You generate revenue by using equipment, not by owning it. When you lease, you pay only a portion of the equipment’s total value, tied only to the time that you are using it. When you buy equipment, you incur the cost of the full value, regardless of how long you plan to use it or keep it. Equipment leasing can conserve cash flow and improve bottom-line performance.
Benefits of Leasing >
M&T Commercial Equipment Leasing has helped organizations, large and small, address their equipment requirements. Our Lease Sales Representatives (LSRs) are located in each of the geographic markets within M&T Bank’s footprint, from Upstate New York to Central Virginia.
Structured to handle virtually any type of equipment, M&T Commercial Equipment Leasing can finance:
- Computers, networks and telecommunications
- Corporate aircraft
- Energy efficiency
- Renewable energy
- Furniture, fixtures and office
- Machine tools/industrial
- Materials handling
Types of Leases
Take advantage of our expert service on both
tax-oriented leases and non-tax-oriented leases (with a minimum transaction size of $250,000). We’ll help you choose the lease type that makes the most sense for your business.
Also known as a true lease, a tax-oriented lease allows businesses to take advantage of the tax benefits of ownership. You can deduct the lease payments as a capital expense from ordinary income taxes.
A non-tax-oriented lease is typically offered at a fixed rate or variable rate and includes an option to purchase the equipment for a preset price at the lease end. Additionally, you retain depreciation benefits.