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Business Leasing

Leasing -  Fujitsu Computer Systems Business Leasing Program 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

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To apply for the Fujitsu Business Leasing Program, please start shopping. The Business Lease application will be an option available at checkout. For more information on business leasing options, please contact Fujitsu Business Leasing at 1-800-FUJITSU.

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