Leasing is an effective financial and investment tool for the development of production. With it, the company can upgrade fixed assets and buy the necessary property.

The subject of leasing may be automobiles, industrial, agricultural and other equipment, etc. It is not allowed to draw up a deal for land plots, natural sites, property complexes or individual business units.

Conditions for obtaining equipment leased by a legal entity

According to the Federal Law on Financial Leases, a lessee can be a legal entity or an individual. This means that the transaction can be concluded not only by companies, but also by citizens, regardless of the place of registration, tax system, form of ownership and other characteristics. Let's see if this is true?

The most preferred lessees are serious corporations. Many leasing companies are ready to finance transactions for them, providing favorable conditions: long terms and low interest rates.

But such companies are in no hurry to offer favorable conditions for representatives of a modest business. Conditions can be very disadvantageous, it is a kind of “risk payment”. Leasing companies are considered reliable by large lessees, but they do not want to contact small ones. Although this has not been disclosed anywhere, the cost of services directly depends on the size of the lessee's business. You can even get a refusal. Mostly, newly registered companies that do not own or do not keep accounting records receive a refusal. Losses, lack of revenue, growth in accounts payable and other financial troubles can also lead to failure.

Leasing Documents Required

1. Constituent and registration documents (charter, certificate of state registration, certificate of EDRPOU, certificate of VAT payer, Form No. 4-OPP), necessary licenses, permits, patents and other permits that indicate legitimate activities.
2. Orders, protocols and other documents on the appointment of the head of the company and chief accountant, sample signatures and a seal imprint, a copy of the manager’s passport
3. Inquiries from banks where there are debts.
4. Inquiries from the banks serving this company about the monthly turnover of funds, credit accounts for the last year.
5. Quarterly financial statements for the past two years.
6. Tax reporting: declaration of profit and VAT for the last reporting period and for the year.
7. A feasibility study or business plan of the project, which indicates the information: market segment, information on the receipt of funds in accounts, taxes, fees and other mandatory payments, the nature and effectiveness of the project, the size of gross and net profit, payback and other economic information.

Important! All registration and financial documents, statements of the enterprise are provided in the form of copies certified by the seal and signature.

When and why are additional documents required?

If the lessee is an individual entrepreneur or the company uses the USN / UTII, it is necessary to submit documents confirming the performance indicators (declaration on the USN or UTII, the book of income and expenses).

Also, the lessor may request a breakdown of accounts payable, information about major counterparties, an audit report and other information. The business plan of the project is optionally provided.

Financial documents are necessary to assess the financial condition of the lessee, whether he will be able to make payments on time. Equity, revenue, turnover and other financial indicators are also evaluated. This applies to small projects. To conclude major transactions, the lessor conducts an in-depth analysis of the financial condition and requires the provision of a business plan.

The lessee makes an application, which indicates information about the property, supplier, contract parameters, features of the activity, etc. Keep in mind that each leasing company independently determines the list of securities required to obtain property. This mainly depends on the specifics of the activity and the risks associated with it.

Key Leasing Results

Tax Savings

Payments paid by the legal entity under the contract are recorded as production costs. In this regard, reduced income tax. Until ownership has passed to the lessee, property tax is paid by the lessor. Thanks to this, the company saves a certain part of the money.

Working capital savings

Due to the reduction in working capital, indicators of profitability and profitability are reduced. If you spend money on the purchase of expensive equipment, in the long run this can lead to unprofitable activities of the company. Leasing has a positive effect on the state of the company, as there is no withdrawal of working capital.

Enterprise development

By obtaining new equipment, the business is developing successfully. In addition, unlike lending, leasing is possible in any financial position of the lessee. This is due to the fact that the second option provides income.

Reduced clearance costs

If you buy property, vehicles or equipment, you need to register it. In the case of a leasing agreement, the lessor is engaged in the execution of all documents, thereby saving time and money.

Like credit, it is a special financial instrument that is implemented by banking or other companies and allows legal entities and individuals to purchase the necessary products on preferential terms. This is one of the most effective modern tools for the development of production. With it, the company can save working capital and get the right equipment without withdrawing them. This is a kind of long-term lease, financial relations in which the lessee and the lessor participate. The subject of the transaction may be production equipment, various means of transport, machinery. Especially popular today is leasing equipment for legal entities.

How to use the services of leasing companies?

Unlike lending, when leasing, you can get an excellent opportunity to save on income taxes and property. A company or an individual entrepreneur does not become the full owner of the property until it has paid in full, that is, it will not redeem it. Accordingly, there are no tax payments.

Many financial companies are ready to lease equipment for legal entities on the following conditions:

• Down payment of ten percent of the value of the subject of the transaction.
• The term of the lease is up to five years.
• Interest rate - assigned individually.
• A potential client (legal entity) must be registered in Russia and conduct successful business for at least twelve months.

In rare cases, legal entities are denied leasing. This can happen with newly registered companies without a certain level of income.

Package of documents: what to prepare when going to a leasing company?

