Apart from the 100-percent financing which only leasing offers, leasing is a cost-effective, flexible, convenient and straightforward form of financing.
 

---

100-percent financing, leased property as collateral

While loan-based financing only covers a certain percentage of the total costs, with the other part of the investment to be provided by the borrower, leasing usually covers the entire cost of the investment, preserving your liquidity. Another difference to a loan is that additional securities are not usually required when leasing, as the lessor retains ownership of the leased property, thereby providing adequate insurance against the calculable risks.
 

---

Financing tailored to your means

The rate at which lease payments are set can be designed to fit in with your financial means, within the tax framework. The level of the regular payments is determined by the length of the contract, the amount of the down payment and the residual value at the end of the contract. VB Leasing's employees and distribution partners have the requisite expert knowledge and the experience to offer you optimal financing. The focus here is on a sustainable, individual solution which really suits your requirements.
 

---

You pay what you use, not a cent more

In every case the way in which the lease is financed is tied to the widely accepted, or legally prescribed, useful life of the leased property. This is why there are no repayment plans which are too short, only any expenses incurred must be paid. As this form of financing does not require you to get into debt, leasing also enables you to react more quickly to changing requirements which affect your bottom line, which in turn increases your modernisation potential.
 

---

Straightforward figures you can predict

For business-owners, leasing provides clear advantages in terms of cost-accounting. With other financing forms, expenses calculated according to commercial laws and tax laws are not identical to the actual costs paid out. With leasing, the expenses are exactly the same as the costs, disregarding the advance payment of the lessee. Furthermore, a lease agreement allows different goods from different suppliers to be combined into one lease. This improves the basis for cost-accounting.
 

---

Advantages which also benefit your balance sheet

Because the leased property remains under the ownership of the lessor, for the purposes of accounting and tax it is not usually entered into the lessee's balance sheet and does not increase the numerical assets on paper. However, the leasing payments are declared as a business expense within the legal framework and they are income-tax deductible. For most leased assets, the value-added tax can also be claimed back by VAT-registered businesses. Exceptions include passenger cars and estate cars, to which restrictions apply.
 

---

Greater liquidity with sale-and-lease-back

Sale-and-lease-back contracts facilitate the freeing up of capital which is tied up in assets. Under this scheme the owner of the asset sells it to a leasing company and then leases it back. This gives the lessee an immediate liquidity increase and allows the continued use of the asset. The leasing payments can then be written off as a business expense for tax purposes.
 

---

Personal support for our customers

In addition to financial advantages, our customers also profit from professional service free-of-charge for the duration of the entire contract. At VB Leasing we place a high value on personal relationships with our customers and make their concerns our concerns. There are no anonymous call centres with us. With VB Leasing you know your contact partner and have their contact details. You can rely on us: we are there in person for you when you need us. Don't hesitate to contact us – there is no obligation and we will happy to let you know what we can do for you.

These texts are based on information provided by the Association of Austrian Leasing Companies.