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What is the definition of a lease?
A lease is a legally binding agreement that extends over a period of a year or more, and which involves fixed payments made on stipulated dates, by the user of the equipment to the owner of these assets.

What equipment value can we finance?
Wyse Leasing can finance assets from £1,000+VAT up to many millions.

Is my organisation suitable for a finance facility?
Companies of all sizes and types, unincorporated businesses and Public Services can make use of these forms of finance.

Why should I look for a finance agreement when a bank loan or overdraft is cheaper?
A bank loan is typically repayable upon demand and guarantees or set up fees may be necessary. Also, leasing can prove to be more tax efficient. Your existing facilities will remain in place as we are a separate finance company.

How long should the agreement be?
The maximum period should be no longer than the expected useful life of the equipment you are leasing. Other than that, you need to decide what period best suits your budget. The minimum period does not have to be in whole years. It maybe a 27 or 40 month period that matches your needs, however a typical agreement is over 36 months.

What can be included in the agreement? The whole solution can be financed including intangible elements such as software, training, cabling, consultancy and installation. Maintenance agreements can also be included as part of the package.

What type of equipment can you finance?
Our core focus is in the financing of office-based equipment such as computer hardware and software, audiovisual and telephone systems.

What are the main conditions on your finance agreements?
You should always read any legal binding document thoroughly. If in doubt, get an independent person to read the agreement and explain what the terms mean. Alternatively, a Wyse Leasing employee will be more than happy to talk through any points you would like to raise.

The main conditions are as follows:

  • The equipment does not belong to you , hence you cannot sell it
  • You must keep the equipment insured under your insurance policy
  • Interest charges can be levied for late payment
  • The rentals will only change if there is a change in taxation rates
  • The finance company or Wyse Leasing are under no circumstances responsible for the quality or maintenance of the equipment, the choice of your supplier and any warranty issues that may arise
  • Please note, there are many other important terms and conditions that you need to read. We have only highlighted a few of the conditions we are frequently asked questions about

When do the rentals start?
The first rental is usually payable within ten days of the equipment being delivered.


What happens at the end of a minimum term rental agreement?
Customers have a number of options at the end of the minimum term:

  • Continue making rental repayments
  • Terminate the agreement and return the equipment
  • Continue to rent the equipment for a reduced rental or a one off infinite rental payment.  

How do you provide an ongoing service?
An ongoing service is not just about communication with your company and asking when we can finance your next asset purchase.

It is about:

  • Providing you and your auditor with copies of agreements and details of equipment on finance
  • Liasing with insurance and/or maintenance companies where necessary
  • Supplying upgrade or settlement figures when required
  • Keeping you up to date with any new product or money saving ideas
  • Advising you when you have completed one or two years of the agreement
Advising you on asset disposals
More Information:  

Financial Services PDF's

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