Acquisition of equipment on lease. Production equipment for leasing

In the article we will consider how to buy equipment on lease. Find out what interest rates are provided for legal entities and individual entrepreneurs, as well as figure out how to calculate payments on the calculator. We prepared possible conditions contracts for various types of equipment and collected feedback from clients of leasing companies.

TOP-8 companies where you can buy equipment on lease

MKB Leasing

from 15% advance

• Leasing of cars, trucks and passenger cars;
• Leasing of special machinery and equipment;
• Rolling stock leasing;
• Leasing of air, river and sea vessels;
• Real estate leasing;
• Return lease.

Conditions for the purchase of equipment on lease

Purchasing equipment on lease is a service, the execution of which allows not only to obtain the necessary equipment, but also to redeem it in the future. This type of leasing can be used not only by companies, but also by individuals.

The general conditions for equipment leasing, including the cost of the service, are presented in the table:

Note that the equipment you want to purchase can be leased from both the official representative and the supplier. But most often the contract is tripartite: with the participation of the seller, the lessor and the lessee.

As for the amounts and terms, the amount of financing can be 40,000,000 rubles. In this case, the term of the contract can be extended up to 10-12 years.

The issue of full or partial early repayment in without fail prescribed in the contract. This avoids some negative points.

Note that equipment can be purchased under state programs of preferential leasing. Its members are most often given a discount on advance payment on leasing.

How to buy equipment on lease

So, an important decision has been made, and the equipment will be purchased using leasing. To be successful, there are a few important steps you need to take:

• Finding a lessor. Study the information about what leasing companies are in the city or region of your residence. Consult specialists about the assortment, check whether it is possible to lease the equipment you are interested in. Check out the list of documents that you will need to collect in advance. Carefully analyze the offers of companies, do not immediately agree to the one that came across first.
• We submit an application. Contact the office of the selected company, and if you want to save time, fill out the online application form. To do this, you need to go to the official website of the organization.

• After making a positive decision on the application, you need to sign the contract. Read each paragraph carefully, clarifying any incomprehensible points.
• Make the required advance payment. Sometimes you need to pay extra for the insurance service.
• Get necessary equipment .

Now you can use the equipment for its intended purpose, and later redeem it if necessary.

Leasing calculator

To perform a preliminary calculation of payments, you can use the calculator on the website of the selected company. There is nothing complicated in its use. Consider for example:

You are leasing several machines with a total value of 4,000,000 rubles. The amount of the initial payment is 30% of the cost. The amount of the monthly payment for you will be 72,210 rubles.

Requirements for lessees

Different companies may have slightly different requirements for clients. We will talk about the basic criteria that recipients must meet. So, if the client is an organization:

1. Term official work companies - at least 1 year.
2. The company is a resident of the Russian Federation.
3. Official registration as a legal entity. faces.
4. The activity must be profitable.
5. No arrears on loans and taxes.

If we talk about individuals, then the requirements for them are as follows:

1. Solvency.
2. No negative credit history.
3. Age - from 21 years old.
4. Citizenship of the Russian Federation.
5. Having a permanent job and income.

Important! Regardless of the category of the recipient, it should not be subject to bankruptcy or other legal proceedings.

Application documents

In order for the leasing agreement to be concluded, provide:

1. Completed application form.
2. A photocopy of your company's Articles of Association.
3. Order on appointment to the post of head and Ch. accountant.
4. Financial statements for the previous year.
5. A photocopy of the manager's passport.
6. Balance sheet.
7. Checking account statement.

Individuals provide:

1. Passport of a citizen of the Russian Federation with a registration mark.
2. SNILS.
3. Photocopy of work book.
4. Certificate of income in the form of 2-NDFL or in the form of a company.
5. Questionnaire.

What equipment can be arranged

Equipment leasing different types most attractive to representatives of small, medium and big business. Moreover, it is possible to purchase not only new, but also used equipment. The second option is acceptable for relatively young organizations that do not yet have sufficient capital to replenish the list of fixed assets.

As for the types of equipment, the following can be leased:

• industrial and manufacturing equipment (including woodworking machines and other mechanisms);
• food equipment for cafes and bakeries (including coffee machines for leasing, beer equipment for bottling beer).

