A loan is a financing option by which a financial institution grants the client a specified amount of capital. An agreement is established that specifies how both the principal and the interest will be repaid, through periodic payments according to an amortization schedule previously defined in the contract.

Advantages

• Fixed interest rate and fixed installments: Makes financial planning easier by knowing the amount of each payment from the start.
• Access to grants: Possibility to benefit from aid and grants available for equipment financing.
• Seasonality-based flexibility: We adapt payments to the seasonal needs of your business, offering payment options tailored to your cash flow.
• Tax deduction: Loan interest can be tax-deductible on your income statement, optimizing your company’s tax burden.
• Equipment depreciation: The equipment acquired through the loan becomes an asset of your company, allowing you to depreciate it over time.

Leasing is an arrangement whereby the financial institution purchases the machinery previously selected by the client and grants its use for a specified period in exchange for periodic installments. At the end of the contract, the client has the option to acquire the asset for an agreed residual value.

Advantages

• 100% financing of the asset’s value: We offer full financing for the acquisition of the equipment, without the need for a large upfront payment.
• Deferred VAT payment: VAT is paid proportionally with each installment, easing your company’s cash-flow management.
• Medium- and long-term terms: We adapt the financing terms to your needs, allowing you to plan for the long term.
• Tax advantages: All financial charges generated by the lease are tax-deductible, optimizing your company’s tax position.

Renting consists of the rental of fixed assets for a set period. In this arrangement, the machinery manufacturer retains ownership of the asset, while the client can enjoy the use of the equipment through convenient periodic installments.

Advantages

• Use without full upfront investment: Allows you to use the asset without having to outlay the full investment amount, protecting your cash flow.
• Tax benefits: Rental payments are a tax-deductible expense, optimizing your company’s tax burden.
• Improves borrowing capacity: As it does not appear on the company’s balance sheet, your business maintains greater borrowing capacity for future projects.
• Continuous technology updates: Allows you to stay up to date with technological advances without needing additional investments, adapting to market needs.
• Additional services included: The fee can cover associated services, such as maintenance, insurance, and warranties, ensuring the equipment is always in perfect working condition.