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Prepared for: Pat Misasi, Scalar Decisions, e: pat.misasi@scalar.ca | o: 416.202.0005 | m: 416.904.1926
Prepared by: Karen (Karine) Frendjian, Questor Financial e: kfrendjian@questorinancial.com o: 905-695-0955 x242 1-800-367-9793 x242
Questor Financial Corp. 675 Cochrane Drive, East Tower, 6th Floor, Markham, Ontario L3R 0B8 Questorfinancial.com
THE POWER OF LEASING
Conserve Cash. Leasing allows you to
conserve cash and leverage up the buying
power of your operating or capital budgets.
100% Financing. No pre-payment of taxes.
Leasing typically covers the entire cost of your
equipment order, including services such as
warranty, software, installation or shipping and
taxes are paid on your monthly lease rental.
Preserve Lines of Credit. Valuable cash and
lines of credit are preserved to grow your
business and payments can be tailored to suit
your budget.
Potential Income Tax Benefits. In many
instances, leasing provides income tax benefits.
Simple, Convenient Process. The leasing
process is quick and convenient, leaving you to
stay focused on running your business and you
get the equipment you need, when you need it.
Easy. Almost any equipment a business needs
to grow is a leasable asset.
More Choice. Do more with your budget.
With a lease, you can specify the manufacturer,
the model, and the equipment vendor. You are
covered by all conventional manufacturers’
warranties. Because lease payments are
usually lower than other forms of financing, your
leasing dollar allows you to acquire more of the
equipment your business needs.
Keep your equipment up-to-date. When you
lease, you are never tied to outdated
machinery, equipment, or software. You have
complete flexibility in end-of-lease options: You
can purchase it, refinance it, or simply return it.
Your choice.
COMMON QUESTIONS
How will leasing affect my company’s cash
flow? In a word, positively. That is because
leasing usually offers lower monthly payments
than other financing sources. Those lower
payments can help you bring revenues and
expenses into closer alignment and improve
your budgeting process.
How are lease payments structured? There’s
considerable flexibility in payment
arrangements. Payments may be made
monthly, quarterly, or at irregular intervals.
Terms range from 12 to 66 months and can be
customized to suit your company’s needs.
What are my End of Lease options? Can I
lease-to-own? Yes, leases can be structured to
suit your objectives with either a guaranteed
purchase option (usually 10%-20% of
equipment value) or a $10 bargain option. Fair
Market Value leases
are also available
where you can
choose whether to
purchase the
equipment or simply
return it at end of
lease.
Can I include services such as consulting
and training in my lease? Yes, subject to
credit approval.
Can I get a lease if my company is a “start-
up?” Yes, we can finance companies that have
been in business for less than three years. New
businesses are approved at slightly higher rates
and/or structured because the company risk
investment is higher than a more established
company.