In addition, the acquisition of cosmetology and dental equipment on lease is becoming more widespread. For the service sector, leasing is also popular: often this is how laundry and washing equipment are purchased. AND construction companies and organizations engaged in engineering surveys buy expensive geodetic equipment through leasing.

Retail store equipment

Leasing commercial equipment to a large extent allows you to modernize the business. In particular, a purchase is available for an LLC:

• racks;
• counters;
• refrigeration equipment and so on.

The terms of purchase are as follows:

It should be noted that most often a pledge is not required, and partners of leasing companies often offer various discounts and promotions to lessees.

Important! The given tariffs are averaged, individual conditions are negotiated individually, in the process of making a deal.

Car service equipment

In this case, the subject of leasing can be:

• car lifts;
• equipment for diagnostics;
• washing equipment;
• cleaning equipment.

In addition, you can buy tire fitting equipment on lease (not only in Moscow, but also in other cities). On average, the following conditions apply:

Some leasing companies are ready to extend the terms of the contract, and also offer transactions for larger amounts. You can buy equipment of Russian and foreign production, new and used.

Gym equipment

If you are planning to open a fitness club, then the leasing service is an excellent solution for you. Not every entrepreneur can afford to buy sports equipment for cash. Professional sports. Inventory is usually expensive, and it is very difficult to get a loan for it. Therefore, all simulators can be purchased on lease, and at an acceptable interest rate.

Consider the conditions for the purchase of equipment for the gym in leasing:

It must be remembered that the equipment is the property of the leasing company until you buy it back.

Computers for leasing

If you need to buy soon computer equipment for your company, then a deal with a leasing company may well help in this.

On average, the tariffs for the purchase of equipment look like this:

It should be noted that leasing a server and other equipment is not the most popular service in the Russian Federation, although some companies use it very successfully.

Medical equipment for leasing

World practice shows that medical equipment is often purchased on lease. Thus, the material and technical base improves medical institutions the healthcare sector is developing.

Conditions for the acquisition of laboratory and other medical equipment are:

We have given generalized conditions for the purchase of equipment for the medical field in Moscow. Contracts are concluded with each client on individual terms.

Equipment leasing for legal entities

For legal leasing is much more profitable than lending. One of the advantages is that you do not need to provide a business plan to consider the application.

As for the contributions paid, they are taken into account as production costs, which means that the amount of income tax is reduced. Until you become the owner of the equipment, the lessor will pay the property tax.

Equipment can be redeemed ahead of schedule, if such an opportunity is specified in your agreement with the lessor.

Equipment for leasing for individual entrepreneurs

For small businesses, equipment leasing is sometimes the only option with which you can take up the technical equipment of your business on acceptable terms. It is difficult for a novice entrepreneur to get a loan for expensive equipment, and leasing companies are more loyal to this group of customers.

It will be difficult to buy equipment on lease without a down payment, but it is quite possible to find an offer with a minimum advance payment. At the same time, small businesses can purchase used equipment on lease.

To complete a deal individual entrepreneur must provide the following package of papers:

1. Extract from EGRIP.
2. financial statements for a given period.
3. Certificate of absence of debts on tax payments and credits.

As for the direct requirements for IP, they are as follows:

1. The term of official activity is 6-12 months.
2. Positive credit history.
3. An income level that allows you to make monthly contributions without compromising your business.
4. Availability of all certificates and permits (if required by the type of activity).

As soon as all the requirements of the contract are met, if desired, the entrepreneur will be able to become the owner of the equipment.

Equipment leasing for individuals

Basically, such a product as leasing is in demand among entrepreneurs. Not all leasing companies are ready to cooperate with ordinary citizens. There is a high risk that a person conducts illegal entrepreneurial activity, and this fact is fraught with problems with the law already for the leasing company.

But there are organizations that are ready to conclude an agreement with a private person. In this case, you will need to pay at least 5% of the cost of the equipment and provide all evidence of solvency.

Benefits of leasing equipment

Leasing helps solve the company's problems associated with the expansion and modernization of the necessary equipment. Therefore, we will figure out what benefits the company will receive by signing a leasing agreement:

1. Opportunity to buy expensive equipment without extra costs.
2. Simplified transaction rules.
3. There is no need to provide additional collateral for the transaction.
4. The taxable base is reduced when calculating income tax.
5. The equipment can be used immediately after purchase and installation.