Any financial institution that provides equipment for leasing to legal entities makes requirements for a mandatory package of documents. From a potential lessee will be required:

• Registration and constituent documents - certificates, licenses, patents, articles of association.
• Protocols, orders.
• Bank inquiries about existing debts.
• Quarterly reporting documents for the last 24 months.
• The business plan of the project (at the discretion of the lessor).
• Profit and VAT declarations for the last year.

It is necessary to thoroughly prepare for registration, but the privileges received fully justify some of the difficulties of the preparation process. After collecting documents, the client can apply for certain equipment. It is advisable to do this on the territory of a financial institution, and not via the Internet. Approval or rejection will have to wait at least three business days. Typically, applications from individuals are considered more quickly. After the adoption of positive rhenium, the bank enters into a lease of specific equipment for a specified period.

What is the result?

For legal entities - this is a modern service that is especially popular and allows you to purchase industrial, industrial, medical, tire fitting and other types of equipment. It all depends on the profile of the organization. Typically, the leasing limit does not exceed 25 million rubles for the purchase of equipment.

If the application is approved, the legal entity receives the following benefits:

• Significant reduction in cash processing costs. All costs are borne by the lessor, as he is the owner of the property until the expiration of the lease.
• Effective development of the enterprise - often the continued existence of the organization depends on the purchase of new equipment.
• Working capital savings - you do not have to use the company’s cash.
• Savings in the payment of taxes on profits and property.

Repayment and redemption

If the equipment was leased, it can be redeemed when the lease expires. To repay the debt, payments can be made monthly or quarterly, but in strict accordance with the agreement. You need to be careful about the payment and make certain amounts on time. In case of one or two delays, the equipment may be withdrawn from the lessee.

Full or partial early repayment with payment of cash for property is provided. In the event of full repayment, the equipment prematurely becomes the property of a legal entity. From the point of view of overpayment, it is better to quickly buy the necessary equipment. But long-term lease is also profitable due to accelerated depreciation and minimal tax payments. Partial early repayment of the debt by small payments is possible, as a result of which the total amount of payments is reduced.

The average financing time for leasing is from two to five years. But when you purchase equipment worth more than ten million rubles, the period may increase to ten to twelve years at the discretion of the lessor. From a legal point of view, leasing is a rather time-consuming procedure, but still, organizations prefer to use the services of leasing companies to purchase expensive and necessary equipment.

Equipment is often the only opportunity to purchase by installments, on the most acceptable conditions, sophisticated equipment, machines, software products. For some industries, for example, manufacturing, medicine, agriculture, it is modern fixed assets that are the main tool for success in the fight against competitors. But not all companies can purchase high-quality equipment at their own expense.

Leasing is a form of consumer credit that provides the ability to use technical equipment and assemblies on the basis of a long-term lease agreement with the subsequent repurchase of fixed assets in their property.

How to lease equipment

There are several types of contracts under which equipment for business in small areas is leased. It:

1. By subject - for legal entities and individuals.
2. By terms - determined by the parties, but not less than for a year.
3. According to the lessor - it may be directly the equipment supplier (manufacturer, dealer, seller) or a credit institution.
4. At the facility - production equipment, tire fitting, medical, refrigeration, etc.

Depending on these factors, the conditions and requirements for lessees will vary. Nevertheless, there are general criteria put forward in these types of transactions, regardless of the type and type of leasing. The main ones are:

• the lessee is required to pay the initial contractual installment for the objects transferred to him. Its value may not be lower than 10% of the value of fixed assets that are the subject of transfer under the contract;
• the duration of the contract and its terms is 1-20 (if the object is worth at least 50 million rubles) years;
• the possible average annual appreciation is determined taking into account depreciation (the monetary form of depreciation of assets) and a revaluation coefficient (based on inflationary processes). Traditionally, it is fixed at 3.5-6.5 percent;
• the period of activity in the field of the company-lessee may not be less than 12 months;
• the amount of income for the reporting year (preceding the execution of the leasing agreement) should be 2-2.5 times greater than the annual amount of leasing payments (excluding VAT);
• the minimum leasing limit is 10 million rubles;
• the recipient must be a resident of the Russian Federation;

Leasing equipment for legal entities is an opportunity to expand production capacities and business potential without removing substantial amounts of funds from circulation. Such an offer will be beneficial not only for small businesses that do not have sufficient reserves in their accounts, but also for large enterprises that are able to channel their stored assets for other purposes.
  We work with both domestic and foreign manufacturers and provides favorable conditions for the term, amount of financing and the cost price. For small, medium and large business entities, our specialists form individual offers that take into account the specifics of the activity, the nature of the order and the client's capabilities. We offer to lease equipment for medical, oil and gas, metallurgical, woodworking, food processing and any other.

We work with equipment worth from 1 million rubles.

The advantages of supplying equipment to leasing agreements

Equipment leasing from Interleasing Group of Companies provides our customers with the following advantages:

• various programs to select the most attractive conditions;
• minimum package of required documents;
• short deadlines for consideration of the application - a preliminary decision of 1 hour, review and approval of 1 day;
• the duration of the lease agreement is from 12 months;
• various schedules and amounts of payments;
• advance payment from 0%;
• the provision of leasing services in all regions of Russia;
• more than 18 years of successful business.

