{"id":29527,"date":"2023-10-18T10:52:16","date_gmt":"2023-10-18T10:52:16","guid":{"rendered":"https:\/\/swoopfunding.com\/ca\/lease-calculator\/"},"modified":"2026-03-11T07:58:43","modified_gmt":"2026-03-11T07:58:43","slug":"lease-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/ca\/business-loan-calculator\/asset-finance-calculator\/lease-calculator\/","title":{"rendered":"Lease calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"29527\" class=\"elementor elementor-29527\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6839c6 e-flex e-con-boxed e-con e-parent\" data-id=\"d6839c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f784fc elementor-widget elementor-widget-template\" data-id=\"5f784fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"40824\" class=\"elementor elementor-40824\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb78f9a e-flex e-con-boxed e-con e-parent\" data-id=\"7cb78f9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2ddc5409 e-con-full e-flex e-con e-child\" data-id=\"2ddc5409\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-494fc3a1 elementor-widget elementor-widget-heading\" data-id=\"494fc3a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Lease calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dc26726 elementor-widget elementor-widget-text-editor\" data-id=\"5dc26726\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOur lease calculator can help you make informed decisions about acquiring assets, and helping you understand the financial implications and commitments associated with leasing arrangements.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53a33df elementor-widget__width-inherit elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"53a33df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n\n\n\n\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"53aa8807dec7e10d38f59f32\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"95px\" data-style-width=\"160px\" data-theme=\"light\" data-token=\"75678bf0-071e-4356-8a6b-93beb5a68f32\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24aed85c elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"24aed85c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Lease calculator\",\n          \n          \"datePublished\": \"2023-10-18T10:52:16+00:00\",\n          \"dateModified\": \"2026-03-11T07:58:43+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Ian Hawkins\",\n              \"url\": \"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/\" aria-label=\"Ian Hawkins\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"Ian Hawkins\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/\">Ian Hawkins<\/a>. <span>Last reviewed on March 11, 2026<\/span>. <span>Next review due April 1, 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Ian Hawkins<\/div>\n <div class=\"role-user\">Head of Content<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed25914 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"ed25914\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3be5c62d e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"3be5c62d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dffd8a2 elementor-widget elementor-widget-image\" data-id=\"7dffd8a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"682\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-1024x682.jpg\" class=\"attachment-large size-large wp-image-40823\" alt=\"\" srcset=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-1024x682.jpg 1024w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-300x200.jpg 300w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-768x512.jpg 768w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-30x20.jpg 30w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-80x53.jpg 80w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2df328 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2df328\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0de743c\" data-id=\"0de743c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f89b0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f89b0d\" data-element_type=\"section\" data-e-type=\"section\" id=\"calculator\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-63e224a\" data-id=\"63e224a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e48297 elementor-widget elementor-widget-ucaddon_lease_calculator\" data-id=\"1e48297\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_lease_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n<div id=\"lease-calculator\" class=\"form-calculator\" >\n <div class=\"left_column\">\n\n <ul class=\"nav nav-tabs nav-justified\" id=\"tabs\">\n <li class=\"nav-item\">\n <a class=\"nav-link active\" data-toggle=\"tab\" href=\"#fixedRate\">Fixed rate<\/a>\n <\/li>\n <li class=\"nav-item\">\n <a class=\"nav-link\" data-toggle=\"tab\" href=\"#fixedPay\">Fixed pay<\/a>\n <\/li>\n <\/ul>\n \n <div class=\"tab-content\">\n\n <div id=\"fixedRate\" class=\"tab-pane active\">\n <form id=\"fixedRateForm\">\n <div class=\"form-group\">\n <label for=\"assetValueFixedRate\">Asset value<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" id=\"assetValueFixedRate\" name=\"assetValueFixedRate\" class=\"form-control mask-money\" value=\"20000\" inputmode=\"numeric\" aria-label=\"Asset value\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"residualValueFixedRate\">Residual