What is it?

It's a service agreement between Dibens Leasing and the Manufacturer / Vendor so that it can increase its sales volume to end clients using leasing as a means of financing.

Who is it intended for?

Legal entities with annual revenues in excess of R$ 5 million, which manufacture and supply chattel, particularly: computer or industrial machinery and equipment; photographic equipment and photocopiers; vehicles (buses, trucks, tractors); agricultural equipment and forklifts.

As well as:

Legal entities that make term sales to other companies and that wish to receive payment upfront; Legal entities that make cash sales and that wish to offer extended payment terms to its clients;

Advantages for the Vendor / Manufacturer

Increased liquidity, since the payment is made upfront/in advance; Less need for working capital; Reduction in the average accounts receivable term; Flexibility in negotiating terms with clients (potentially increasing sales);

Characteristics

Rate: Fixed.

Lease Terms: Minimum - 24 months for assets with a useful life of up to 5 years; and 36 months for assets with a useful life greater than 5 years. Maximum - pursuant to the availability of credit and compatibility of funds. Insurance of the asset is obligatory and contracted by the leaseholder.