fin home  
fin home
we specialise in financing technology assets:
- IT Products - Office Automation - Telecommunications - Point Of Sale

The above mentioned assets are offered with the following finance solutions:

rentals
leases
instalment sale

rental / lease / cash?

 

rental lease cash
Can have escalations Cannot have escalations Cannot have escalation
Vat payable monthly Vat payable upfront Vat payable upfront
Interest calculated on cash price before VAT Interest charged on top of VAT Interest lower over period as cash paid upfront
100% tax deductible Interest portion tax deductible Deducted by depreciation via balance sheet annually
Operating expense in income statement Appears as an asset in financial statement Appears as an asset in financial statement
No CAPEX approval required CAPEX approval required to purchase assets CAPEX approval required to purchase assets
Not restricted by company budgets Restricted by company budgets Restricted by company budgets
No deposits required Usually requires upfront deposit Cash outlay upfront
Rental can be tailored specific needs - i.e. deposit, upgrades, escalation, term, insurance Little flexibility N/A
Improves company equity and value ratios Capitalised Capitalised