Leasing vs. Loan
Compare smart financing options and choose the ideal one for your company.
Leasing vs. Loan: Which is better for you?
Thoroughly compare the key differences between financial leasing and business credit to make the smartest strategic decision.
| Feature | Leasing | Loan |
|---|---|---|
| Asset Ownership | Remains with the lessor during the contract. | Belongs to the company from the start. |
| Initial Investment | Generally no down payment or low amounts. | Requires a significant initial payment or down payment. |
| Tax Benefit | 100% deductible as an operating expense. | Deducted through annual depreciation. |
| Maintenance | In some cases, it is included. | Borne by the owner. |
| Flexibility | You can update equipment when renewing the contract. | The asset remains fixed until its useful life. |
| Business Liquidity | Does not compromise cash flow. | Reduces liquidity due to initial investment. |
Benefits of Leasing and Business Credit
Learn the strengths of each financial option to strengthen your growth strategy.
📌 Benefits of Leasing
- ✅ Improves liquidity: does not compromise your working capital
- ✅ Possibility of including maintenance and insurance
- ✅ Highly tax deductible
- ✅ Constant technological renewal
- ✅ Flexible contracts according to your needs
💰 Benefits of Credit
- ✅ Direct asset ownership from acquisition
- ✅ Unrestricted use by third parties
- ✅ Can be used as financial collateral
- ✅ Option for early payments without penalties
- ✅ Diversity of schemes: fixed or variable rate
When to choose Leasing and when Credit?
Each alternative has specific benefits. Here's when it's more convenient to opt for leasing or credit according to your financial strategy.
📌 Choose Leasing if:
- ✅ You want to preserve your liquidity without compromising capital.
- ✅ You are looking to update your assets frequently.
- ✅ You prefer immediate tax deduction as an operating expense.
- ✅ You want to include maintenance and insurance in the rent.
- ✅ You need flexible and scalable contracts.
💰 Choose Credit if:
- ✅ You are looking to have immediate asset ownership.
- ✅ You can assume a significant initial investment.
- ✅ You plan to use the asset without operational restrictions.
- ✅ You consider using the asset as collateral.
- ✅ You prefer traditional payment structures with predictable rates.
Get the best financial advice for your company
Discover if financial leasing or traditional credit is the ideal option to boost your business.