PCD Financial Services

PC Direct is no longer using a catalog? Why? To make doing business with us easier than ever. Now when you order, we provide links to many of the top manufacturers so you can stay on top of the latest and greatest products available.

Once you find what you're looking for, simply copy the manufacturer's part number and use it to reference the products you want. You can call us directly toll-free, email our sales team or fax your order. By using real-time ordering, we can assure you'll be quoted the latest prices and current product availability. Relying on printed catalogs means your quoted price is months old at best.

In addition, we invite you to sign up for our monthly newsletter in order to receive regular updates on products, the latest technology and the current price breaks available.
Sign up for the PCD mailing list now.

Ordering

Once you have placed your order we provide you many ways to pay for your purchases.

• Cash
• Credit Card we accept MasterCard, Visa, and Government Purchasing Cards
• Business Checks
• C.O.D.
• Wire transfer

Also available PC Direct Preferred Leasing. See below.

Why Lease?

Many Businesses don't have the capital to invest in technology, although they need new equipment to compete effectively. This is especially true in the current economy. Leasing can help your business make the purchase and help you start competing today.

Why your business wants to lease.

Leasing is just one tool for financing the acquisition of assets. But, it may provide significant advantages over other acquisition strategies. As Dale Carnegie stated, "Buy what appreciates, lease what depreciates." With the relatively short useful life span of IT assets, leasing makes sense.

• Preservation of Capital
• Low Up-Front Costs
• Overcome Budget Constraints
• Solves Disposition Issues
• 100-Percent Financing
• Potential Tax Savings

Types Of Leases

$1 Buyout

At the end of the lease term the lessee can purchase the equipment for one dollar. This structure is ideal if the useful life of the equipment is expected to be greater than the lease term. A $1 buyout lease normally qualifies as a capital lease or finance lease. (Consult a tax advisor to verify proper tax and accounting treatment.)

10% Buyout

Under this structure, the lessee has the option to purchase the equipment for 10% of the original cost at the end of the term and the payment is lower that that in a $1 buyout lease. This structure is ideal is the useful life of the equipment may be longer than the lease term and the lessee wants a fixed purchase price. A 10% buyout lease usually qualifies as a capital or finance lease. (Consult a tax advisor to verify proper tax and accounting treatment.)

Fair Market Value Buyout (FMV)

This lease structure normally provides the lowest lease payment and normally qualifies as an operating or true lease. (Consult a tax adviser to verify proper tax and accounting treatment.) At the end of the term, the lessee has the option to purchase the equipment for its fair market value as determined at that point in time. This structure is ideal if the expected useful life of the equipment is equal to the lease term, the lessee desires the lowest monthly payment possible or the lessee desires the maximum tax benefits.
Under all types of leases the lessee as the option to purchase the equipment, return the equipment or extend the lease at the end of the term.

Comparing Financial Strategies