100% Financing Available!

You can bundle a variety of technology into a single agreement, simplifying the leasing process. It can include many common costs like hardware, software, freight, installation and other implementation costs.


Lease for as little as $5,000 up to $150,000 to qualified clients

48 Hours

We can normally have an answer for you in as little as Two Business Days.

60 Months

Lease anywhere from 2-5 years with the ability to upgrade equipment at anytime.

Low, Fixed Payments

You can lock in a low, fixed monthly payment that won’t be subject to change. You spread out the cost of the equipment, maximizing the value you receive from it and are able to budget more accurately

Preserve Credit & Capital

Leasing preserves your bank line of credit so that you are ready, should a business opportunity or unexpected demand for cash occur. Also, it conserves your working capital by requiring only a minimum upfront cost; usually just the first and last payments.

Payment Flexiblity

Leasing can be tailored to fit all of your budgetary requirements with a variety of options like deferred payments, $0 down leasing, step payments and terms like monthly, quarterly and annual payments.

End-of-Term Options

  • Purchasing the leased equipment at fair market value, or
  • Returning the equipment and upgrading or
  •  Continuing the lease with the same payments.

Also known as a Fair Market Value (FMV) Lease, this is the most cost effective lease option and provides the greatest amount of end-of-term flexibility. You will have three end-of-term options that include:

  1. Purchasing the equipment for what is determined as the current market value
  2. Returning the equipment to Ingram Micro Lease-IT! And refreshing your technology (Tech Refresh)
  3. Extending your lease on a month-to-month basis

Tech Refresh is the most popular end of term option. If you choose to purchase your equipment, you can choose what hardware you would like to keep and what you would like to send back. We will then dispose of your returned equipment through an environmentally-friendly   and EPA-compliant disposal.

Also known as a $1 Buyout Lease, it has a higher cost than an FMV option, but you will own the equipment for a total of one dollar at the end of the term. If you are certain that you want to own the equipment at the end-of-term, then the Finance Lease is your best option. When you are ready to acquire additional equipment, Ingram Cloud Blue is available to help you dispose of your old equipment and your Ingram reseller will help you place an order for new equipment.

If you want to keep your technology current, the standard lease is the best fit and it also has the lowest monthly payment. Because technology rapidly depreciates, the value in IT equipment is in using it, not owning it. It also provides the greatest amount of flexibility at the end-of-term. Initially, many customers want to keep their equipment. However, at the end of the term, they realize how far the technology has advanced and they are left behind with obsolete equipment. It’s important to determine your specific needs before choosing a lease/financing option.

Example:   A business is comparing a standard lease to a finance lease for $50,000 of equipment*

$1350 Per month for 36 months standard lease (FMV)


$1550 Per month for 36 months finance lease ($1 Buyout)

Savings of $7,200 over a 36 month term

* Actual payments will depend on type of equipment financed, term and credit quality.

According   to the new tax deduction limits for equipment  set out in section 179 of the US tax code, in some cases as much as 100% of the equipment cost*, up to a specified limit, can be immediately deducted   from your taxable income.   The relative benefit to leasing versus purchase will vary depending  on the depreciable life of the equipment, the lease term and payment structure, the marginal tax rate for your company,   etc.   *NOTE: We strongly recommend   that you contact your CPA or Tax Accountant to review the exact benefits

  • Must be in business for at least three years.
  • Personal Guarantor must be partner/board member of business.
  • Lease must be for a minimum of $5,000.
  • For leases over $75,000, financial statements are required unless information publicly available.

How long does it take to get approved?
Credit decisions on transactions $150k and below are generally made within 2 days. Decisions over $150k are made within  4-6 days.

Is there a minimum or maximum amount?
The minimum amount is $5,000 with no maximum dollar limit.

What is the down payment?
Usually two payments.

How much does leasing cost?
The actual rental payment depends   on the equipment   you select and how long it will be leased. Leasing is NOT expensive. The savings in accounting   costs, better use of capital, the total cost of ownership   and the revenue realized will justify the rental payments.

How long does a lease last?
Assets which tend to become quickly obsolete (such as computers)   usually have lease terms of two to five years. Some lease terms are driven by how long the lessee wants to use the assets without moving on to newer equipment or technologies.   Other lease terms are based on accounting issues which limit the length of certain leases to no longer than 75% of the equipment’s useful life.

How are lease payments calculated?
The lease payment is determined by a lease rate factor, which is a percentage amount used to calculate rental payment to a lessee for the use of the asset. The lease rate factor is then multiplied by the equipment cost to determine the payment amount.

Do applicants need to submit financial statements?
Typically, for transaction up to $75,000 only a completed application is required. For transactions   greater than $75,000 financials are required unless public information is available.

What happens at the end of the lease?
The lessee is required to notify the funding source in writing of its intent to purchase or return the equipment no later than 90 days prior to the end of the original term of the lease.

Is insurance required for the leased equipment?
Yes, insurance is required on every lease. Most business insurance policies cover the equipment leases, but if the end user chooses not to insure the equipment the lease company will add it to the lease.

Preferred Business Leasing Program

Fianancing available on hardware, software, services, maintenance, freight, and installation!