Lease mechanics
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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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 the per-impression charge billed for each page a leased printer produces, covering toner and the consumable component of the contract.
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