Use your money wisely, and take your business to the next level.

Many aspects of managing your business require capital investment; hiring, salary, marketing, IT expenditures, rent, unexpected events, etc. These expenditures cannot be financed. Equipment purchase or rental on the other hand can. Most of the equipment you use for your daily operations can be easily financed at 100%.  Making leasing a powerful tool for any accountant, CFO or savvy business owner. The advantages of leasing are numerous, but here are the top 10 that resonate most with our clients.

““There are many reasons I enjoy working with SPAR for my equipment purchase, one of them is the fact that I can consolidate my payments with several suppliers through one institution and know that I always have a great rate".”

Pascal LévesquePresident, Résidence La Voisinière

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Top 10 Reasons to Finance Through a Lease-to-Buy

  • Ownership at the End
    You get the best of both worlds—use of the equipment now, and full ownership once the lease term ends, typically for a nominal buyout amount.
  • Low Upfront Costs
    Start using the equipment with minimal initial investment compared to an outright purchase or traditional financing.
  • Preserve Working Capital
    Keep your cash available for payroll, operations, marketing, or emergencies instead of tying it up in equipment.
  • Tax Benefits
    Depending on the lease structure, you may deduct lease payments or claim depreciation once the asset is owned..
  • Improved Budgeting
    Fixed monthly payments make it easier to forecast and manage cash flow.
  • Easier Credit Approval
    Lease-to-own financing is often more accessible for small businesses or startups than traditional bank loans.
  • Avoid Obsolescence Risk During Term
    You get full use of the equipment during the lease, and if it proves essential, you own it—no more ongoing payments.
  • Build Business Credit
    Timely payments on a lease purchase can help establish or improve your business credit profile.
  • Generate Profit While Paying
    Start using the equipment to generate revenue right away—often covering the monthly payment and more before ownership transfers to you.
  • Better Asset Planning
    Knowing you’ll own the equipment at the end helps in long-term planning and asset management.

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