At the same time, the equipment remains on the balance sheet of the lessor, which significantly reduces the tax burden of the recipient.

Hello! Today we will talk about equipment leasing. Sometimes it happens that expensive equipment is required. Not every entrepreneur can afford to immediately lay out a large amount for such a purchase. Possible Solution may be the purchase of equipment on lease! How to purchase equipment on lease, what documents to draw up - this article will tell about this.

You can apply for leasing Europlan on favorable terms with state support!

Steps on the way to leasing equipment

Leasing— long-term lease of equipment or machinery with the possibility of subsequent redemption. There is an article in which we wrote, in simple words.

Equipment leasing opens up new horizons for the entrepreneur to develop business, to improve the quality of products or services provided, and, accordingly, to attract new customers. To date, there are many opportunities to purchase various equipment: industrial, commercial, warehouse, processing and much more at a very favorable conditions x, as well as production and commercial premises and transport.

Without equipment, it is difficult to imagine any production, even a small one. The more modern technology production has, the greater the productivity of labor, the higher the quality of products, and the lower its cost.

So, you have decided to increase the possibilities of your business, and the question arose before you: how to lease equipment to a novice entrepreneur? Here are some tips that you will need when choosing a bank or leasing company.

Step 1. Looking for lessors. Get acquainted with information about the types of leasing in your city, about leasing companies and banks providing such a service. Check with managers whether leasing of the equipment you are interested in is possible and under what conditions. You can also find out from them a list of documents necessary for concluding an agreement;

Step 2. Studying their offers. Read all the offers in detail and choose the most suitable for you. Submit an application to the selected company, attach copies of all required documents to it. As a rule, it takes approximately 10 working days for the application to be processed. If the company approves your application, they invite you to sign the contract. It would be better if you first consult with an experienced lawyer who can explain all the clauses of the contract;

Step 3. We conclude an agreement. Then you must pay the advance stipulated in the contract. This payment can be from 10 to 30% of the total amount. In some cases, property insurance will be required. After the contract is signed, all the necessary copies of payment orders are provided to the company, you must deliver the purchased equipment.

Documents for registration of equipment for leasing

In order to purchase equipment on lease, you will have to submit the following documents to the bank or leasing company for approval:

1. Copies of the certificate of state registration, as well as copies constituent documents organizations;
2. For individuals you will need a copy of the passport of a citizen of the Russian Federation, a certificate of tax code;
3. Extract from the Rosreestr of entrepreneurs of legal entities and individuals;
4. Income declarations for the previous five reporting periods;
5. Bank statement on movement Money on all accounts for the previous 12 months;
6. Some companies may require information about existing loans and debts on them.

Equipment leasing agreement - sample, types and parties

The leasing agreement is bilateral and is concluded only for business purposes. This agreement is in written form.

Essential terms of the equipment leasing agreement- information that allows you to determine specifically what equipment is being transmitted ( equipment identification data: name, serial number, model, type, brand, etc.).

When concluding an agreement, on the one hand, Landlord - Lessor and, on the other hand, Tenant - Lessee.

Landlord- a leasing company (lessor), or directly a bank that provides equipment to the tenant on lease.

Tenant- an individual or legal entity (lessee) who leases the object of leasing.

The Lessor acquires the equipment specified by the Lessee from the manufacturer or seller, which is then provided for use and possession under a leasing agreement. The tenant owns and uses the leased property.

Leasing can be of several types, depending on the participants in the transaction:

1. Direct leasing. The owner of the equipment (manufacturer or supplier) leases the object himself. At the same time, the leasing company does not take part in the transaction No.
2. Indirect leasing. The transfer of leasing property takes place with the participation of an intermediary. Such a deal is a classic and very common.
3. Separate leasing. This type of leasing is often used for the acquisition of very large objects (air, sea and railway transport, drilling rigs, etc.) No.
4. Return lease. The owner of the equipment sells his property to a financial institution (bank) with the simultaneous execution of a long-term lease agreement for his former property.

