JEOL Financial Services – Opening Doors to Innovation

Invest in the technology you need—without the financial burden. JEOL offers fixed low-rate financing with simple documentation so that you can spend less time evaluating your finances and more time focused on your work. Work with our team of experienced finance professionals to design a payment plan that works within your budget and timeline.

Ask your JEOL account manager about current promotional financing rates!

Benefits of Leasing and Financing

Preserve Cash
Keep cash on hand for unexpected purchases, hiring, projects, etc.

Remain Competitive
Choosing between multiple important initiatives can mean falling behind—get started on multiple projects now by spreading the costs over multiple budget cycles.

Achieve Predictability
Understand exactly how much you’ll be paying so that you can properly budget for future expenses. 

Utilize Your Capital Or Operating Budget
Take advantage of the flexibility that leasing offers. 

Customize Your Payment Structure
Distribute your payments over a period of time that makes sense for you, with fixed, variable and balloon payment options. 

Forgo the Fees, Covenants and Blanket Liens
Eliminate the inconveniences of working with a bank. 

Apply Grant Money
Use your grant money as a down payment or choose to make low payments until the grant money becomes available.

Basic Financing Structures

Capital Lease
A $1 Buyout financing structure offers fixed payments throughout the life of the lease. Then, at the end of the term, you purchase the solution for $1. This option is best for those who intend to use the solution for a long period of time and would like to own the solution at the end of the term.

Operating Lease
A Fair Market Value (FMV) lease structure provides maximum flexibility and is best suited for those who are unsure whether they would like to purchase the solution, or for those who only intend to use the solution for a short period of time (1-5 years). At the end of the lease term, you have the option to:

  1. Return it
  2. Purchase it for the Fair Market Value
  3. Continue leasing it

Hybrid Lease
The hybrid lease structure boasts the lowest monthly payments with moderate end-of term flexibility. At the end of the term, choose to purchase the solution for a fixed purchase price, or continue leasing until the budget to purchase the solution becomes available. This structure is best for those who intend to own the solution and prefer the lowest monthly payments available.

Customization Options

Our basic lease structures are highly customizable. Your JEOL Finance Program Manager will work with you to design a structure that best meets your needs. Customization options include, but are not limited to:

  • Term length – 12–60-month terms
  • Monthly, quarterly, or annual payments
  • Deferred payments – Delay your first payment for up to 90 days 
  • Bridge-to-Budget – Make little or no payments for up to 6 months, “bridging” the gap between now and your next budget cycle
  • Fixed or variable payments. Variable payment options may include:
    • Step Payments – Start with smaller payments that grow over time—or larger payments that decrease over time
    • Seasonal Payments – Align your payment schedule with your organization’s typical seasonal cash flow

Cost Bundling

Bundle your equipment, maintenance and warranty costs into one monthly, quarterly, or annual payment.

Are there other costs associated with your overall project? We bundle those into your lease payments as well!

Focused on Your Industry

Feel confident financing your solutions with a company who understands the nuances of your industry, the projects you’re passionate about, and the products you’re acquiring. Our team of financial professionals will work with you to craft a financing structure that will meet your unique needs.

Academia
Innovative technology is necessary for attracting and retaining faculty and students. Our team is passionate about helping academic institutions advance your research programs and achieve your goals. Whether you need to align your financing schedule to current and future grants, acquire your JEOL solution before the capital budget becomes available, or simply spread your payments out over multiple budget cycles, we’ll work with you to design a payment solution that meets your needs.

Municipalities
Overcome your growing budgetary constraints by accessing future years’ budget dollars with a Municipal Lease. We understand the financial complexities surrounding publicly funded entities and will work with you to customize your lease to meet your project requirements and get you the funding you need, now.

Commercial
Innovative technology is essential to continuing to move your organization forward within a competitive market. We understand that there are often competing priorities when considering investing in new projects and resources, which can be challenging. We’ll work with you to design a payment plan for your technology, software, and service needs that will spread your payments over multiple budget cycles, allowing you to complete multiple strategic initiatives, now.