The structures
Lease it, own it, or spread it
Four ways to hold the same solution. The right one depends on whether the equipment should leave at end of term, and on how your accounting treats owned versus leased assets, a conversation for your finance team, which the planning quote is built to support.
01Fair market value (FMV) lease
The lowest payment structure: the equipment’s expected end-of-term value is factored into the payments. At the end of the term you return the equipment, or purchase it at its then fair market value. Fits refresh-cycle fleets, the equipment leaves before it ages.
02$1 buyout lease
Payments are structured so the equipment is yours at the end of the term for one dollar. Fits equipment you intend to keep past the term, the certainty of ownership, with the cash-flow profile of a lease.
03Installment payment agreement
A loan structure: you own the equipment from day one and pay for it over the term. Fits organisations whose accounting or procurement rules prefer owned assets over leased ones.
04Software payment agreement
The same installment structure for software-only purchases, licences and subscriptions spread over the term instead of paid up front.
Project and subscription financing are also available under the same programme, for engagements that phase over time rather than land as one delivery.