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01. What is Operating lease?

Operating lease is a contract wherein the owner, called the Lessor, permits the user, called the Lessee, to use an asset for a particular period without any transfer of ownership rights.

02. What are the benefits of operating lease to a lessee?
Minimises risk of obsolescence

Rapid technology development in the present era, has increased the risk of obsolescence in some industries. The manufacturers have to change their equipment to ensure high productivity or to improve the quality of the product.

Ideal when there are limited use needs

It doesn’t make sense to make a large cash outlay for an asset that will only be used for a short period of time.

Preserves capital and eases borrowing problems

With a lease, lessee can avoid a hefty up-front charge and can make payments as you generate cash flow with your new asset.

Provides access to added technical or administrative services

Users lacking staff or expertise of handling specialised equipment can get support from the lessor.

Tax benefits of leasing

A lease allows lessee to deduct the payments as operating expenses during the period in which they are paid. If the lessee purchases the asset, interest as well as depreciation may be deducted. In most cases, lease tax benefits turn out to be higher.

Inflation hedge

With the lease, an asset can be bought at today’s price and the payments can be made from tomorrow’s earnings, which provides inflation hedge.

Protects lessee’s balance sheet

Generally, an asset purchased increases the debt and reduces the available cash. In contrast, leases are not recorded as debt and are treated as an operating expense.

Improves lessee’s balance sheet ratio

Lease payments are accounted as operating expenses, as a result the company’s profits to fixed assets ratio improves. This in turn permits greater bank borrowing capacity, in some cases.

03. Who own’s the equipment in Operating lease?
Origa will be the owner of the equipment for the lease term.

04. How do I know if I am eligible for a lease?
The company should have been in existence for at least 1 year Operating profits should be positive.

05. How do I apply for a lease?
You can apply here Healthcare | Manufacturing and servicing or contact us at +918828099099 ( 9 AM to 9 PM IST)

06. In how many days will my lease request be sanctioned?
If all documents are in place, we can sanction within 7 days.

07. Do I need to provide a collateral to avail of a lease?
No collateral is required. You only pay a security deposit which is a small percentage of the value of the equipment.

08. When will I receive the equipment?
Once the applicants lease request is approved, we issue a sanction letter. Once the sanction letter is issued the applicant is required to pay the security deposit. After receipt of security deposit, payment is released by Origa to the OEM/ dealer and he delivers the equipment to the applicant.

09. What all documents are required to apply for a lease?
Minimum documents required: KYC documents, Financial documents: ITR for past 3 years, Bank statements: for last 6 months, Sanction letters for other finance availed

10. Can I buy the equipment at the end of the lease term?
Yes, you can. We provide an option to return and upgrade with better equipment, re-lease for a substantially lower amount, or keep the equipment in lieu of the security deposit.

11. Is this a legally and regulatory compliant way of financing?
It is 100% legal and compliant with regulations to lease. We are a RBI registered NBFC. (link on RBI website)
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© ORIGA LEASE FINANCE PVT. LTD is a RBI registered Non Banking Finance Company (NBFC).