value<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" id=\"residualValueFixedRate\" name=\"residualValueFixedRate\" class=\"form-control mask-money\" value=\"8000\" inputmode=\"numeric\" aria-label=\"Residual value\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"leaseTermFixedRate\">Lease term<\/label>\n <div class=\"tag-number\">\n <span id=\"leaseTermValueFixedRate\" class=\"value-tag\">3<\/span> years <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" class=\"slider\" id=\"leaseTermFixedRate\" name=\"leaseTermFixedRate\" value=\"3\" min=\"1\" max=\"30\" step=\"1\" aria-label=\"Lease term\">\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"interestRateFixedRate\">Interest Rate<\/label>\n <div class=\"tag-number\">\n <span id=\"interestRateValueFixedRate\" class=\"value-tag\">6<\/span>%\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" class=\"slider\" id=\"interestRateFixedRate\" name=\"interestRateFixedRate\" value=\"6\" min=\"0.1\" max=\"20\" step=\"0.1\" aria-label=\"Interest Rate\">\n <\/div>\n <\/div>\n <\/form>\n <\/div>\n\n <div id=\"fixedPay\" class=\"tab-pane\">\n <form id=\"fixedPayForm\">\n <div class=\"form-group\">\n <label for=\"assetValueFixedPay\">Asset value<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" id=\"assetValueFixedPay\" name=\"assetValueFixedPay\" class=\"form-control mask-money\" value=\"20000\" inputmode=\"numeric\" aria-label=\"Asset value\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"residualValueFixedPay\">Residual value<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" id=\"residualValueFixedPay\" name=\"residualValueFixedPay\" class=\"form-control mask-money\" value=\"8000\" inputmode=\"numeric\" aria-label=\"Residual value\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <label for=\"monthlyPayment\">Monthly Payment<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" id=\"monthlyPaymentFixedPay\" class=\"form-control mask-money\" value=\"400\" inputmode=\"numeric\" aria-label=\"Monthly Payment\" required>\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"leaseTermFixedPay\">Lease term<\/label>\n <div class=\"tag-number\">\n <span id=\"leaseTermValueFixedPay\" class=\"value-tag\">3<\/span> years <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" class=\"slider\" id=\"leaseTermFixedPay\" name=\"leaseTermFixedPay\" value=\"3\" min=\"1\" max=\"30\" step=\"1\" aria-label=\"Lease term\">\n <\/div>\n <\/div>\n <\/form>\n <\/div>\n\n <\/div>\n\n <p class=\"note-calculator\">This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.<\/p>\n\n <\/div>\n \n <div class=\"right_column\">\n <p class=\"title\">Your results<\/p>\n\n <div id=\"resultsFixedRate\" class=\"show-number\" style=\"display: block;\">\n <p class=\"title-result\">Monthly lease payment<\/p>\n <p class=\"number-result\">$<span id=\"monthlyPaymentFixedRate\">0<\/span><\/p>\n <p class=\"title-result\">Total payments<\/p>\n <p class=\"number-result\">$<span id=\"totalPaymentsFixedRate\">0<\/span><\/p>\n <p class=\"title-result\">Total interest<\/p>\n <p class=\"number-result\">$<span id=\"totalInterestFixedRate\">0<\/span><\/p>\n <\/div>\n \n <div id=\"resultsFixedPay\" class=\"show-number\" style=\"display: none;\">\n <p class=\"title-result\">Interest rate<\/p>\n <p class=\"number-result\"><span id=\"interestRateFixedPay\">0<\/span>%<\/p>\n <p class=\"title-result\">Total payments<\/p>\n <p class=\"number-result\">$<span id=\"totalPaymentsFixedPay\">0<\/span><\/p>\n <p class=\"title-result\">Total interest<\/p>\n <p class=\"number-result\">$<span id=\"totalInterestFixedPay\">0<\/span><\/p>\n <p id=\"warningFixedPay\"><\/p>\n <\/div>\n\n <a href=\"https:\/\/app.swoopfunding.ca\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\" rel=\"noopener\">Get a quote<\/a>\n\n <\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-4402ddd e-flex e-con-boxed e-con e-parent\" data-id=\"4402ddd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f94e971 elementor-widget elementor-widget-heading\" data-id=\"f94e971\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a lease?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d1f403 elementor-widget elementor-widget-text-editor\" data-id=\"3d1f403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Most businesses need expensive assets to produce the goods and services they sell. These assets are typically cars, vans, plant, and machinery. Without them, many businesses simply cannot function. However, buying big-ticket items can create problems with cash flow, and for companies with seasonal finances, spending a large sum all at once may be impossible. But not to worry. Say hello to the <a href=\"https:\/\/swoopfunding.com\/ca\/knowledge-hub\/finance-lease\/\">finance lease<\/a> \u2013 the low-cost way for businesses to secure the major tools they need.<\/p><p>Buy over time with a low deposit. Roll maintenance and repairs into the deal. Reclaim tax and <a href=\"https:\/\/swoopfunding.com\/ca\/business-glossary\/goods-and-services-tax\/\">GST<\/a>. Finance leasing is fast, flexible, and affordable. Give your business what it needs without creating a financial crunch.