Equipment Leasing Today

Businesses today can get all their equipment leasing needs met here at Farmers & Merchants Bank. Our leases are relationship based,not transaction based. There are no large fees and penalties around each corner.Businesses are treated fairly.Leasing through Farmers & Merchants Bank makes sense. Local banks are at the forefront of providing businesses with capital to grow and expand. Leasing builds on our commitment to provide you with the financial tools you need to succeed. 80% of all businesses use equipment leasing today to acquire equipment, and almost any type of equipment qualifies for a lease. If your business is considering a lease for equipment, talk to your Local Commercial Loan Officer about the common sense options available.

Leasing Options

The popularity and growth in leasing is in large part due to the wide variety of available lease options. These include: 

  • 100% Financing - No Down Payment Required
  • Variable Payment Terms For Seasonal Customers
  • Most Leases Can Be Structured To Meet Tax Objectives
  • Fixed Rate For The Lease Term

Real Advantage

We know you, and we know your business.We already have an established, trusted business relationship, and we understand your objectives when you lease. Unlike other traditional leasing companies, we never charge termination or prepayment penalties should you need flexibility during the term of your lease. In addition,coordinating all your banking and equipment financing activity with one bank is convenient and saves you valuable time.Contact Us today to find out how Farmers & Merchants Bank can meet your leasing needs. 

Tax Lease vs. Capital Lease

A tax lease is structured to provide the leasing company with equipment ownership,and along with it all depreciation benefits.In return, your lease payments are fully deductible. The documentation for a tax lease is designed to conform to all related guidelines.A capital lease, also known as a finance lease,is structured to pass all ownership benefits to you including depreciation. Only the interest portion of your lease payment is deductible,along with your depreciation expense. Such leases commonly have a $1.00 purchase option at expiration.For counsel and guidance, we recommend you discuss your specific situation with your tax advisor to assess which lease best fits your needs.