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No joke. If you can dream up a lease structure, we can make it happen. In fact, we've probably already done it. For example: Short terms, long terms, floating terms, early terminations, quarterly payments, annual payments, step down payments, step up payments, skip payments, seasonal payments, one-time payments, fixed buyouts, fair-market-value buyouts, $1 buyouts, fixed extensions, month-to-month extensions, etc. and so on. You get the picture.
From your perspective as a Lessee, all of this flexibility means you can precisely match your IT needs to your available resources. Satisfying your growing hardware demands no longer becomes a matter of constrained budgets. Our flexibility allows you to experiment with terms, payment structures and end-of-lease options to match the monthly rental payment to your cash cycles.
For those who are wondering, "Where to Start," it really only boils down to a couple of factors that we have detailed below. After you've taken a moment to review those and quantify your needs, feel free to Get Started with CT&L. Our Payment Estimator is a good starting point. However, if you know that you're going to require a lease that's a little more "exotic," feel free to contact our President, Bob Chlebowski, and work with him to craft a solution.
Lease Structure Factors
Useful Equipment Life
Only you can predict how long IT hardware remains useful within your organization. Some businesses that heavily leverage their equipment require a constant refresh to stay competitive and productive. Others can comfortably "over-spec" a machine, knowing that the extra capacity currently not needed will allow room for growth down the road.
It's hard for us to forecast that equipment life for you. Additionally, it's not uncommon to find clients that have different expectations from different types of equipment. In general, we've found that laptops and desktops seem to "age" much quicker than equipment that makes up more of your IT infrastructure: servers, printers and networking equipment.
Knowing how long you can comfortably get solid performance from each equipment type is the key here. And knowing that, we can tailor a lease for each type. For example, you might want to refresh your sales force laptops every 18 months, but your routers every 36 months. That's perfectly fine by us as we can accommodate most anything.
The real beauty for you is that you precisely match the expense of your IT hardware, to how long it serves your needs. There's no need to pay for hardware long after it's outlived its useful life, nor do you need to absorb the market value loss on equipment that's used over a relatively short period.
Matching your lease term to how you use your IT equipment means you pay for exactly what you use. Nothing more.
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Cash Flow Cycles
The majority of our clients enjoy the "pre-measured expense" of a fixed rental payment throughout the life of their lease. However for some, that's not a good fit. That's where a flexible payment structure can be beneficial.
Some organizations undergo seasonal cash fluctuations. Others don't want to hassle with coordinating a payment every month. Still, some prefer to make one payment and be done with everything. We've even had a few clients that wanted to defer any payments for the first couple months of a lease. It doesn't matter to CT&L. We're ready to respond.
The payment structure we craft for a client depends upon their particular cash flow cycles. If you have any sort of cash fluctuations throughout the year, we can develop a payment structure to match it. Doing so maximizes your IT resources by minimizing expenses when cash is most critical.
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End Of Lease Options
First, if you're not familiar with what CT&L offers in terms of End of Lease Options, make a quick detour here. Don't forget to come back, though.
If you're a little more familiar with how leasing from CT&L works, you may know that how you wish to handle the equipment when the lease matures directly affects the structure of your lease. Maybe you like to leave yourself open to options with a Fair Market Value Purchase Option. Possibly, you would like to be able to plan around a Fixed Purchase Price for the equipment. Or you might even wish to simply pay us one dollar ($1.00), and own the equipment. All affect how we tailor a lease for you.
There's no need to worry too much about this, though. If you're not sure of which option would suit you best, we can simply quote you a few different structures, and let you pick the one you like the most. Hey, we're flexible! Just tell us what you're interested in.
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Soft Costs & Services
Do you have any consulting, installation or configuration fees associated with an IT project? Or maybe your need some software or licenses along with your new hardware? How would you like to roll all of those costs into a lease with the hardware, rather than paying for them out of pocket?
We do it all the time. In fact, many of our closest Partners routinely wraps their services into the leases we coordinate for their customers. It's a great way to keep their IT projects entirely compartmentalized, and it reserves available cash for the client.
We have one rule: the soft costs and services cannot exceed 50% of the total value of the lease. So in other words, as long as the hardware costs exceed these soft costs, it's no problem to fold them all into a lease and provide one monthly payment for the client.
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