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Frequently Asked Questions

Frequently Asked Questions

"Why should I lease as opposed to paying cash for the equipment?"

Financing offers a variety of benefits over an outright cash purchase. Suppose you take the cash that you will use to purchase the equipment and reinvest it in your business. You could use it to advertise, purchase inventory, or hire and train employees. By matching your payments to reimbursements or benefits from using the equipment, you can better manage your cash flow.

"An equipment purchase isn't in my budget this year."

Financing can translate capital outlay into low monthly/quarterly payments; a lease structure can be developed to accommodate your budget constraints. Deferred payment terms will also help you obtain the equipment now rather than waiting for the next financial year.

"I don't want to rush into anything, why don't you give me a call next quarter."

Now is the time to prepare yourself for next quarter. We offer plans that will allow you to accept the equipment now and defer your first payment until next quarter, or offer lower initial payments that step up over time.

"My tax accountant says I can't buy any more equipment".

Financing avoids the tax implications associated with equipment ownership – finance leases give you the cost saving benefits associated with ownership, such as depreciation. So you get the benefits of ownership without actually owning the equipment.

"Who is responsible for the insurance and maintenance of the new equipment and payment of property taxes?"

You are responsible for maintaining the equipment and providing the proper insurance cover. We would need confirmation of the insurance policy but you can, of course purchase service packs and services contracts either directly from Fujitsu or one of our partners that will fully cover your maintenance obligations.

"Why would I want an Operating Lease as opposed to a Finance Lease?"

Operating leases offer the lowest quarterly payments and the entire payment amount can be deducted as a business expense. 'Off Balance Sheet' funding improves the presentation of key financial ratios.

''How do you compare to the bank?''

Fujitsu Financial Services does not require down payments and compensating balances like a bank; we also finance soft costs, professional services, project management, installation etc; whereas a bank may not. We do not tie your payments to an index, your payments are fixed for the entire term of the lease. We offer you an additional, and less restrictive, line of credit. We also offer more flexible plans – such as deferred leases – that a bank may not allow. We all know there is more to a product than price, so we provide a wide variety of services, flexibility and payment structures that provide real value and help make your job easier.

"What if I would like to get financing for more than five years?"

The defined useful life of this equipment rarely exceeds five years. Therefore, it is likely that you will need to expand or replace the equipment before five years is up. We don't want you paying out for a piece of exhausted equipment.

"I'm not sure whether or not I want to own this equipment in three years."

Many customers worry about obsolescence. Operating leases give you the lowest quarterly payments and the end of lease option to return the equipment to Fujitsu. With financing you have the flexibility to exchange to new and improved equipment at the end of your finance term.