Leasing programs for community banks

You can keep your working capital free for other uses, not tied up in fixed assets. Leasing provides greater flexibility than purchasing and can protect you from being locked into owning equipment that may not meet your future needs. Your needs will change, technology will improve, and with leasing, you can upgrade your equipment within the lease term if need be.

When the lease is over, you have several options—renew your lease at a reduced payment amount, purchase the equipment, or return the equipment. Talk to your tax advisor as well. Leasing may offer tax advantages as an operating expense, so it could actually cost less in after-tax dollars than an outright purchase.

Too often, business owners simply work through their equipment vendor to secure lease terms for equipment acquisitions. For the sake of perceived convenience, they do not take the step of calling their community bank. We can often provide much more competitive terms. Why lease from HCB? Check out a full list of our holiday hours for the year. Our Holiday Hours. Read articles about finances, saving and community news. Financial Education.

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