0% Financing Available + Deferred Payment Options
If you want simple ways to consume technology solutions we are here to help you deliver complex solutions with a single monthly payment.
UCDirect Financing is offering 0% across the stream of payments plus we have deferred payment options.
Whether your customers’ budgets are constrained or they’d prefer to use their cash in other areas, this promo enables your customers to leverage their money how they prefer. (Offer excludes Quebec.)
Financing
Month Term
FMV Lease Option
Hardware Through UC
Applies to UC hardware quotes totaling between $1,000 and $500,000.
Offer is valid through 12/31/2025 and subject to change or cancellation at any time.
At the end of the agreement, four simple options are available for customers:
1
Upgrade to New Hardware Devices
2
Continue Renting Hardware Month-to-Month
3
Buyout Hardware to OWN (Capped at 15% of Original Project Cost. Example: $425K project buyout would be $63,750)
4
Return Hardware
Divide cost of quote into 36 monthly payments.
Example:
$425,000 /
36
Monthly Payments
= $11,805.56
+ Tax
Interested in Financing?
Reach Out Today!
UCDirect Financing™
Financing Structures
$1 Buyout FMV
Benefits Accounted for on balance sheet and depreciated Lowest monthly payment
End of Term Own equipment after final payment of term length Flexibility to upgrade, purchase, continue renting, or return equipment
$1 Buyout Lease
In this lease type, the customer owns the equipment at the end of the term length indicated. They may be able to write off a portion of the cost of the equipment in the first year under the Section 179 and Bonus Depreciation deductions. For example, in 2024 you could deduct 60% of the purchase price on your federal return in the tax year in which the equipment, including used equipment, was put in service. The $1 buyout lease has the highest monthly payment compared to other leases; and, this lease may not be the best choice if the customer has intentions to upgrade their technology, as they own it outright.
Fair Market Value (FMV)
This lease type offers a customer the lowest monthly payment for financed equipment. The customer has the option to purchase the equipment at the end of the lease for its fair market value (residual capped at 15% of orginal equipment cost). They can also return it, go into month-to-month renewal payments, or upgrade their technology for a brand-new stack. This last option results in a new sale for you and your customer will enjoy the latest technology at roughly the same price as their old monthly payment! For the duration of the lease, the equipment may be treated as a deductible operating expense.

Technology Financing

Frequently Asked Questions

Financing preserves cash, protects credit lines, and is eligible for tax benefits. It also helps you budget monthly expenses.

There are some cases where outright buying equipment makes sense, but at the rate technology is evolving you may end up owning an obsolete system. Ask yourself two questions to determine whether financing is right for you.

How else can you use your cash or credit lines?

Many companies use cash to hire new employees, invest in marketing and future company growth, or for unforeseen emergencies.

Are you prepared to make another capital investment to upgrade this system in 3-5 years?

Financing puts you on a monthly budget, and by the time the system is outdated, you will be able to upgrade an already budgeted item and keep a comparable monthly payment.

According to the Equipment Leasing & Finance Association, 7 in 10 businesses in the United States use some form of financing to acquire equipment (excludes credit cards). Financing provides benefits to businesses large and small.

We provide financing with no money down on most transactions. Bank loans or credit lines will often require money down to initiate the transaction.

Customers typically choose between $1 Buyout, Fair Market Value, or rental agreement. Many customers choose a rental program to keep their technology current, and for operating expense benefits.

Typically, a $1 buyout lease is a capital purchase. It is recorded on your books as an asset, and you can benefit from the Section 179 tax break. However, if you are looking for something that you can treat as an operating expense, renting the equipment through a finance rental agreement could be the best option. Check with your accountant to see which benefits suit you best.

Yes, adding equipment to your agreement during the term is simple. Most times, add-ons are co-terminus, making the new payment end at the same time as the original lease.

Not always. Many banks and financial institutions have hidden fees in their finance agreements. Fees can include automatic renewal payments (some up to a year), fees to process taxes, interim rent, and high Fair Market Value residuals. Before making a decision, read through the proposed finance agreement and be sure you will not be surprised by hidden fees.

Leasing Technology can provide a flexible alternative to paying cash.
Technology advances at rapid speed, and outdated devices can leave you open to security vulnerabilities. By leasing technology through a simple monthly payment, you protect your cash flow and enjoy the flexibility to refresh your technology in a cost-effective way.
No Need to Compromise
Don’t delay putting the latest and best equipment/software to work for you. Enjoy productivity improvement with the right tool for the job when you need it.
Low monthly payments
We can customize a lease plan that will fit your budget needs. Payments are often lower than conventional financing.
Financing
Leasing offers you the productivity of the equipment/technology you require while managing cash flow needs. Additionally, soft costs such as installation, freight, or equipment set up and service contracts can be included in the monthly payment.
No Down Payment
Preserve and protect your cash flow by keeping your money available to work for you rather than sinking it into a depreciating asset.
Provides a hedge against inflation
Lease payments are fixed and allow you to pay for today’s equipment/software with tomorrow’s dollars as you earn.
Flexible lease terms
Choose from a variety of lease terms to suit your individual needs. We will quote various options so you can make an informed decision.
Preserves cash and credit lines
Leasing is a proven way to conserve capital while acquiring needed equipment/software. Leasing does not tie up existing credit lines. It allows you to keep capital available for critical, growth driving areas such as personnel, inventory, or advertising.
Easier budgeting
Fixed monthly payments allow you to accurately forecast budgets.
UCFinancing™
Financing Process
1
Submit opportunity to your sales support rep
  • Send app through info-zone, email, or phone call
  • Include the customer’s name, address, and phone number
  • Include the total project cost and/or monthly payment needed
2
You will be contacted with a credit decision within an hour
  • “Yes” – You’ll receive an automated approval letter
  • “Pending” – This means we need more information and someone will contact you directly
  • “No” – If the customer’s declined, we’ll reach out with an explanation
3
Move forward with leasing
  • Notify UCFinancing that the you’ve agreed and you’re ready for agreement documents
  • Include the final equipment schedule
  • UCFinancing provides documents for you to sign
4
Sign lease agreement
  • Scan and email original documents to UCFinancing representative
  • Must be a clean, scanned copy – pictures of the document don’t work
5
Send us the invoice and include the following:
  • Bill To:
    UCFinancing
    2075 West Governors Circle
    Houston, TX 77092
  • Ship To:
    Your name and address
  • The list of equipment
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