expiration of the lease term specified in the lease agreement.

Purchasing equipment under leasing is, first of all, a prompt solution to the problem of expanding and modernizing the production base, increasing labor productivity and improving product quality. Naturally, all these moments will ultimately have a positive impact on the financial performance 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 by the amount of assets or own funds of the enterprise, since the equipment itself will act as a pledge and guarantee of repayment for a bank or leasing company. In this case, the foundation of success for the enterprise is the quality of the development of a business plan for the use of leasing equipment.
Secondly, the equipment acquired under leasing often remains on the balance sheet of the lessor, which does not affect the structure of the 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 implemented in several stages.
First of all, the potential buyer addresses the equipment supplier and agrees on all commercial terms of the transaction. Then he turns to the leasing company (bank) and provides the necessary package of documents (for equipment, for the enterprise itself, financial and legal documents). The bank or leasing company analyzes the feasibility of financing a particular transaction and, if a positive decision is made, sign a leasing agreement and related agreements, if necessary. Further, the buyer of the equipment makes an advance payment to the account of the lessor (may be 20-30% of the value of the leased asset), which, in turn, pays the cost of the equipment to the supplier (seller). After that, the transfer of equipment takes place in favor of the lessee, who, in turn, makes lease payments in favor of the bank or leasing company.

Equipment leasing for small businesses - the ability to use equipment or machinery with the right to buy it back in the future. The entrepreneur chooses the equipment he needs, and the lessor pays from 70 to 90% of the cost. The entrepreneur pays the missing amount from his own funds and receives equipment on a long-term lease.

Gradually, he redeems this property and it becomes his property. If the acquisition is not included in the plans, after the expiration of the lease agreement, the equipment will have to be returned to the leasing company.

Leasing is an optimal financial mechanism that differs from a loan agreement or a lease agreement.

At first, a novice entrepreneur does not have enough funds to purchase equipment. The use of leasing allows you to use high-tech tools at a low price (monthly payments in accordance with the contract), and use available funds for development.

Characteristics of this form:

• involvement of a third party (supplier);
• the impossibility of terminating the contract during the duration of the main lease (sometimes early termination is possible, but the leasing operation will become more expensive);
• long period of agreement;
• high cost of the object of the transaction.

Operational leasing

In Russia, there is practically no such form. After the expiration of the contract, the equipment is returned to the leasing company. This form of leasing is used for equipment with a high rate of aging. The term of the contract is from 2 to 5 years.

Operative leasing is chosen if:

• the expected income received from working with the equipment will not pay back its initial cost;
• the equipment is used for a short time (during seasonal work);
• the equipment needs maintenance;
• new, not yet tested equipment.

Directions of leasing

Directions are different, leasing companies distinguish:

• commercial real estate;
• equipment;
• special equipment;
• freight transport;
• buses;
• passenger transport.

Leasing of medical equipment

Calculation of the purchase of equipment on lease

When choosing between loans and leasing, entrepreneurs compare the amount of lease payments and the amount of the loan, taking into account interest.

The reduction in tax deductions is not taken into account, although it is an advantage and reduces the cost of servicing a leasing transaction.

The calculator allows you to reliably assess the feasibility of using leasing. With its help, several options are calculated and the most suitable one is selected. You need to enter data in the form:

• currency;
• type of payment (annuity or differentiated);
• cost of equipment;
• the amount of the redemption payment;
• the amount of the down payment;
• the period of the conclusion of the contract.

By taking advantage of small business equipment leasing, an entrepreneur can start a business without start-up capital. Leased equipment works immediately after the conclusion of the contract, it makes a profit and reaches self-sufficiency.

Leasing equipment for small businesses - how to conclude an agreement on favorable terms, you can find out in the following video:

Often, it is a leasing product that becomes the only profitable solution for a small business in deciding whether to purchase a new one in order to develop its business or upgrade old equipment.

For some small business sectors, such a solution can be the main success in the competition in this market segment.

What it is

Leasing is a financial instrument that has actually recently become known in the Russian market. It should be noted that this is a cross between a loan and a lease.

The main persons in such relations are the lessor (a financial company providing services of this kind) and the lessee (legal entity or individual).

All work and relationships are built on contractual obligations. In fact, the lessor, for his own funds or with the involvement of an initial contribution paid by the lessee, buys the necessary equipment from the manufacturer or supplier to his client and gives it to him for use.

At the same time, it distributes payments for a certain period, which is stipulated in the contract.

A distinctive feature of leasing, if we take rent as a comparison, is the final result of such financial relations. At the end, the lessee becomes the full owner of the purchased equipment, but subject to the fulfillment of all obligations to the lessee.

If we take a loan and leasing as a comparison, then the latter has more loyal conditions, under which the client of a financial company has the opportunity to choose the most convenient payment system (decreasing, quarterly or seasonal).

