Leasing

We are available to help you decide if leasing is right for you.

Leasing provides financial programs that can lower costs, avoid obsolescence, and help establish and maintain a competitive advantage. Leasing at Agfa Graphics moves at the speed of business: on-line application, automated credit scoring, application decision within hours of receipt, speed, flexibility, and expert industry knowledge. Agfa Graphics North Amerca works with the CLP Group, LLC to offer programs that fit the needs of today's businesses.

Benefits of Equipment Leasing

Commercial Loan products often requires down payments of 10% to 20% while leasing through Agfa Graphics does not.

Convenience

Agfa Graphics offers their customers the ability to secure financing on an "application only" basis for purchases up to $250,000. Financial statements are required from customers for purchases in excess of that amount but the degree of information required is significantly less than what would be required by a local bank. Additionally, incidental costs such as software, freight and installation can be included in the lease.

No Covenants

Traditional lenders provide loan products to their customers which often times contain restrictive covenants. These covenants can adversely affect a customers' ability to run their business. It is not uncommon for a lender to include covenants such as maintaining minimum net worth, leverage and working capital in their loan documentation.

Diversity of Products

Agfa can offer customers Dollar Purchase Option leases or Equipment Loans, Tax Leases and Operating Leases. Traditional commercial lenders offer Equipment Loans only. An Operating Lease may provide the customer with off-Balance Sheet financing if the lease meets certain accounting criteria. An Operating Type Lease does not require a customer to add a liability to the Balance Sheet or reduce working Capital. This allows a company to retain its Balance Sheet strength.

Several points can be used to differentiate leasing from purchasing. You can find side-by-side comparisons below:

  Lease Loan
Terms

Lease terms are usually between 2 to 7 years.

 

Loan contracts are for any period greater than two years.
Type of Equipment

Generally used for "technology related" equipment or other assets with shorter useful life.

 

Generaly used for longer lived assets.
Title

Legal title remains with the Lender

 

Legal title passes to the Borrower.
Structure

Several options available to secure credit approval including providing additional collateral and advance rental payments.

 

No credit enhancements can be offered. Full payout only.
Early Termination

Leases are traditionally non-cancellable. The Lessor/Lender will charge a pre-payment penalty for early termination in addition to requiring the remaining lease payments be made.

 

Lender will usually provide a simple interest buyout of the remaining loan payments.
End of Term Can be structured with a specific dollar buyout amount from $1.00 to as much as 25% of the original equipment cost. Loan ends at the end of the term.

E-Bill

E-Bill

Customers can take advantage of E-Bill, a value-added service that provides a more efficient way to manage your account.

Payment Options

Payment Options

Find out about Agfa Graphics' options for payment and how to open a line of credit.

Return Policy

Return Policy

In order to serve you as efficiently as possible, our Return Policy incorporates several major advantages.

Shipping Information

Shipping Information

Agfa Graphics offers a number of shipping options for the quickest most economical way to deliver our products to you.

Tax Information

Tax Information

Find out about how Agfa Graphics calculates tax on purchases with us.

Agfa E-Store

Agfa E-Store

Now all your graphic communications needs are just one click away! Shop now: shopagfa.com

Contact

Questions?  Fill out our contact form below and we will contact you asap. apogeeform

 
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