There is a ton of information here, but I do not know where specifically to tell you to look. Sorry about that. With regards to the buy or lease question, in my situation it was better to buy than lease. I was fortunate enough to be able to margin an existing personal account and buy the beds. The interest rate that I have on my margin is CONSIDERABLY less than the one offer though the bank via small business loan or from a bed leasing company. Since the lease on tanning beds are not like the ones on a car - at the end of the lease you do not have the option to trade your bed in for a newer model - you own the darn thing. I wasn't going to pay 35% more for my beds due to high interest rates.I encourage you to look at all your options (small business loans, margins, leasing, etc) and discuss them with an accountant.Good luckShelly |