A://RUN11IT Asset Finance
Spread the cost,
keep the kit current.
Leasing and finance arrangements for IT hardware, turning a large capital purchase into a predictable monthly operating cost with a refresh built into the term. It is for organisations that need current equipment without a large one-off spend.
THE PROBLEM
Paying for four years of equipment in a single month means the refresh cycle gets decided by the bank balance rather than by the age of the machines.
The cost of leaving this alone is rarely one visible failure. It is the slow accumulation: the workaround that became the process, the thing only one person knows, the renewal nobody questioned.
Our starting point is always the same: establish what is actually true today, then decide what to change. Work scoped against an assumption tends to solve a problem you do not have.
- 01The upfront number stops the decisionEveryone agrees the machines need replacing. Nobody wants to sign for the whole fleet in one quarter.
- 02Refresh gets deferred every yearThe capital request loses to something more urgent, and the fleet quietly ages past the point where it is costing productivity.
- 03Spending arrives in lumpsNothing for three years, then a very large quarter, which makes budgeting and cash flow forecasting harder than it needs to be.
- 04Old equipment lingersNothing forces the replacement, so machines stay in service well past the point of being economic.
WHAT YOU GET
What the engagement covers
Scoped before it starts, so you know what is included and what is not.
- 01
Capital stays in the business
Thirty laptops bought outright is a significant cheque in one month. The same fleet financed is a known monthly line that can be budgeted against, leaving working capital where it earns you something.
- 02
Cost matched to use
You pay for the equipment across the years you actually use it, rather than expensing it all in the year you happen to buy it. For most businesses that is a cleaner reflection of reality, and your accountant will have a view on the treatment.
- 03
Refresh built into the term
Replacement is scheduled at the end of term rather than negotiated under pressure when machines start failing, so you never inherit a fleet that is uniformly too old.
- 04
Disposal handled
End-of-life equipment collected, wiped to standard, and certified, which matters more than people expect when the devices held client data.
HOW WE WORK
Assess, deploy, operate, review
Four stages with a written output at each one. You always know which stage you are in and what comes next.
- 01Week 1
Assess
We document what exists today and what it needs to do, so the work is scoped against reality rather than assumption.
- 02Weeks 2 – 4
Deploy
Changes are made in a planned sequence, outside working hours where disruption would otherwise land on your staff.
- 03Ongoing
Operate
It is monitored and maintained as part of your agreement. Problems are ours to notice, not yours to report.
- 04Quarterly
Review
What it is costing, whether it still fits, and what should change before the next renewal.
WHAT CHANGES
What you should expect
- Someone other than you owns it, with that written down.
- The current state is documented and stays documented.
- Cost is planned ahead rather than discovered at renewal.
- Decisions are made against evidence rather than assumption.
FAQ
Questions we get asked
01What is IT asset finance?
Leasing and finance arrangements for IT hardware, turning a large capital purchase into a predictable monthly operating cost with a refresh built into the term. It is for organisations that need current equipment without a large one-off spend.
02Is it better to lease or buy IT equipment?
It comes down to cash flow and how you want the cost to behave. Buying is cheaper in total over the life of the equipment and leaves you owning an asset that is worth very little by the end of it. Leasing costs more overall but keeps capital in the business, makes the cost predictable, and forces a refresh you might otherwise defer for years. Growing businesses that need their capital working usually lease. Businesses with cash sitting idle usually buy.
03What is the difference between an operating lease and a finance lease?
Broadly, an operating lease is a rental where you hand the equipment back at the end, and a finance lease is closer to a purchase spread over time with ownership passing at the end. They are treated differently for accounting and tax, and the right answer depends on your circumstances. We will structure the arrangement and set out the options plainly, and your accountant should confirm the treatment before you sign.
04What happens at the end of the term?
Depending on how the agreement is structured, you hand the equipment back, buy it for a residual amount, or roll into a new term on current hardware. We set this out at the start rather than leaving it as a surprise, because an unclear end of term is where these arrangements most often go wrong.
05Can we finance software and services as well as hardware?
Often yes. Larger projects can be structured so the whole arrangement, including deployment and licensing, is spread across a term rather than landing as a single capital request. It is particularly useful for a fleet refresh or an office fit-out where the labour is a meaningful share of the cost.
06Do we need good credit or a long trading history to qualify?
Approval depends on the financier and your circumstances, and newer businesses can find the terms tighter. It is worth asking early rather than late, because knowing the answer changes how you plan the refresh either way.
07How much does IT asset finance cost in New Zealand?
We quote after scoping rather than before. Anyone pricing this work without looking at your environment is guessing, and the guess is rarely in your favour. Scoping itself is quick, and we tell you what it costs before we start it.
08How long does it take to get started with IT asset finance?
A first conversation takes about half an hour and costs nothing. Scoping is usually a week or two of our time depending on the size of the environment, and we agree the delivery dates with you before anything is booked in.
09Can you deliver IT asset finance alongside our existing IT team or provider?
Yes, and it is common. We are happy to work as an extra pair of hands under your internal team, or alongside an incumbent provider on a defined piece of work. We will set out in writing where the responsibilities split, so nothing falls between us.
10Do we have to move all of our IT to Atlas to get this?
No. This can be delivered as a standalone piece of work for an organisation we have never worked with before, or folded into a managed agreement if you already have one with us. Plenty of clients use us for one thing and keep everything else where it is.
11Do you only work with Auckland businesses?
Our team is based in Auckland and we attend sites across the wider region. Most of this work is delivered remotely, so we support organisations throughout New Zealand, and we will say up front where being on site genuinely matters.
12Who will we actually be dealing with day to day?
Named people, not a queue. You get a lead who knows your environment and stays with it, which is the difference between explaining your business once and explaining it every time you make contact.
13What happens if we want to leave?
You keep the documentation regardless, and anything registered in your name stays in your name. Whether we stay involved is your call. Some clients take it in house from there, others move it onto an ongoing agreement with us. We would rather you left cleanly than stayed because leaving was difficult.
Start with a conversation.
Tell us what you are dealing with and we will tell you whether this is the right service for it, and what it would take.
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