Financing

We offer financing for business clients only.
We do not offer financing options for retail clients.
Requirements:

• Minimum purchase: $50,000 or more.
• A company is required to present last three years of financials to be considered.

Empower your organization with cutting-edge IT equipment while optimizing capital expenditure. Through our strategic partnership with specialized lease financing partner, we offer bespoke solutions for acquiring servers, workstations, and other essential IT assets designed for data centers, cloud computing, and hosting services.

Lease Financing

• Ownership: You don't own the equipment; you're essentially renting it for a period.
• Upfront Costs: Typically lower than financing; may require only the first and last month's lease payments upfront.
• Monthly Payments: Generally lower than loan payments because you're only paying for the depreciation of the asset.
• Technology Updates: Easier to update to newer technology because you can switch out equipment at the end of the lease term.
• End of Term: At the end of the lease, you can choose to purchase the equipment at a reduced price, return it, or lease new equipment.
• Tax Benefits: Lease payments are often 100% tax-deductible as operational expenses.

Financing

• Ownership: You own the equipment, and it's considered an asset on your balance sheet.
• Upfront Costs: Typically requires a down payment, which can be substantial.
• Monthly Payments: Generally higher than lease payments because you're paying off the entire purchase price.
• Technology Updates: More difficult and costly to update to newer technology.
• End of Term: You own the equipment outright once the loan is paid off.
• Tax Benefits: Potential for tax deductions through depreciation and interest payments, but not the full monthly payment.

When to Use Financing

• Long-Term Use: If you plan to use the equipment for a long time and expect it to have a long useful life, financing is often more economical.
• Ownership: If having ownership of the equipment is important for your business—for instance, if you want to modify the equipment—financing allows you that flexibility.
• Capital Available: If you have sufficient capital for a down payment and can afford higher monthly payments, financing may be a better option.

When to Use Leasing

• Short-Term Needs: If you only need the equipment for a short period, leasing may be more cost-effective.
• Technological Obsolescence: In industries where the technology changes rapidly, leasing allows you to easily upgrade to the latest equipment.

Notes: This is not a commitment to finance. Not all applicants will qualify for financing. Financing options are for informational purposes only. Nothing herein is a commitment to finance by BIZON. Financing offered by third-party company.