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You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.

Firefox

To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.

Safari

To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.

 

 

 

 

Man in hardhat sits at the wheel of a forklift in a warehouse.

Why Finance vs. Buy?

​​We can help you make an informed decision when it comes to buying or leasing your commercial equipment.

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If you can generate more net income by borrowing equipment than you can owning it, consider leasing.

There are times when you only need equipment for a short period of time, and it could actually cost you more to buy it than it would to lease. When considering leasing, it is important to consider the anticipated length of use and the total cost of the lease versus the total cost of​​ purchasing the equipment. Depreciation benefits should also be considered.

​Benefits of Leasing

Equipment financing can help your business in a number of ways, including​:

​Conservation of Cash Flow

Tax-oriented lease payments are smaller than those associated with traditional term loan financing, increasing a company’s cash flow.

​No Down Payment

Companies can avoid down payments, which may be required under traditional financing methods.

​Balance Sheet Considerations

By leasing rather than buying, companies reduce balance sheet debt​, can potentially improve financial ratios, and preserve borrowing capacity.

​Tax Benefits

Some companies, such as those that are capital intensive or subject ​to Alternative Minimum Tax (AMT) or mid-quarter convention, are unable to optimize tax benefits from owning equipment. Companies can utilize tax-oriented leases to transfer the tax benefits of equipment ownership to M&T in exchange for lower rental payments.

​Flexibility 

M&T Bank offers structuring flexibility in lease terms and extens​ions, early termination options and payment schedules.

​Keeping Pace with Technology

Leas​e terms can be set to match the useful life of equipment that otherwise can quickly become obsolete.​

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