Myśląc o rozwoju firmy, musimy zdawać sobie sprawę, że wiąże się to z wydatkami. Nowoczesne urządzenia, maszyny czy samochody kosztują. Dlatego coraz częściej przedsiębiorcy siegają po leasing.
Rozwój firmy to przede wszystkim ciągłe inwestycje. Bez zakupu nowych maszyn, urządzeń
czy samochodów istnieje ryzyko, że zostaniemy daleko za konkurencją. Jeszcze dwie dekady temu przedsiębiorcy, którzy chcieli inwestować w rozwój firmy korzystali z kredytów. Obecnie coraz więcej inwestycji jest finansowanych za pomocą leasingu.
Maszyny i urządzenia produkcyjne możemy wziąć zarówno w leasing finansowy, jak i operacyjny. Dzięki leasingowi finansowemu można wykazać maszynę w swoich aktywach, dzięki czemu dokonuje sie od niej odpisów amortyzacyjnych, które stanowią koszty uzyskania przychodu. Z wszystkimi tego zaletami i wadami.
Natomiast przy leasingu operacyjnym, przedmiot leasingu zaliczany jest do składników majątkowych firmy leasingowej. Zatem obowiązek dokonywania odpisów amortyzacyjnych leży po stronie leasingodawcy. Kosztami uzyskania przychodu są tutaj raty leasingowe, do których doliczany jest podatek VAT oraz opłata wstępna i ewentualny wykup.
Na podstawie umowy leasingu, firma kredytująca nabywa wskazaną przez leasingobiorcę maszynę lub urządzenie i udostępnia mu ją do korzystania za określonym wynagrodzeniem. Po zakończeniu umowy leasingobiorca może wykupić przedmiot umowy na własność lub zwrócić leasingodawcy.
Często stosowaną praktyką jest nabywanie w leasing używanych maszyn oraz urządzeń produkcyjnych. Jest to idealne rozwiązanie dla przedsiębiorców, którzy mają niższe obroty lub dla ich celów jest to wystarczające. Takie rozwiązanie pozwala zatrzymać posiadane środki finansowe na bieżącą działalność. Taka umowa leasingu jest zawsze zawierana na indywidulanych warunkach. W przypadku maszyn używanych przy ustalaniu oferty dla klienta, brane są pod uwagę takie czynniki jak: wiek, stan techniczny maszyny, oraz stopień wyeksploatowania, które określają jej wartość.
Dla przedsiębiorców, którzy dopiero rozpoczynają działalność gospodarczą leasing maszyn lub całych linii technologicznych może okazać się jedyną możliwością sfinansowania tych inwestycji. Banki w swoich ofertach przeważnie wymagają od właścicieli firm udokumentowania prowadzenia działalności przez co najmniej rok, a tymczasem firmy leasingowe mają oferty dla przedsiębiorców, którzy prowadzą swoją działalność dopiero od trzech miesięcy. A nawet w niektórych przypadkach już od momentu rejestracji firmy. Dodatkowo leasing daje możliwość dostosowania rat leasingowych do indywidualnych potrzeb klienta z uwzględnieniem np. sezonowości czy braku pieniędzy na starcie działalności.
Firmy leasingowe w poszukiwaniu nowych klientów mają w swojej ofercie coraz bardziej elastyczne rozwiązania. Często można nabyć np. samochód przy zerowym koszcie początkowym. Aby jak najbardziej dopasować oczekiwania i możliwości finansowe przedsiębiorców do ofert firm leasingowych, warto zasięgnąć opinii specjalisty.
Wiedza i doświadczenie osób, które na co dzień zajmują się finansami, pozwoli wybrać najkorzystniejszą ofertę.
NA SKRÓTY:
- Inwestycje w firmie możesz sfinansować leasingiem,
- Leasing pozwala na zakup rzeczy nowych i używanych,
- Nie musisz mieć zdolności kredytowej.
- Zerowe koszty początkowe.
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