Often involved in the transaction and Insurance Company. The participation of the insurer is optional, but it is better to insure everything possible risks(financial, transport, etc.).

• Download a sample equipment leasing agreement with all related attachments

How to choose a leasing company

The financial benefit of the entire transaction will depend on which company you choose. When choosing a leasing company, you should pay attention to the following points:

1. Learn History financial organization in the financial and investment market;
2. Pay attention to how many transactions the organization has conducted (closed and current transactions);
3. Study the scale of the company (how many branches the company has, what is its staff and their qualifications);
4. Pay close attention to the terms of the lease and compare them with the cost of other companies.

On financial market There are many organizations offering to buy equipment on lease for legal entities. Many of them are subsidiaries of large banks. These organizations offer many options. For example, VTB-24 Bank finances the leasing of domestic and foreign production equipment. On very favorable terms, it provides leasing of medical equipment, for example, ultrasound scanners, tomographs, etc.

Some financial institutions, for example, UralSib Bank, offer programs both with the condition of providing financial reporting organizations, with or without it. These two cases differ significantly in the amount of the minimum advance and the maximum amount of funding.

Transfer of ownership of leased equipment

The most common situations are when an entrepreneur rents equipment from a leasing company. In this case, the company acquires the object of leasing from the seller or supplier, and becomes the owner of the property.

By concluding a lease agreement, the entrepreneur does not acquire ownership of the property, but is only its tenant. Therefore, his rights regarding this equipment are limited.

After the expiration of the lease agreement, the entrepreneur has the opportunity to buy the equipment at the residual value. But that doesn't mean he has to do it. In some cases, when the lease period comes to an end, the entrepreneur returns the equipment to the leasing company. But as a rule, the entrepreneur still buys the equipment from the leasing company and from that moment becomes its full owner. All these nuances are specified in the contract. That is why it is important to carefully analyze all the clauses of the contract you conclude.

There are also options when the lessee can become the owner of the equipment earlier than the expiration date of the contract, but not earlier than one year from the date of receipt of the equipment for use, subject to full payment of all stipulated by the agreement payments.

How is the process of negotiating the terms of leasing

After the entrepreneur has submitted an application to the leasing company and all Required documents, the company is considering the feasibility of the upcoming deal. If the company approves the application, a contract is drawn up.

And this is where a very important part of the transaction begins - the negotiation of the terms of the leasing agreement. It is very important to take into account the following in the contract:

1. Prescribe a specific object of the contract (all equipment data according to the passport), as well as the timing of its delivery and acceptance;
2. The amount of leasing payments under the agreement, as well as their frequency (that is, a payment schedule is being developed that will be valid throughout the entire agreement);
3. Specify on whose balance sheet (entrepreneur or company) the equipment is credited;
4. Will the tenant be given the opportunity to buy the equipment at the end of the contract;
5. In the event of the transfer of the subject of the contract, at the end of its validity, into the ownership of the lessee, it is necessary to discuss the residual value for redemption and the method of payment;
6. The duration of the contract must be indicated;
7. Service maintenance and maintenance of equipment;
8. Prescribe whether it will be possible to terminate the transaction early, and indicate the reasons for this;
9. Agree on penalties for the parties for non-compliance with the terms of the contract.

As a rule, the costs of transportation of leased property are paid by the lessee separately and are not included in the cost of the lease agreement.

If, under the terms of the contract, the entrepreneur buys out the leased equipment, then it is better not to include the purchase price in the amount of lease payments, because in this case it will not be taken into account when paying income taxes. It is best to issue this amount as a separate payment when transferring the property to the tenant.

Early termination of the lease agreement

The contract necessarily prescribes the obligations of the parties, the violation of which is an indisputable reason for terminating the agreement.

lessor has the right to terminate the contract unilaterally if:

• The lessee uses the subject of the contract for other purposes;
• During operation, the condition of the property deteriorated significantly;
• The lessee has delayed or failed to transfer payments at all more than twice;
• The lessee has ceased to exist.

Lessee has the right to terminate the contract if significant defects are found in the equipment, in which it is impossible to adequately use it.