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4aea8ce e-flex e-con-boxed e-con e-parent\" data-id=\"4aea8ce\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbd260b elementor-widget elementor-widget-heading\" data-id=\"bbd260b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does a lease work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-235a57c elementor-widget elementor-widget-text-editor\" data-id=\"235a57c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The term \u2018lease\u2019 has become popular in asset financing that is not a dedicated purchase agreement (such as hire purchase). In fact, there are three main types of lease:<\/p><h3>Finance lease<\/h3><p>A <a href=\"https:\/\/swoopfunding.com\/ca\/knowledge-hub\/finance-lease\/\">finance lease<\/a> lets your business use an asset for a fixed period and a fixed monthly rental cost. At the end of the agreement, the business can purchase the asset for a pre-agreed sum. A finance lease helps businesses spread the cost of the asset over time with lower monthly payments than outright purchase. In many cases, (except for company cars), businesses can reclaim 100% of the GST\/HST on the monthly cost \u2013 including any maintenance charges.<\/p><h3>Operating lease<\/h3><p><a href=\"https:\/\/swoopfunding.com\/ca\/business-glossary\/operating-lease\/\">Operating lease<\/a> is similar to a finance lease, but the lessee (you) cannot purchase the asset at the end of the contract. The agreement includes a <a href=\"https:\/\/swoopfunding.com\/ca\/business-glossary\/residual-value\/\">residual value<\/a> based on the lease period and the estimated value of the asset at the end of the contract.<\/p><p>At the end of the agreement, the asset is sold to a third party on behalf of the finance company. If the asset sells for more than the residual value, the finance company refunds a percentage of the surplus to you. If the asset sells for less than the residual value, you must make an additional payment to the finance company.<\/p><p>An operating lease allows businesses to use the asset for a lower monthly cost than finance leasing or buying an asset with hire purchase. Depending on the asset being leased, operating leases may include maintenance and repairs. In many cases, (except for company cars), businesses can reclaim 100% of the GST\/HST on the monthly cost \u2013 including any maintenance charges.<\/p><p>Read more about <a href=\"https:\/\/swoopfunding.com\/ca\/blog\/finance-lease-vs-operating-lease\/\">finance <span class=\"highlight\">lease<\/span>\u00a0vs. operating\u00a0<span class=\"highlight\">lease<\/span>\u00a0\u2013 what\u2019s the difference?<\/a><\/p><h3>Contract hire<\/h3><p>The simplest form of lease. Contract hire is a long-term rental. The business rents the asset for a fixed term \u2013 typically 2-3 years \u2013 and pays a fixed monthly amount for its use. Maintenance and repairs are usually included. At the end of the contract, the business hands the asset back to the lessor. There is no residual value to meet and no option to buy the asset. In many cases, (except for company cars), businesses can re-claim 100% of the GST\/HST on the monthly cost \u2013 including any maintenance charges.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17ab600 elementor-widget elementor-widget-heading\" data-id=\"17ab600\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Example of leasing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26f3f5c elementor-widget elementor-widget-text-editor\" data-id=\"26f3f5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>ABC Plumbers need a new van for their business. Instead of paying cash or opting for a hire-purchase agreement with higher monthly payments, they choose to lease a new vehicle. The deal they select is an operating lease. It works like this:<\/p><p>The van costs $25,000. The lessor (lender) offers to lease the van to ABC (the lessee) for $450 per month, including service costs, for 48 months. The residual value is set at $5,000. ABC pays a one-month deposit of $450 and drives their new vehicle away. Over four years, they pay a total of $21,600 for the use of the van. At the end of the contract, the vehicle is sold for $7,000 \u2013 $2,000 more than the agreed residual value. The lessor passes 95% of $2,000 back to ABC. They receive $1,900, which they use to lease a new vehicle and put the surplus cash back into their business.<\/p><p><a href=\"https:\/\/swoopfunding.com\/ca\/business-loans\/asset-finance\/equipment-leasing\/\">Read more<\/a> about equipment leasing and options available for you.\u00a0\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dd5356f e-flex e-con-boxed e-con e-parent\" data-id=\"dd5356f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-185ea0a e-flex e-con-boxed e-con e-child\" data-id=\"185ea0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83b4388 elementor-widget elementor-widget-heading\" data-id=\"83b4388\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cded58 align-at-right uael-faq-box-layout-yes elementor-widget elementor-widget-uael-faq\" data-id=\"5cded58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<div id='uael-faq-wrapper-973' class=\"uael-faq-wrapper\">\n\t\t\t\t<div class=\"uael-faq-container uael-faq-layout-accordion\" data-layout=\"accordion\" >\n\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-18d6be0\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-right\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-18d6be0 uael-question-span\" tabindex=\"0\" id=\"uael-faq-1-69e918d089e4b\"> What is the lease residual value?