OFFICE EQUIPMENT
Office equipment leasing
A new office is a dozen purchases that all land in the same month. Office equipment leasing puts the copiers, the computers, the phones, the furniture and the installation on one monthly payment instead, from whichever dealers you choose. New or used, for one room or a whole floor.
What we finance
New or used, from any vendor, dealer or auction. If what you need is not on this list, ask — the list is not the limit.
- Copiers and printers
- Phone systems
- Conference room AV
- Computers and monitors
- Coffee and break room equipment
- Benching systems and open plan workstations
- Herman Miller, Steelcase, Haworth and Knoll furniture
- Height adjustable sit-stand desks and controllers
- Task and ergonomic chairs — Aeron, Leap, Gesture
- Private office casegoods, credenzas and executive desks
- Conference tables with power, data and AV cutouts
- Acoustic pods, phone booths and focus rooms
- Demountable and modular wall systems
- Reception desks, lounge and collaboration furniture
- Lockers, storage towers, filing and shelving
- Breakroom, cafe and training room furniture
- Delivery, install, reconfiguration and space planning
- Build-out and installation
What a typical office package includes
Most offices lease a mix of these, often from three or four different vendors. They can go on one agreement with one payment, or on separate ones if you would rather keep them apart.
Copiers and printers
Color and black-and-white multifunction copiers, desktop printers, finishers and print management software, for one machine or a fleet. Color and commercial copiers, and what happens at the end of a copier lease, are covered on the copier lease page.
Computers and laptops
Desktops, laptops, monitors and docking stations, plus the servers and networking behind them. Setup and installation can go on the same agreement. See computer financing and leasing.
Phone systems
Desk and conference phones, the PBX or VoIP hardware, and the cabling and installation that come with them. See business phone system financing.
Furniture and fit-out
Workstations, sit-stand desks, task chairs, private offices, conference tables, acoustic pods and reception, plus freight, delivery, installation and space planning. Furniture is often the largest line in a fit-out, and it can be financed on its own or with everything else.
How office equipment leasing works
You choose the equipment and the dealer. We pay the dealer, and you make a fixed monthly payment over a term of 24 to 60 months. Up to $150,000 is usually decided on a one-page application without financial statements. Three different arrangements get called a lease, and they are not the same.
A lease from a leasing company
A fixed term, a fixed payment and a choice of what happens at the end: return the equipment, upgrade it, or own it for $1 or at fair market value. Equipment from several vendors can sit on one agreement.
A rental
Short term, usually month to month, from a rental company that owns the equipment. It suits a temporary project or a few months' need, and over a period of years it usually costs more than a lease.
A dealer lease
Arranged by the dealer selling the equipment, often through a finance partner, and often bundled with that dealer's service. It covers what that dealer sells.
The copier lease and the service agreement are separate
A copier involves two contracts. ACG finances the equipment: the machine, its finishers and the installation. The service or maintenance agreement, which covers repairs, toner and the per-page click charge, is a contract between you and the dealer, billed by the dealer. Keeping them apart means the lease payment stays fixed whatever you print, and the service pricing can be compared on its own.
Why use a leasing company, not the dealer
Office equipment leasing companies are independent of any manufacturer or dealer. That matters most when an office is equipped from more than one source, which is most of the time.
One agreement across several vendors
The copier dealer, the furniture dealer, the IT reseller and the phone installer can all be paid under one lease, with one payment and one set of documents.
No tie to one brand
Choose the equipment and the dealer on price and service, new or used, and change dealers next time without changing how it is financed.
The dealer is paid directly
Once the agreement is signed we pay each vendor directly, so the dealer is paid as it would be for a cash sale and you don't front the invoice.
To be fair to dealers: manufacturer and dealer finance programs can carry promotional terms on their own brand, and they are worth asking about. They usually cover only what that dealer sells. Getting both quotes is the simplest way to compare.
What sets the payment on office equipment
Four things decide the monthly number. To see a range before you talk to anyone, enter the total in the equipment lease calculator. For a firm number, send the dealer quotes through the form below.
The whole cost, installed
The equipment plus freight, delivery, installation, cabling, setup and space planning. Including the soft costs makes the amount larger but keeps that cash free for deposits and the move itself.
The term
24 to 60 months. A longer term lowers the payment. Matching it to the replacement cycle, shorter for computers and copiers and longer for furniture, keeps you from paying on equipment you have already replaced.
The end-of-term option
A fair market value lease has a lower payment and suits equipment you plan to return or upgrade, such as copiers and computers. A $1 buyout lease or an equipment finance agreement costs more each month, and you own the equipment at the end, which often suits furniture.
The business applying
Time in business, credit history and the size of the transaction. Up to $150,000 is usually decided on a one-page application without financial statements, and startups are considered on personal credit and experience.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Office equipment leasing questions
What office equipment can be leased?
Almost anything a business office runs on. Copiers and printers, computers and laptops, phone systems, conference room AV, furniture, shelving and break room equipment can all be leased, new or used, with delivery and installation included. Transactions start at $10,000.
Should I lease or rent office equipment?
Rent when you need the equipment for a few weeks or months, such as a temporary project or an event. Lease when you need it for years. A lease runs a fixed term of 24 to 60 months, usually costs less over that time than renting month to month, and can end in ownership.
What happens at the end of an office equipment lease?
That depends on the structure chosen at the start. With a fair market value lease you can return the equipment, upgrade to newer equipment on a new lease, or buy it at its fair market value. With a $1 buyout lease or an equipment finance agreement you own it once the last payment is made.
Can I finance a whole office build-out on one schedule?
Yes. Furniture, technology, AV, cabling and the installation labor for a new office or a move are financed together, so the build-out is one payment instead of a dozen vendor invoices.
Can I lease office furniture?
Yes. Workstations, sit-stand desks, task chairs, casegoods, conference tables and acoustic pods are leased new or used, from any dealer, with delivery, space planning and installation included. Furniture can be financed on its own or with the technology.
Do office equipment leasing companies work with any dealer?
An independent leasing company does. We finance equipment from any dealer, manufacturer, liquidator or private seller, put several vendors on one agreement and pay each vendor directly. A dealer's own finance program usually covers only what that dealer sells, though it can carry promotional terms worth asking about.
How much does it cost to lease office equipment?
The payment depends on the total cost including delivery and installation, the term, the end-of-term option and the business applying. Send the dealer quotes you already have through the form on this page and we return payments for each term, usually the same business day.
Can I lease used or refurbished office equipment?
Yes. Refurbished copiers, workstations and remanufactured chairs are financed the same way as new, including purchases from a liquidator, and we pay the seller directly.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.