We work with more than 1500 suppliers and during our work we have concluded over 8000 leasing transactions for more than 2000 customers.

Interleasing offers its customers attractive conditions - the prices of our services are below market, the overpayment is minimal or completely absent.

How to lease equipment?

In order to maximize the convenience of our customers and reduce the time required to conclude a transaction, we adhere to a certain procedure:

1. Choose the supplier, the required equipment and its cost.
2. Leave your request through the form on the site to get a preliminary decision.
3. The specialists of our company will create an individual offer and terms of financing for you and coordinate the decision with you.
4. Enter into an official equipment leasing agreement from Interleasing Group of Companies.
5. Get and start using the necessary equipment.

If you need an individual consultation and if you have any questions, you can contact our managers for help. To do this, simply order a call back or leave your appeal through the feedback form. We will reply you as soon as possible.

You can also get detailed information about the conditions of existing leasing programs, a list of suppliers and manufacturers with which Interleasing Group of Companies works, with our specialists.

Many companies offer a well-known leasing program. This is a kind of rental of the necessary things, for example, machinery or production equipment. It has long been used not only abroad, but also in Russia.

Many turn to banks for a loan. This is an effective way to get money. But careful preparation of documents is required, high interest rates are in effect and the time to receive money on loan is extended for a long time. Great alternative - leasing for individuals. The main advantage is that at the conclusion of the contract interest is set, which during the lease does not change. As for the banking system, additional expenses, such as service fees, often appear here. Money is being drawn from you, but the law remains on the side of the banking institution.

Leasing of equipment for individuals

Basically, this product is used by entrepreneurs who have not registered a legal entity. Everyone knows that small businesses, especially in small cities, often do not submit reports and do not pay taxes to the state. Therefore, such illegal companies do not need tax advantages of financial leasing. In addition, this option can become burdensome. This is due to the need for accounting and repayment of payments.

From the point of view of the investor, leasing for individuals provides the highest reliability of the transaction. An item (equipment or other) remains in its ownership until the term of the transaction is completed. Therefore, less stringent requirements are imposed on the client. This is especially true of a person’s creditworthiness.

Lessors believe that enterprises with non-transparent activities are the most conscientious borrowers. For example, in a small business, the subject was a truck. He is the main source of income. To repay the payment, the borrower does everything, even limits himself, because there is no other way to generate income.

In many European countries, such contracts with individuals occupy a large share in the common market. For example, in Germany, this segment accounts for 9.2% of the total market. Currently, the subject of most transactions are cars.

In Russia, such services are offered by the companies: Capital Leasing Company, Own Business, Land Rover Independence, and Optimum Finance.

General terms

To complete a transaction with a lessor, an individual must fulfill a number of requirements. The entrepreneur must:

• have citizenship of the Russian Federation;
• be not younger than 23 years old and not older than 60 years old;
• have the business experience of the right profile.

To make a deal, you need to submit the following documents:

• passport;
• pension insurance certificate
• passport, driver’s license or military ID (optional).

If the individual is an entrepreneur, then you need to provide a certificate of assignment of TIN, on the registration of IP or BYBUL.

When all the documents are on hand, you need to choose a company, conclude an agreement and pick up the equipment. A legal entity becomes the owner, but in case of an individual’s appeal, the lessee uses the object only by proxy. After the expiration of the contract and payment of contributions, ownership passes to the lessee. An individual must draw up documents for himself, having paid all the costs of registration of the object. When making a deal, machinery, real estate and equipment are insured, but there is no need to insure life. This is due to the fact that until the end of the contract the owner of the object is the company itself.

Leasing conditions for individuals on the example of a specific company

The conditions are calculated depending on the financial condition of the lessee.

Possible conditions on the example of Optimum Finance:

• down payment - from 10% of the total cost of equipment;
• term - 9 months - 7 years;
• financing of delivery, installation, adjustment;
• inclusion of insurance costs in payments.

Turning to the company “Optimum Finance” you can get drilling, mining, climate, music, gas station, store, restaurant, office, industrial, industrial, agricultural and other types of equipment.

Benefits Compared to Lending

Companies without problems provide leasing for individuals, since they do not risk anything. Until the completion of the contract, until all payments have been paid, the property belongs to the company itself. This approach reduces the risks of fraud and non-payment in comparison with the credit scheme. In the latter version, the equipment or the car is immediately issued to the individual.

What are the other benefits of a deal between a company and a lessee? For example, for many programs there is no alternative in banks. This applies to the acquisition of commercial vehicles - trucks. They do not have a car loan program. The only way out when using the services of a bank is to get a consumer loan. Only this money is not enough for an expensive purchase. Perhaps an alternative could be a rental? Many support this option. Only you need to consider, after the end of the lease, the property will not become yours. But when you make a deal with the lessor, you will become the owner of the equipment.