Accram Printer Lease Information

Conserves Working Capital
Printer Leasing conserves your working capital by requiring only a minimum initial outlay of cash, usually just the first and the last payment. Your working capital is retained for more productive operational uses and business opportunities.

100% Financing
In most cases printer leasing allows you to finance an entire purchase including software, hardware, consulting, maintenance, freight, installation, and training costs. We can set up your printer lease to also include printer consumables including laser toner, printer ribbons, and laser maintenance kits.

Frees up bank credit lines
Printer leasing preserves your bank line of credit so that you are prepared for an emergency or other unexpected demand for cash.

Flexibility
Printer lease terms range from 12 to 60 months depending on equipment type. A printer lease may be structured to meet the needs of the customer by providing tax advantages, optimizing cash flow, and flexible end of lease options.

Ease and Convenience
Applying for a printer lease is easy and convenient. Printer leases can range from $ 2,000 to $ 2,000,000. For printer leases under $75,000 just fill out a one-page application and a decision is made within 3 to 5 business days no financial reports or tax returns needed. You can fax us a completed application, or call and speak with a leasing agent.

Hedge Against Inflation
Lease payments are based on the dollar's current value. These payments remain constant regardless of the future effect inflation has on currency value. Unlike bank lines of credit with variable rates, lease payments are fixed regardless of what happens to the market tomorrow making it easier to budget and forecast. You can acquire today's equipment with tomorrow's dollars.

Budget Constraints
Most leases can be structured so that payments are made with operating rather than capital funds. This can eliminate or reduce capital budget delays. Leased equipment can be purchased later if capital becomes available. A percentage of the lease payments can be credited toward the purchase of the equipment.

 Tax Advantages
Operating leases are generally treated as 100% tax deductible business expenses paid from pre-tax earnings instead of after tax profits. Your tax professional should be consulted for more advice.

Avoid Obsolescence
Leasing provides companies with the ability to keep pace with technology. Leasing allows you to easily add-on printers or upgrade to completely new printing technology in order to meet future needs. Because flexibility is one of the greatest benefits of leasing, you never have to be stuck with old, out-of-date printing technology.

Pay As The Cash Flows
Leasing lets the equipment pay for itself. Equipment expense is paid on a monthly basis as the equipment earns revenue.

Fixed Rate Lease Payments
Fixed payments enable you to accurately predict the impact on cash flow and protect you against inflation or stock market volatility.

 
Types of Printer Leases

$ 1.00 Buyout
This program allows the customer to own the equipment at the end of the lease term for $ 1.00. Generally the monthly payments are higher for this type of lease . This option is recognized as a capital lease and treated as if purchased for Income Tax purposes. This type of lease financing allows the customer to assume all of the tax depreciation benefits that are obtained by owning the equipment. This lease is best for customers who know that their equipment won't lose its value and who want to keep it at the end of the lease.

10% Buyout
This type of lease offers you lower monthly payments by deferring 10% of the original equipment cost until the end of the lease. You own the equipment at the end of the lease term.

Fair Market Value
This type of lease offers the lowest possible lease payment with an end-of-lease purchase option not to exceed the fair market value of the equipment. This type of lease may have significant tax advantages. This plan offers the most options at the end of the lease. Equipment can be purchased at its Fair Market Value, returned, or the lease can be extended. This type of financing is best when the value of the equipment is expected to decrease quickly, or who want to upgrade their equipment at the end of the lease term. With this type of lease, you get to write 100% of the lease payments off as an operating expense.

Master Lease Printer
This type of lease offers you the latest and greatest of technology on an ongoing basis. After qualifying, we will install the equipment you desire. As your needs changes or new technology comes onto the market, we simply install the new equipment as part of your master lease. The master lease will also allow you to replace equipment with newer technology at the point and time of your choosing.

Leasing Process
10 Steps to Leasing Equipment

Select your Equipment
Discuss your printing requirements with an Accram representative and determine the equipment you need.

Application
Fill out our simple lease application and fax it to us. You can also call in your application to one of our Accram representatives.

Approval
Approvals generally require 3 to 5 working days.

Decide on a Program
A Accram representative will call you to discuss the leasing terms and options with you. You pick the solution that best meets your requirements.

Documentation
Upon approval and our  invoice, we will send you the lease documents by overnight mail for your signature. You authorize and return the documentation.

Purchase Order
Once the signed lease is received with the appropriate initial payment, a purchase order is issued.

Equipment is Shipped
Your equipment is delivered and installed.

Verbal Acceptance
You will receive a telephone call in which you will be asked if you are satisfied with the equipment and if it is operational to your satisfaction. A delivery and acceptance form will need to be signed by you.

Start the Lease
The next month you will be billed according to the terms of your lease. You start making money with your equipment!