Upon termination of the contract, the tenant pays the landlord:

• The unpaid remaining amount of payments under the agreement, plus penalties;
• If the contract provides for the purchase of property, then it will be necessary to pay the residual value of the equipment at the time of termination of the transaction;
• Forfeit.

The landlord pays the tenant only a penalty and advance payments (if it is specified in the contract).

Leasing equipment

When concluding a leasing transaction, the parties enter into a number of agreements ( mandatory and related). It is mandatory to sign contract of sale, which is between the lessor (company) and the supplier or manufacturer.

In accordance with this agreement, the supplier undertakes to sell and transfer the equipment to the lessor or lessee, depending on the terms of the contract. The leasing agreement must necessarily provide for who chooses the necessary equipment and its supplier (leasing company or entrepreneur).

The purchased equipment is transferred together with all accompanying documents, accessories and components.

As related agreements, the following can be concluded: an agreement on raising funds, insurance, guarantees, guarantees, etc.

The moment of transfer of equipment to leasing is considered the moment of signing the acceptance certificate. The acceptance certificate can be signed between the lessee and the seller at the time of delivery of the equipment. From this very moment, all responsibility during the operation of the equipment or its installation / dismantling lies with the lessee. The acceptance certificate for equipment (after installation and installation) is signed simultaneously with the acceptance certificate.

The maintenance of the equipment and its repair, from the moment of transfer of the equipment, fall on the shoulders of the lessee.

Who carries out the installation and installation of equipment

Often, when buying equipment, its installation and commissioning are required. These services can be specified in the contract and included in the cost of leasing equipment and paid directly to the manufacturer or supplier, or provided as a separate service, and then you need to conclude supplementary contract. This agreement can be concluded by the lessee or the leasing company.

When there is a transfer of equipment for leasing, which requires installation and adjustment, the question arises of depreciation. In this case, the equipment is transferred directly to the lessee, the act of acceptance and delivery and the act of transferring the equipment to leasing are signed.

• If the equipment is first put on the balance sheet of the lessor (leasing company), then depreciation starts after the first month, regardless of whether the equipment was put into operation.
• If the equipment was initially put on the balance sheet of the lessee, then the depreciation of equipment under leasing begins to accrue from the moment it is put into operation. All these conditions should be taken into account when drawing up a payment schedule and agreeing on the terms of the contract.

Advantages of a leasing deal over a loan deal

Before every novice entrepreneur, the question arises: to take equipment on lease or on credit? There are significant differences between these two financial options, and it is often much more profitable to issue a leasing agreement than to take out a loan.

1. To purchase equipment on lease, much less documents are required than to apply for a loan, and this process is much simpler. Very often, the average and banks are reluctant to issue loans, especially in cases where there is no credit history. The leasing company may require from the entrepreneur only a business plan and a minimum number of documents;
2. Objects acquired on lease can be immediately put into operation, while property tax will be deducted only from the moment it is received into ownership;
3. As a rule, the term of a leasing agreement is much longer, and payments under it are much less than under a loan agreement;
4. When making a leasing transaction, the equipment remains the property of the lessor, you only rent it, so no guarantees of repayment of the loan or any collateral are required;
5. Depreciation of equipment in leasing is much faster, which allows you to significantly reduce the cost of the acquired property by the end of the leasing transaction;
6. When concluding a leasing transaction, you will not need to withdraw a large amount from the organization's fund at a time, which may be needed for other needs. You pay a down payment and then make payments according to the schedule;
7. Payments under a leasing agreement are included in the cost of production, as a result of which it is possible to reduce income tax deductions.

Of course, there are enough advantages of registering a leasing transaction over a credit one, however, there is one significant drawback. As a result, buying equipment on lease turns out to be a more expensive event for the organization than obtaining a loan. This is due to long term transaction, and also because the leasing company is responsible for the wear and tear of the equipment and, in turn, requires some compensation for this.

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 who get the opportunity to direct the saved assets to 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 customers and reduce the time spent on concluding a transaction, we adhere to certain order works:

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 request through the form feedback. We will answer you as soon as possible.

Receive detailed information on the terms of the current leasing programs, a list of suppliers and manufacturers with which Interleasing Group of Companies works, you can also contact our specialists.

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 the optimal financial mechanism that differs from loan agreement or 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: