Services
What We do
Long-Term Purchase Agreements
The client selects an asset (new or used), and Ficapex acquires it to sell to the client. The client repays the total purchase price in monthly instalments, which include financing costs. While it operates similarly to a loan, the purchase price incorporates all financing costs, with the asset serving as security for the agreement.
Tax Benefits:
- The buyer obtains full legal, tax, and accounting ownership of the asset.
- The buyer can claim allowable deductions, such as depreciation, for the asset.
Financial Benefits:
- he buyer retains cash flow by avoiding a significant upfront payment.
- Financing is available for up to 80% or 90% of the asset’s value.
- Flexible terms allow the purchase agreement to be tailored to your needs, with options from 6 to 48 months and the ability to adjust the deposit to suit your financial circumstances.
- This arrangement does not impact your borrowing capacity or credit lines, as the agreement is not recorded as a liability on your balance sheet.
Lease-to-Own
Under a lease-to-own agreement, the client selects an asset (new or used), which Ficapex purchases and leases to the client. The client makes monthly payments during the lease term, gaining full use of the asset. At the end of the lease, the client purchases the asset for a pre-agreed price.
Tax Benefits
- Full Deduction: Monthly lease payments are fully deductible for tax purposes.
- Accelerated Depreciation: The lease can act as an accelerated depreciation method. For instance, an asset leased over 12 months can effectively be “written off” in a single year, compared to the usual depreciation period of 48 months.
- Off-Balance-Sheet Treatment: The lease is not recorded as a liability on your balance sheet, maintaining a cleaner financial position.
Financial Benefits
- Preserves Cash Flow: The lessee avoids tying up cash by financing the asset rather than purchasing it outright.
- Flexible Financing: Up to 80–90% of the asset’s value can be financed.
- Customised Terms: Lease terms can range from 6 to 48 months, with options for varying deposit amounts and a pre-agreed fixed purchase price at the end of the lease. The agreement can be tailored to meet specific financial needs.
- Protects Borrowing Capacity: Lease agreements are not classified as liabilities, ensuring access to other lines of credit and bank loans.
Other Benefits
- Simplified Accounting: Lease payments are recorded as operating expenses, streamlining bookkeeping.
- Asset Renewal: Leasing makes it easier to update or replace assets regularly, keeping your operations efficient and up-to-date.
Your Best Asset
We provide financing for a wide range of capital expenditure (Capex) assets, including:
- Vehicles: Motorbikes, cars, SUVs, vans, commercial vehicles, trailers, and boats.
- Construction Equipment: Machinery and tools used in construction projects.
- Maintenance Equipment: Landscaping, gardening, and general maintenance machinery.
- Industrial Equipment: Heavy-duty machinery and industrial tools.
- Office Furniture: Desks, chairs, storage units, and other essential office furnishings.
- Technology: IT equipment such as computers, servers, and peripherals.
- Medical Equipment: Diagnostic and treatment equipment for healthcare providers.
