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Equipment leasing – because liquidity counts
Making costly corporate investments without touching capital reserves? Enhancing productivity with state-of-the-art technology while lowering costs at the same time? Benefiting from forward-looking cost calculations and making use of consumption-dependent invoicing? These are just some of the benefits of our liquidity-preserving equipment financing.
Whether you are investing in production lines, commercial vehicles, machinery or equipment or you just want to finance smaller acquisitions – we offer customised investment solutions for your company’s entire mobile business assets. As the vendor-independent leasing company within the Commerzbank Group we have been a valued partner to Germany’s SME sector for more than 50 years now.
If you have special needs, we also support your short- and long-term goals with carefully tailored financing solutions. Because we provide in-depth knowledge and expertise on US-GAAP/IFRS structuring, cross-border leasing, big-ticket movables as well as intangible assets. Protect your competitive advantage with equipment financing solutions from Commerz Real.
How leasing works
With leasing the lessor provides a lessee with capital, goods or intangible assets such as software against a monthly payment. The object remains the property of the lessor.
The details of the leasing are regulated in a leasing contract between lessor and lessee. The monthly leasing payments and the term of the contract are listed there. In addition, it is specified in what condition the leased object has to be at the end of the leasing contract.
At the end of the contractually agreed term the object is returned to the lessor, purchased by the lessee or sold to a third party, depending on the contract option chosen.
Leasing – the future model
Leasing ranks among the most popular forms of financing for entrepreneurs. In line with the motto "Using instead of owning", more than every second debt-financed investment in Germany is financed using leasing. In the recent past the leasing market has grown from year to year. In 2019 the value of goods and services financed through leasing rose to 72.9 billion euros in Germany (leasing and hire-purchase of movable assets). The total value of leased assets adds up to around 220 billion euros*.
Regardless of whether your aim is to make work processes more efficient with state-of-the-art technology, improve IT infrastructure or implement other operational purchases: leasing offers your company numerous advantages. First and foremost is the particularly high level of financial freedom.
Your advantages with leasing
Scope for investment and more liquidity
With leasing, capital goods can be used directly by your company without deploying equity or other funds – with no negative impact on liquidity, credit lines or collateral.
Leasing payments are treated as operating expenses in your company’s profit and loss account. They are fully deductible for income tax purposes.
Long-term planning security
Constant rates offer a reliable basis for calculation and ensure high planning security. At the end of the term you decide whether you want to take over the leased object, return it or extend the lease.
Investing without restrictions
With our commercial leasing offer, you can choose the best products for your company independently and without any restrictions. There is no obligation to certain manufacturers or suppliers.
Off-balance sheet financing
Leasing contracts are regularly balance sheet-neutral for you. Your equity ratio is protected. This allows you to improve your balance sheet ratios and thus also your credit rating.
Modern business equipment
By assuming a leasing period that is shorter than the expected useful life, the risk of your capital goods becoming outdated is reduced.
Flexible contract design
No matter whether you want to make large investments or finance smaller purchases – leasing contracts can be individually tailored to your business needs.
With us, you will always receive a leasing contract that takes into account the special requirements of your company. Regular and special payments as well as the duration can also be individually adjusted.