Lease or buy?

Factors to consider when evaluating your financing options.

Lease

Buy/Finance

Ownership advantage

Up-to-date devices with support

Straightforward purchasing process

Control over

Expenditures and cash flow

Technology life cycle

Cost

Lower upfront expenditures

Potential long-term savings

Ownership advantage

Lease

Up-to-date devices with support

Buy/Finance

Straightforward purchasing process

Control over

Lease

Expenditures and cash flow

Buy/Finance

Technology life cycle

Cost

Lease

Lower upfront expenditures

Buy/Finance

Potential long-term savings

Maximize efficiency

Choose from a wide variety of competitively priced lease or financing options for transactions of all sizes, allowing for multiple vendors and flexible installation schedules.

Contact an equipment finance expert

Simplify processes

Consolidate with one payment and one master agreement, which can include all assets. Over time, subsequent schedules can be added to the same master agreement, to save costs and time.

Contact an equipment finance expert

Achieve your tax and accounting objectives

Lease structures can be established to meet the accounting preferences you find most beneficial. Retaining Section 179 and bonus depreciation benefits could allow your business to deduct up to 100% of the cost of your capital equipment purchases. Or you may elect to have us retain tax ownership and the related benefits in exchange for a lower rate.

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Disclosures

Investment products and services are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency

The information provided represents the opinion of U.S. Bank and U.S. Bancorp Investments and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.

U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual's tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

Deposit products are offered by U.S. Bank National Association. Member FDIC. All credit products offered by U.S. Bank National Association are subject to normal credit approval and program guidelines. Eligibility requirements, other fees and conditions may apply. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice.

For U.S. Bank National Association:
Deposit products offered by U.S. Bank National Association. Member FDIC. U.S. Bank is not responsible for and does not guarantee the products, services or performance of U.S. Bancorp Investments.

For U.S. Bancorp Investments, Inc.:

Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank National Association.

Pursuant to the Securities Exchange Act of 1934, U.S. Bancorp Investments must provide clients with certain financial information. The U.S. Bancorp Investments Statement of Financial Condition is available for you to review, print and download.

The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1-800‐289‐9999 or via https://brokercheck.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.

“World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.

Financing maximums and terms are determined by borrower qualifications and use of funds. For deferred payments, interest accrues and is amortized over the remaining balance and term.

Foreign-denominated funds are subject to foreign currency exchange risk. Customers are not protected against foreign currency exchange rate fluctuations by FDIC insurance, or any other insurance or guaranty program.

Deposit accounts with non-U.S. financial institutions offered through U.S. Bank are not deposits of U.S. Bank and are not insured by the FDIC or guaranteed by any governmental agency or authority, or by U.S. Bank.