How to issue

You can arrange leasing today on the territory of the Russian Federation:

1. In banking structures that practice such a product in their work.
2. Specialized financial institutions whose activities are aimed only at working with such programs. Many of them have well-established relationships with suppliers or they themselves have the necessary goods, for which they provide their leasing products.
3. Directly with equipment suppliers who work on leasing terms and provide their product to small businesses.

Today, a lot of such organizations appear on the market, which indicates their competitive struggle. And this, in turn, affects the mitigation of conditions, therefore, before starting registration, it is recommended to study in detail the proposals of the entire market and choose the most optimal and acceptable option for yourself.

In order to arrange a lease, you must contact the selected organization. It provides you with which you need to fill out and indicate all the information required in it.

Often, such appeal documents also have a small questionnaire about the conditions that a potential client applies for. It is also important to prepare all the necessary documents.

The application is processed by the lessor within a few days. This period may differ for each company. But in most cases, financial companies focus on reducing the time for consideration and making their decision. During this period, they study the activities and financial side of a potential client.

Where to buy equipment for small business on lease?

There are quite a lot of companies on the leasing market today that provide special programs for cooperation with small businesses. Many lessors today are subsidiaries of fairly large banking organizations or giant joint-stock companies that have a large financial flow.

Among these organizations are:

• VTBLeasing;
• UralSib;
• NomosLeasing.

Consider some of the features and conditions for registering a leasing product, depending on who the lessor is:

Among all representatives of the financial market, you can also find companies that fight for each client and carry out registration as soon as possible, soften the conditions both for the client and for registration.

Conditions

Equipment leasing for small businesses is issued under certain conditions, which each organization interprets in its own way, but at the same time relies on the average statistics for similar products in the Russian market.

The main criteria that are taken into account by small businesses when looking for partners, and its average indicators will be as follows:

• advance payment (10% of the amount of equipment);
• terms of granting the leasing contract (3 years);
• rise in price (about 4% per year).

In many ways, these data may vary depending on what kind of equipment is purchased and in what area it is used.

So, let's consider an example that clearly demonstrates changes in the main indicators of conditions depending on this factor:

Video: Lego brick machine

Required documents

In order to apply for a lease, you must fill out an application and submit a package of documents.

For a small business, this would be:

• a copy of the charter of the enterprise;
• registration certificates stating that the potential legal entity is officially registered and registered with the tax authorities;
• a copy of the order on the appointment of the head;
• his passport data (copy);
• financial statements for the last reporting period;
• bank statement on the movement of the account.

Requirements for the lessee

Often the basic requirements for a small business are the same as for any legal entity.

Consider them in the table:

To equipment

For equipment, the main requirement or, rather, the limitation put forward by leasing companies will be its cost. The table provides the average statistical amounts provided by financial institutions for the purchase of a product, depending on its purpose and scope of use.

That is, registration is carried out for equipment, the cost of which will not exceed the specified figure.:

If you take a good look at all the offers, you can find programs that offer financing for more expensive equipment, but be aware that some conditions may be more stringent, in particular payment terms.

Timing

On average, the period for which the possibility of leasing equipment for a small business is up to 7 years. This figure may be 5 years. Not issued for less than 12 months.

If the subject of leasing relations is quite expensive, then financial companies can increase the repayment period up to 10, and some - up to 12 years. But here we are talking about amounts above 25 million rubles, and the terms are negotiated directly individually, taking into account many factors in the activities of a small entrepreneur.

Make a deal

The first and important step in concluding a leasing transaction is the preparation and signing of the contract.

It should be understood that the whole procedure, especially when it is carried out by financial organizations, consists of two contracts:

• between the supplier and the lessor;
• between the financial institution and the lessee.

But for a client of a financial company, the first part of the leasing relationship is not a key one, since he does not take documentary participation in it. The contract, which is concluded between the lessor and the lessee, is the main one for small businesses.

It indicates the subject of the transaction, all the nuances, obligations of both parties, possible force majeure circumstances and conditions for early termination. Here is an example.

The contract is an important document that the lessor should carefully study before signing.

Advantages and disadvantages

Of course, leasing, like any financial transaction, has its positive and negative sides. But at the same time, it should be noted that there are much more pluses in such programs than minuses.

Consider the main positive aspects:

• the opportunity to take the necessary equipment for use with a minimum initial contribution;
• after fulfilling all the requirements of the contract, the equipment remains for use by the lessee as the owner;
• the ability to legally save on the payment of certain taxes;
• there is no need to search for collateral, since the object of leasing relations itself acts as collateral.

If we talk about the negative aspects, then first of all, experts note the fact that when registering a lease, the object of such relations cannot be used as collateral in other financial transactions.

In addition, if a small business does not have the necessary amount to make an advance payment, then leasing becomes almost impossible.

