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    7. Operating vs Financial Lease

    Operating vs Financial Lease

    Interactive comparison of the two most popular asset financing methods.

    Parameters

    €50,000
    50000
    60 mo.
    60
    20%
    20

    €10,000

    10%
    10

    €5,000

    4.5%
    4.5
    10%
    10
    Advantages of Financial Leasing
    • You acquire ownership of the asset at the end of the period.
    • The asset is recorded on the company's balance sheet (increases assets).
    • Possibility to use tax credit on the full value (depends on the asset).
    • More advantageous for long-term use (over 5 years).
    Advantages of Operating Leasing
    • Does not burden the balance sheet with liabilities (better credit indicators).
    • Monthly payments are fully recognized expenses (profit optimization).
    • VAT is paid in installments with monthly payments.
    • Flexibility - easy replacement of aging equipment.

    Graphical Comparison

    Comparison of costs and benefits

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    These calculations are for informational purposes only and do not constitute financial, tax, or legal advice. Consult a qualified professional for your specific situation.

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