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The Fujitsu Business Leasing Program is designed to provide you with the
opportunity to acquire the technology you need through financing alternatives.
The Fujitsu Business Leasing Program with low monthly payments can keep your capital free for larger business expenses. The Fujitsu Business Leasing Program also provides you
with flexible end of lease options, as well as product upgrades, purchase
options and more. There are many advantages to business leasing including:
- Low up-front costs
- Low monthly payments
- Purchase options of $1, 10% or Fair Market Value (FMV)
- Potential tax advantages, off-balance sheet treatment and fixed rates
Additional advantages include:
- Leasing equipment upgrades or add-ons to help protect against the risk of obsolete equipment
- A fixed, monthly payment amount for the length of the lease term, making it easier for a business to forecast expenses and manage cash flow
- Preservation of bank and credit card lines
Business Leasing Types
Fujitsu business leasing offers various financing options with varying terms depending upon your needs, such as:
0% Fair Market Value Leasing Option (FMV)
Get 0% financing when applying for a Fair Market Value lease, with a minimum lease size of $5,000, and lease term of 12, 18 or 24 months. Two advance payments are required. To determine your monthly payment, simply divide the price of the equipment by the length of the lease term.
Fair Market Value Purchase Option
A FMV lease offers you a lower monthly payment. At the end of the lease, you may exercise one of the following options:
- Upgrade to new equipment
- Purchase the equipment for its then fair market value
- Return the equipment
- Extend lease term
A fair market value lease is the preferred option for those concerned about technology obsolescence.
One Dollar Purchase Option
A $1.00 purchase option lease contains the benefits of ownership while the monthly payment is higher than fair market value. The advantage of this type of lease is that you will own the equipment at the end of the lease. This is the preferred option for those who want to own the equipment at the end of the lease.
10% Purchase Option
With the 10% purchase option lease, the monthly payment will be lower than a $1.00 buyout lease, but may be higher than the FMV option. At the end of the lease term, you may choose one of the following:
- Upgrade to new equipment
- Purchase the equipment for 10% of the original selling price
- Return the equipment
This is a good alternative for those who are unsure what their needs will be in the future and want a fixed purchase price at the end of the leasing term.
Benefits of Business Leasing vs. Other Payment Methods
The chart below shows some of the benefits of Business Leasing versus other payment options.
 |
Cash Purchase
|
Loan
|
Credit Card
|
Lease
|
| Effect on Credit Lines |
None |
Reduces existing available
bank credit line |
Reduces existing available
credit card line |
Minimal—may leave
bank and credit card lines open |
| Payments |
None—lump sum at
purchase |
May vary with interest
rate changes |
May vary with interest
rate changes |
Fixed |
| Ease of upgrading or including
other add-ons |
Easy—but you
must pay for it with cash or credit card |
Difficult |
Easy—but you
must pay for it with cash or credit card |
Easy—add on
at any time |
| Option for regular equipment
upgrades |
None |
None |
None |
Yes—technology refresh
leases |
| Include non-hardware items? |
Yes |
Not usually |
Yes |
Yes |