Laser Device finanzieren: Kauf, Leasing or Hire purchase
The financing method doesn't change the technology, but it does affect your liquidity. This page explains the differences and shows which figures you should know before speaking with a bank or tax advisor.
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With a purchase, the device immediately becomes an asset of your business; the expense is a one-time cost. Leasing spreads the usage over installments, with ownership remaining with the lessor. Hire purchase also spreads payments, but transfers ownership at the end of the term.
Which option is more favorable for tax and balance sheet purposes depends on your individual situation. This assessment should be handled by your tax advisor – we provide the necessary offer data.
What You vorab rechnen sollten
What's crucial is not just the installment amount, but the ratio of the installment to the expected treatment revenue. Calculate with realistic treatment numbers per week, the price per treatment, and the series length – not with peak utilization.
Additionally, plan for consumables, maintenance, training, and marketing budget. A device without demand will not amortize, regardless of the financing method.
Documents and PROCESS
For a financing request, a concrete offer with device configuration and business financial documents are usually required. For new businesses, a business plan often replaces these.
We create the required offer with full configuration; the financing partner or your bank determines the actual terms.
Keine pauschalen Conditions
Interest rates, terms, and residual values depend on creditworthiness, duration, and provider. Therefore, we deliberately do not provide example rates here – any flat figure would be misleading for your specific case.
For a reliable assessment, send us your desired configuration; you will receive an offer that you can submit directly to your bank or leasing provider.
Frequently Asked Questions
Is leasing cheaper than buying?
Not necessarily. Leasing protects liquidity, but can be more expensive over the term. The tax and balance sheet assessment should be handled by your tax advisor.
Do you provide example rates?
No. Terms depend on creditworthiness, duration, and provider. We provide a complete offer with which you can obtain specific terms.
Is financing also possible for new businesses?
The financing partner decides this. In this case, a business plan with realistic treatment and revenue assumptions is common.