Leasing today is a developing branch of financial relationships. Therefore, it is very important to familiarize yourself with the market for such services before drawing up a contract. In the fight for customers, many lessors offer very attractive products.

Leasing of production equipment is becoming more and more widespread in our country. Even despite the fact that the essence of the whole operation is reduced to a financial lease. That is, until the equipment is fully purchased from the leasing company, it will belong to it.

Definition

What is called leasing? This is a certain community of economic, as well as legal relations, where the transfer of the selected object to a financial long-term lease with a possible redemption or return to the lessor takes place.

In other words, the enterprise can take the necessary equipment on a financial lease and use it. At the same time, the organization will receive the right of ownership only when it fully redeems this property.

The contract is concluded with the presence of several parties. This is mainly the buyer, end user, insurance company and supplier.

The buyer is any leasing company or bank that purchases equipment at its own expense, which will be further operated by the end user in accordance with the contract.

An end user is an enterprise that enters into a leasing agreement with a bank or leasing company for the financial lease of this or that equipment for a certain fee. Ultimately, he can either buy the equipment back or return it to the buyer.

The supplier is a company that delivers the ordered equipment to the buyer on the basis of a sales contract.

The insurance company, in turn, provides its services to the parties to the transaction.

Classification

Given the legal aspects of the issue of leasing, it has a large number of types and forms. Consider the main ones that are most often found in the economic market.

Video: Advantages and disadvantages

Kinds

Leasing of production equipment today is offered by many leasing companies and financial institutions. Most of them "take" clients with special conditions in the form of good discounts, low interest rates, accelerated depreciation, etc.

But each founder must remember that a leasing agreement can only be concluded if the company has been on the market for at least a year, and its revenue is several times greater than payments under the leasing agreement.

By type of equipment

Loko-Bank provides its clients with various types of guarantees for the implementation of agreements, including state and municipal ones. Read article.

Learn about a bank guarantee from Raiffeisenbank,.

What is more profitable

It is quite reasonable if the owners of enterprises have a question, what is more profitable a loan or leasing of production equipment?

Consider the primary benefit of the second:

• A more simplified process of processing a transaction, including the collection and provision of documents (there are much fewer of them than when applying for a loan);
• It is almost impossible for a company that does not have a credit history to get a loan. But for a leasing organization, it will be enough to provide a good business project;
• A leasing deal is more profitable than a credit deal. In this case, the first can be concluded for a longer period;
• When concluding a leasing agreement, the equipment remains on the balance sheet of the leasing company, which eases the tax burden of the lessee. And the loan not only forces the company to pay taxes, but also does not provide an opportunity to receive additional investment;
• Opportunity to purchase the necessary equipment with state support. This means that a certain percentage of the upfront payment for the end user is paid by the state, which significantly reduces the initial costs.

Documentation

In order to conclude a leasing agreement, it is necessary to collect and present the following package of documents:

• from a company representative with all fields filled in;
• A copy of the charter of the organization with all changes;
• Copies of documents confirming the registration of the organization with the tax authorities;
• Document on the appointment of the head of the position;
• Passport data of the head of the company;
• Financial statements for the previous reporting period;
• Bank statement for the last year.

All documents must be certified by the signature of the head and the seal of the organization.

Requirements for the lessee

The basic requirements that all companies must meet include the following:

1. The company must be on the financial market for at least a year;
2. An organization concluding a leasing agreement must be a resident of the Russian Federation;
3. The enterprise must be registered as a legal entity or as an individual entrepreneur;
4. Organizations leasing equipment should be prepared for the monetary limit. In other words, the execution of the contract is possible from 10 million rubles;
5. The amount of the down payment cannot be less than 10% of the total cost.

Advantages and disadvantages

Financial lease, helping to solve the problems of enterprises, has both positive and negative sides.

Benefits of concluding a leasing agreement:

1. A finance lease does not require the full investment of monetary assets. For legal organizations, this is a good opportunity to purchase expensive equipment to attract cash flow to the company without extra expenses;
2. The presence of simplified rules for obtaining leasing, unlike a loan. Production equipment acts as collateral at the conclusion of the contract, so the organization does not need to provide additional security;
3. The presence of various forms of security reduces the level of risk for the enterprise, while its assets may not be affected;
4. Significant reduction in the taxable base when calculating income tax;
5. The received equipment is put into operation immediately after purchase and installation.

Characteristic disadvantages:

1. The only expense can be the cash payments of the down payment, which are the costs of this period, in the amount of up to 25% of the total amount;
2. From the point of view of jurisprudence, a leasing transaction is a rather complicated procedure. This applies to the process of paperwork and further payments, especially if the end user wants to repay the debt to the leasing company ahead of schedule;
3. Monthly leasing payments can significantly hit the organization's pocket, since the equipment itself costs a lot of money;

The head of the organization must weigh all the pros and cons before leasing. And most importantly, determine the financial stability of your company.