MIJ Associates LLC

         Why should you lease your next piece of equipment ??
         It is better than paying cash or utilizing your bank line.

 Lease Vs Buy? 




Leasing is Cost Effective




Bank Loan


Down payment

50% of cost, balance due on delivery

Usually at least 20%

Security Deposit of zero to two lease payments



Normally a maximum of three years

One to Seven years, offers more flexibility

Credit Line Effect

Loss of Liquidity

Reduces available credit line

An additional credit source

Operating Capital Effect

Can be heavy due to front-end cost

Requires more down payment than lease

Minimal due to low front-end cost

Budget Treatment

Balance sheet capitalization

Usually same as cash purchase

Often treated as operating expense

Accounting Treatment

Capitalized and recovered over at least seven years. Cumbersome depreciation records.

Usually same as cash purchase

Lease payments are generally 100% deductible from income before taxes. Permits more rapid write-off.



Higher due to shorter terms

Generally lower on FMV or 10% leases

Design & Installation Fees








Our Commitment
At MIJ Associates LLC, we treat our clients with courtesy and integrity. We guarantee realistic, honest advice that achieves results. We will assist you in obtaining the equipment you need to run your business. Our years of experience and notable expertise ensure that your equipment  leasing future is in good hands. Our consistent track record of uncompromising ethics instills confidence and trust. We use cutting edge technologies to ensure up to the minute information from the financial world. This allows us to respond quickly, and give you the most relevant structure and rates, in the business.

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