Any company planning to expand its production capacity can profitably solve the financial issues of the acquisition of fixed assets using such a type of lending as leasing. You can lease trade or industrial premises, transport, special equipment, production equipment. You can arrange leasing through a bank or a leasing company.
Instructions
Step 1
View information about the types of leasing, information about leasing companies in your city, about banks that provide such services. Contact the managers of several selected banks or companies. Find out about the possibilities of leasing the equipment you need, specify the necessary conditions and the list of documents that you need to submit to conclude a transaction. Usually the package of documents includes:
- copies of constituent documents, certificate of state registration;
- a copy of the entrepreneur's passport, a certificate of the tax code (if we are talking about an individual);
- an extract from the State Register of Legal Entities and Individual Entrepreneurs;
- quarterly reports (income declarations) for 5 reporting periods;
- certificate from the bank on the movement of funds on all bank accounts for the last 12 months and information on credit debt (not all companies require).
Step 2
Consider the options for leasing equipment offered to you, choose the most attractive option. Prepare copies of the required documents. Fill out and submit the application, the form of which will be given to you at the selected leasing company. Attach the required documents to the application. The application is usually reviewed by the company within 10 business days.
After considering the application and making a positive decision, the leasing company will offer to conclude a lease agreement. Before signing it, show the contract to an experienced lawyer who will draw your attention to possible "pitfalls" in the contract. If you are satisfied with all the terms of the transaction specified in the agreement, sign the document.
Step 3
Pay the advance payment stipulated by the contract to the current account of the lessor company. The amount of the advance payment can be 10-30% of the contract value. You may need to pay for property risk insurance. After submitting the signed leasing agreement to the leasing company, copies of payment orders for the advance payment and insurance payment, the necessary equipment will be delivered to you.
