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An Equity Upgrade Lease from IBM Global Financing lets your clients use the equity in their existing purchased equipment to finance upgrades without changing the accounting treatment of their assets. It keeps their payments low, and requires no current period book write-off. This is an outstanding opportunity to help them convert their IT equipment strategy from ownership to leasing, and offers highly competitive rates while eliminating the risks of ownership such as equipment obsolescence and disposal.
With an Equity Upgrade Lease, IBM Global Financing writes a Fair Market Value lease on the upgrade, crediting your client for the equity they have already built up in their purchased base. As part of the agreement, the client signs a document renouncing ownership in the leased assets at the end of the lease term, when title for the equipment will be transferred to IBM Global Financing. Even the disposal of your client's assets will be managed by IBM Global Financing in accordance with EPA guidelines, and United States federal, state and local laws.
Because the client retains title to the equipment for the duration of the lease period, an Equity Upgrade Lease doesn't require them to change their accounting treatment of the assets, so they won't suffer a book loss on the investments they've already made.