Purchasing or Leasing: Which should you choose as an SME?

5th July 2019
devices for teams by HardSoft - DaaS without Faff

As a start-up or small business, getting all of the technology you need can be a financial burden, using up money that could be best spent elsewhere within the business.

Here at HardSoft, we understand that buying the right tech is crucial for many businesses to function to their full potential, but we also know that smaller businesses have restrictions with cash flow and need a way to buy their technology in the way most of us purchase our mobile phones – with a regular monthly payment.

When looking to purchase laptops, desktops, printers and software, you have the option to either purchase it outright or lease. As a small business, it is worth weighing up the pros and cons of these options to see which will offer more benefits for your business as a whole. Although leasing can sometimes work out a little more expensive, it is the other benefits that come hand-in-hand with leasing that can make it a worthwhile option – it allows you to pay monthly and also includes support, warranty, and loan devices.

Information on how HardSoft can help different types of groups and new businesses

To help you make that all-important decision between purchasing and leasing, we have put together a simple comparison, so you can see for yourself which option will work out best for you and your business.


If you choose to purchase your equipment, you will have to spend a large amount of money initially, but the equipment will then be owned by your business with no payment plan in place. When you purchase technology outright, aside from warranty faults, you will be in charge of maintaining and protecting your tech to ensure it is kept to the best standards.

When it comes to upgrading your tech, you may have to look at selling or recycling your old equipment in whatever way possible, before making another large purchase. Overall, purchasing can work out that little bit cheaper than leasing, however, the benefits are not as extensive – especially for a small business.


Leasing is much like a mobile phone contract, but instead of monthly payments, you will pay weekly and be able to upgrade every two years. There are many benefits to leasing technology for a small business, including:

No high initial costs

Not all businesses have large sums of money that can be spent upfront on technology. Instead, this money can be spent in other areas, whilst you spread the cost of your desktops or printers out over time, balancing cashflow and keeping costs manageable.

Tax relief for businesses   

When leasing technology for your business, whether it be a laptop, some software or a desktop, it can be treated as a business expense. This means that you can claim the payment against your profits as it is 100% tax allowable.

Upgrade to the best technology

It’s important that your technology is in the best condition at all times, so you can continue to seamlessly run your business from day-to-day. When you choose to lease, you will be able to upgrade to the newest and best technology every two years, meaning you will never get left behind or end up with slow, old tech.


When you choose to lease technology for your business, you eliminate the need to dispose of old equipment or sell it on when it comes to the end of its life. You will also have ongoing technical support throughout the term of the lease, so your equipment will always be running at its best.

Purchase vs. Lease

The decision of purchasing or leasing will be unique to each business and your circumstances. If the technology in your business isn’t vital and you have the cash available for a large initial purchase, you might decide to purchase outright. However, for smaller businesses who want to balance cashflow, as well as capitalising on the many benefits that come with leasing, a leasing payment plan may be best.

Choose your solution! Flexi-Lease, Pure-Rental or Devices for Teams.

Here at HardSoft, we offer a Flexi-Lease plan for our ranges of desktops, laptops, printers and software. Lasting for three years, you can lease with a weekly payment and choose to either upgrade your equipment after two years, continue to the end of the lease so you own the equipment outright, or return the equipment and cancel the lease after two years.

We offer flexible credit criteria and have many new businesses sign up to our leasing plan who may not want to buy their equipment outright. With a decision in just 24 hours, you can be up and running with your new tech in no time!

Devices for Teams, find out more here!

We also offer Devices for Teams, which is a unique and flexible Apple DaaS (Device as a Service) subscription. This tailored solution will provide you with multiple Apple devices for a single monthly payment, giving you the option to add any Apple device throughout the subscription. Perfect for high growth businesses, you can even refresh and swap any devices after just 12 months.

If you’re interested in leasing equipment or would like to find out more about our Devices for Teams service, please don’t hesitate to get in touch. Alternatively, take a look at our range of Apple products, Windows products, printers and software.