Lease to own

The client chooses an asset (new or used), Ficapex buys it in order to lease it to the client, who in return makes monthly payments during the term of the lease contract and gets to use the asset. At the end of the lease, the client purchases the asset for a price previously agreed upon.

Tax benefits

• Client applies a full deduction of the monthly lease payments.
• It can be seen as an accelerated depreciation. For example, you can fully “depreciate” an asset in a 12-month lease, which otherwise would be depreciated in 48 months.
• Off-balance. The lease agreement is not registered as a Liability.

Financial benefits

• Leese does not use his own cash flow to purchase the asset.
• Financing of up to 80% or 90% of the asset.
• Flexibility in choosing the term of the lease agreement (from 6 to 48 months), in choosing a smaller or bigger downpayment and in choosing a fixed price for the purchase of the asset at the end of the lease. All this so that the lease is tailored to your financial needs.
• Does not limit your use of bank loans and lines of credit, since a lease is not registered as debt in your Liabilities.

Other benefits

• Accounting. Simplifies your entries: monthly rents are an operating expense
• Conveniently renew your assets.