OxyLease Capital Group is the captive finance arm of OxyHeal Health Group and provides creative financing alternatives for our customers.

As a financing partner OxyLease supplies creative thinking, a full spectrum of innovative leasing products, superior service and far-reaching support. Together OxyLease and OxyHeal have the strength, resources and creativity to offer a total solution.

The Customized Lease

Perhaps the broadest category of leases, these are most often standard leases that have been modified for a specific customer need. They may include any number of special features such as skipping payments at a certain time of the year, lower payments at the start of the lease, or deferred or graduated payment plans that match installation periods. Customized leases are designed to meet a customer’s equipment cash and tax planning needs.

The One Dollar Purchase Option Lease

Similar to a loan, with this lease the customer owns the system, makes monthly payments to the leasing company, and can usually take advantage of tax benefits such as interest deductions and depreciation. At the end of the lease term, the customer simply pays a $1 buyout and the equipment is theirs with no further obligation.

The Fair Market Value (FMV) Lease

Unlike a Dollar Lease, the customer is not considered the owner of the equipment, and does not plan to purchase the system at the end of the lease. Therefore, the customer is not allowed the tax benefit of depreciation. Instead, the leasing company depreciates the equipment and passes the benefit along to the customer in the form of lower monthly payments. When the lease ends, the customer can return the system, continue to lease it month-by-month or purchase it at fair market value. in addition, in most cases this structure is treated as an off-balance sheet item, consequently the customer is not required to report the asset or debt on their balance sheet. The monthly lease payments are a monthly expense item to the profit and loss statement.