It is not always necessary to pay for a packaging machine in a single payment. Leasing, operational rental and Italian Sabatini grants allow access to advanced technologies by spreading the cost over time.
Financial leasing: pros, cons and when to choose it
Financial leasing is the most common form for industrial machinery. The asset is recorded on the balance sheet and depreciation is tax deductible. Rates are typically Euribor + 1.5-3.5% depending on credit profile.
- Typical duration: 36-60 months
- Down payment: 10-30% of machine value
- Rate: Euribor + 1.5-3.5%
- Final purchase option: 1-5% of original value
- Ideal for: investments over 30,000 euros, structured companies
Operational rental: flexibility without balance sheet impact
Operational rental differs from leasing: the machine stays with the lessor throughout the contract. The company pays a monthly fee that can include maintenance, insurance and replacement in case of failure. Ideal for those wishing to avoid technological obsolescence or with seasonal production.
- Monthly fee: often includes maintenance and insurance
- No obsolescence risk: ability to upgrade the machine
- Ideal for: seasonal production, start-ups, testing new products
- Disadvantage: higher total cost than purchase over the long term
Italian Sabatini grant and other subsidised instruments
The Nuova Sabatini is an interest subsidy on bank loans for purchasing new machinery. The subsidy covers 2.75% of interest on loans of 20,000-4,000,000 euros over 5 years. For Industry 4.0/5.0 assets the subsidy is 3.575%. Combining Nuova Sabatini with the 5.0 tax credit, total incentives can exceed 50% of the machine cost.
- Nuova Sabatini: 2.75% interest subsidy (3.575% for 4.0 assets)
- Loan amount: 20,000-4,000,000 euros
- Duration: max 5 years
- Combinable with: Industry 5.0 tax credit
- Estimated total incentive: 40-55% of machine cost
Want to understand how to finance your machine?
We help you evaluate the most suitable financing options: leasing, Italian Sabatini grant and Industry 5.0 tax credit in combination.
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