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 juice:w-full juice:items-end overflow-x-auto gap-2\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"61d8c11e-34fc-4684-8312-a5061796c66b\"><div class=\"flex w-full flex-col gap-1 juice:empty:hidden juice:first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert dark\"><p>The lease <a href=\"https:\/\/swoopfunding.com\/ca\/business-glossary\/residual-value\/\">residual value<\/a> is the anticipated market worth of an asset when a lease ends. It's crucial in lease agreements, especially in operating leases. This value affects monthly payments: higher residual value means lower payments. Businesses agree on this value upfront, and it can impact costs at lease-end based on how the asset's actual market value compares. Understanding this helps in choosing the right lease option for financial planning and cash flow management.\u00a0<\/p><\/div><\/div><\/div><\/div><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-c06fe1e\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-right\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-c06fe1e uael-question-span\" tabindex=\"0\" id=\"uael-faq-2-69e918d089eb5\">How is the lease payment calculated?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 juice:w-full juice:items-end overflow-x-auto gap-2\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"9ece4fa8-18f4-40e1-9f4d-afb81fbbf81c\"><div class=\"flex w-full flex-col gap-1 juice:empty:hidden juice:first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert dark\"><p>Lease calculations are quite straightforward but involve a few key factors: the lease term, monthly rent, and any extra charges. Typically, you calculate it on a monthly basis by multiplying the monthly rent by the number of months in the lease term. For instance, if your monthly rent is $1,000 and the lease runs for 24 months, your total lease amount would be $24,000. Additional costs like security deposits and utilities might also factor into the calculation.<\/p><\/div><\/div><\/div><\/div><div class=\"mt-1 flex gap-3 empty:hidden juice:-ml-3\"><div class=\"items-center justify-start rounded-xl p-1 flex\"><div class=\"flex items-center\"><div class=\"flex\">\u00a0<\/div><div class=\"flex items-center pb-0.5 juice:pb-0\"><div class=\"[&amp;_svg]:h-full [&amp;_svg]:w-full icon-md h-4 w-4\">\u00a0<\/div><span class=\"line-clamp-1 text-sm\">3.5<\/span><\/div><\/div><\/div><\/div><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-e1e2ba1\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-right\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-e1e2ba1 uael-question-span\" tabindex=\"0\" id=\"uael-faq-3-69e918d089ef4\">How much should you put down on a lease?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><div class=\"flex flex-grow flex-col max-w-full\"><div class=\"min-h-[20px] text-message flex flex-col items-start whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 juice:w-full juice:items-end overflow-x-auto gap-2\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"c7ab4458-c9c9-4769-babe-820b2aa8918b\"><div class=\"flex w-full flex-col gap-1 juice:empty:hidden juice:first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert dark\"><p>When you lease an asset, the upfront payment, or down payment, can vary based on factors like the asset type, lessor, and lease duration. Typically, aiming for 10% to 20% of the total lease amount is a good starting point. However, some leases might ask for more or less upfront. Before deciding, think about your budget, the asset's worth, and the lease terms. A higher down payment could lower your monthly costs and overall lease expenses, though it might also tie up more of your capital.<\/p><\/div><\/div><\/div><\/div><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ffb551 e-flex e-con-boxed e-con e-parent\" data-id=\"5ffb551\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93b7706 elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"93b7706\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div 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\n<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Our lease calculator can help you make informed decisions about acquiring assets, and helping you understand the financial implications and commitments associated with leasing arrangements.<\/p>\n","protected":false},"author":43,"featured_media":0,"parent":17791,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-29527","page","type-page","status-publish","hentry"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>Our lease calculator can help you make informed decisions about acquiring assets, and helping you understand the financial implications and commitments associated with leasing arrangements.<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Ian Hawkins","url":"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/29527","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/comments?post=29527"}],"version-history":[{"count":23,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/29527\/revisions"}],"predecessor-version":[{"id":40943,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/29527\/revisions\/40943"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/17791"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/media?parent=29527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}