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Leasing helps avoid obsolescence by allowing you to upgrade every few years. In other words, if the equipment appreciates, buy it. If the equipment depreciates, lease it. Many business owners continue to finance their equipment the old fashioned way, through loans, because they don't fully understand the potential benefits of leasing their equipment. These benefits can be seen. My Lease Rate Calculator. Equipment Lease Payment Calculator. My Equipment Lease Rate Calculator. Fixed Rate Mortgage Calculator.