It is not just about moving towards the era of digital transformation in business. Having computer equipment updated and in optimal conditions is a sensitive issue in the face of the wave of cyber attacks that have affected both SMEs and large companies. Fortunately, thanks to equipment leasing models it is not necessary to incur large monetary expenditures to have the best possible equipment.
Unfortunately, micro, small and medium enterprises (MSMEs) believe that having computer equipment – new or used – is very expensive. At least 41% of MSMEs recognize that they do not have computer equipment. In addition, 40.9% say they do not use this tool due to lack of economic resources, as revealed by the National Survey on Productivity and Competitiveness of Micro, Small and Medium Enterprises carried out by the National Institute of Statistics and Geography (INEGI).
And, in part, the perception that MSMEs have is correct. The manufacturer of computer processors, Intel, ensures that the maintenance costs of computers increase considerably when the equipment is three years old or more, so this is the ideal period to renew the equipment.
In fact, details the multinational technology, costs up to $ 1,700 annual maintenance of a team, which must be added to the loss of productivity of the users of the team.
For MSMEs that want to integrate computers to their businesses, or those that must renew them because they are more than three years old, there are options such as financial leasing that does not compromise their cash flow.
This model has many advantages. One of them is that the expenditures through financial leasing are considered as an expense before the fiscal authorities, which allows reducing the burden in this area. Another is that the maintenance is the responsibility of the company that ‘rent’ the equipment and are responsible for its operation in optimal conditions.
To purchase computer equipment through leasing, it is sufficient to review the models you need among the different suppliers. Choose the most convenient loan via Citrus even helps you with bad credit and request it.
Then, it is necessary to go to a financier that offers the financial leasing service. The lessor will acquire the cash equipment and will allow the owner of the mortgage and make use of it through a monthly rent.
At the end of the contract, the financial company offers options such as: paying a residual minimum to purchase the equipment definitively (the paid rents are taken into account), or requesting a new contract with new equipment. This is also known as pure leasing.