Lease mechanics
Finance Lease
What is Finance Lease?
A finance lease is an agreement under which a business effectively finances the purchase of equipment and carries most of the risks of ownership.
A finance lease is a medium-to-long-term agreement that works more like buying an asset on terms: the business carries most of the risks and rewards of owning it, including the residual value risk at the end of the term.
For printer fleets, a finance lease differs from an operating lease in that the lessee typically carries the asset on the balance sheet and handles maintenance separately rather than as a bundled inclusion.
Most managed print arrangements on the Mid North Coast are structured as operating leases, where the device, service, and consumables sit on one monthly payment, rather than as finance leases.
Confirm with your accountant which structure suits your financial reporting.
In short
- You effectively finance the purchase and carry ownership risk.
- Residual value risk usually sits with you, not the lessor.
- Distinct from the bundled operating lease used for managed print.
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Frequently asked questions
What is the difference between a finance lease and an operating lease for a printer?
A finance lease is structured around your business carrying the asset and its ownership risks, usually aiming to own the device at the end.
An operating lease is about using the device for a term with service and consumables bundled into one monthly payment, then upgrading or returning it.
Most managed print arrangements are operating leases.
Confirm which structure suits your reporting with your accountant.
Cyrus Dickie
Founder, Global Document Solutions
You deal with the founder directly, from first quote to ongoing support, since 2010.
Authored by Cyrus Dickie, Founder at Global Document Solutions. In the industry since 2010.
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Related terms
- Operating LeaseAn operating lease lets a business use equipment such as a printer for a fixed term and return it at the end, without taking ownership.
- Residual ValueResidual value is the estimated worth of leased equipment at the end of the term, and it determines who carries the end of lease risk.
- Lease TermA lease term is the fixed contract period, stated in months, during which you pay to use the equipment.
- OpEx vs CapExOpEx is the day to day cost of running a business. CapEx is one-off spending on owned assets. A printer lease is generally OpEx.
- Cost Per Page (CPP)Cost per page (CPP) is an industry billing model where each page a leased printer produces carries a separate charge, common on managed print contracts.
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$160/month
ex GST
Lease term
36 to 60 months
- Maintenance and genuine toner included
- You only buy paper
- Same business day response, Mon to Fri
- No obligation, and no automatic renewal without your written approval