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Low Monthly-cost Leasing for Business

At KRCS, we have partnered with Apple Financial Services to offer business-friendly finance for our customers. The aim is to provide the lowest possible monthly or quarterly payments, to spread the cost of using the devices over the whole time your business requires them.

We can offer Mac, iPad and iPhone on this leasing plan, plus any other technology that you may need with the Apple devices. You can even add AppleCare+ to the lease if required.

You pay no deposit, and then monthly or quarterly payments over the period you wish to use the devices, typically 2 or 3 years. At the end of the period you have the flexibility to either return the devices and upgrade to the latest technology, or purchase the devices at a fair market value.

In our opinion, this gives you the most flexibility and keeps outgoings to an absolute minimum. This type of lease rental gives you the flexibility to decide at the end whether the equipment still meets your requirements, or whether the latest technology would suit you better. There is no need to make this decision at the beginning.

We know finance and leasing can be confusing, so please call our dedicated commercial team on 0115 985 1797 or email on and let us explain all the detail, and give you a simple cost illustration.


Example (Correct as of June 2021)
3-Year Lease Rental of iMac 24-inch M1 8-core CPU 8-core GPU 8GB RAM 256GB SSD with four USB ports and Ethernet (MGPH3B/A)

Price on Apple UK web site

£1,207.50 + VAT

Deposit with KRCS/Apple Financial Service Lease Rental


Payment Frequency

Quarterly (12 payments, 3 Years)

Payment (per quarter)

£81.24 + VAT

Total Payments

£974.88 + VAT

Saving from Apple UK Web site price

19% (£232.62 + VAT)

Comparison of Lease Rental versus simple up-front purchase

Apple Financial Services Lease Rental

Upfront purchase on invoice or credit/debit card

Payments total less than the cash price of the devices

Pay the market rate up front for the devices

Spread the cost of using the equipment over 2 or 3 years from revenue expenditure budget

Pay all up front from capital expenditure budget and tie up cash

Tax efficient - businesses can usually deduct the full cost of lease rentals from taxable income *

No particular tax efficiency

Allows for technology refresh planning - the lease has a natural end date to keep your business up to date

Temptation is to run hardware for too long and allow it to become obsolete

Option to own at the end - or simply return the device and upgrade

You own the device from the beginning

*please consult your accountant or financial advisor for applicability to your business.

Apple Financial Services is provided by BNP Paribas Leasing Solutions Ltd, Northern Cross, Basing View, Basingstoke, RG21 4HL, registered in England No. 901225, authorised and regulated by the Financial Conduct Authority. Finance is subject to credit approval and contractual agreement. VAT is due with each rental payment and you will not own the equipment at the end of the agreement. Neither BNP Paribas nor KRCS provide tax advise, please refer to your accountant or auditor for lease accounting advice. A documentation fee of £83.33 + VAT will apply to all new agreements, and the minimum equipment value is £1,000. Terms and Conditions apply.

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