To start a commercial leasing application, we require the financial statements for the last two fiscal years, the AFIP registration certificate, the updated company bylaws, and a technical description of the equipment to be financed. Depending on the amount, we may request an additional payment capacity report.

Terms vary depending on the asset's useful life and the company's risk profile. For heavy industrial machinery, we offer financing from 12 to 60 months. In leasing operations, the contract is usually aligned with the equipment's tax depreciation, with a purchase option at the end of the period.

Yes, operating lease is not recorded as bank debt on the liability side, but as an operating expense. This can improve ratios such as leverage and liquidity. At Candorloans, we advise each client to structure the transaction in a way that properly reflects their financial reality without distorting the financial statements.

Lease payments are deductible from Income Tax as an operating expense. Additionally, the VAT on the payments can be claimed as a tax credit. The Leasing Law allows for accelerated depreciation of the asset, which generates significant tax savings in the first years of the contract. We recommend consulting with your trusted accountant to evaluate your specific case.

The rate is composed of a spread over the market reference rate (Badlar or CER) plus a margin that reflects the company's credit risk and the equipment's guarantee. At Candorloans, we use transparent amortization calculators that show the total financial cost with no hidden fees. Each application receives a personalized proposal after the risk analysis.