LEASING SERVICES

ACCESS THE ASSETS YOUR BUSINESS NEEDS

Leasing Services ATIB

PRODUCTIVE USE WITHOUT IMMEDIATE PURCHASE

A business may require essential machinery, vehicles or specialist equipment but prefer not to commit substantial capital to purchasing the asset outright at the beginning.

A lease may allow the client to place the asset into productive use while making agreed payments over a defined period, helping preserve liquidity for other operating and investment priorities.

Leasing may also provide greater flexibility where equipment is replaced regularly, the required period of use is shorter than the asset’s full economic life or the client does not regard immediate ownership as essential.

ATIB considers the asset, intended use, supplier, expected useful life, residual value and the client’s ability to meet the agreed payments when assessing whether a lease-based structure may be appropriate.

LEASING SOLUTIONS FOR PRODUCTIVE ASSETS

Depending on product availability, asset characteristics and client requirements, leasing may provide different ways to access and use productive assets over an agreed period.

FINANCE LEASE

A lease structure that may be suitable where the client expects to use the asset for a substantial part of its economic life, with payments structured around the agreed asset cost and lease period.

OPERATING LEASE

A structure that may suit clients requiring use of an asset for a defined period without necessarily seeking ownership, particularly where flexibility or periodic replacement is important.

SALE & LEASEBACK

A structure under which an eligible business may release capital tied up in an existing productive asset while continuing to use that asset under an agreed lease arrangement.

COMMERCIAL EQUIPMENT & FLEET LEASING

Lease-based access to eligible commercial vehicles, machinery, specialist equipment and other productive assets required for continuing business operations.

EXPLORE ASSET FINANCE

ALIGNING THE LEASE WITH COMMERCIAL USE

A lease should reflect how long the asset is required, how it contributes to the business and how comfortably the client can meet the agreed payments throughout the lease period.

  • A productive asset suited to the client’s requirement

  • Lease period aligned with expected commercial use

  • Payments structured around sustainable business cash flow

  • Ownership and use responsibilities defined clearly

  • Insurance and maintenance arrangements established appropriately

  • End-of-lease options understood from the outset

ATIB may consider the asset’s value, condition, expected useful life, residual value, supplier, maintenance requirements and suitability for the client’s business. The client’s financial position and ability to meet the lease payments remain central to the assessment, regardless of the value of the underlying asset.

ASSETS IN USE. CAPITAL PRESERVED.

Leasing can help a business place essential productive assets into use while preserving capital for inventory, suppliers, employees, growth and other financial priorities.

ATIB seeks to structure eligible leases around credible commercial use, affordable payments, appropriate asset management and clearly defined ownership and end-of-lease arrangements.

Where ownership is the primary objective, Asset Finance may be more appropriate. Broader investment requirements may connect with Term Loans, operating liquidity with Working Capital Finance, and internationally sourced equipment with Import & Export Finance.

DISCUSS A LEASING REQUIREMENT