Dell
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Mehmi Financial Group helps businesses finance and lease Dell equipment, including technology equipment, in Canada and the USA. As a brokerage, we compare options from banks, equipment finance companies and alternative lenders for new and used Dell units, from dealer purchases to private sales. Approval, rates and terms are set by each lender.
About Dell enterprise equipment
Dell Technologies sells servers, storage and computing equipment to businesses. Its enterprise storage range includes PowerStore, a unified all-flash storage platform for private clouds and diverse workloads.
Dell equipment on our list
Our list includes Dell EMC PowerStore and Unity storage systems, used by businesses, clinics, schools and municipalities.
How lenders view IT equipment
Servers and storage have short useful lives, so lenders focus on the business's cash flow and credit. They review the quote, including software, support and installation.
Financing Dell equipment
Fair market value leases with upgrade options suit IT infrastructure. Software and services can sometimes be included.
How Dell equipment financing works
Most Dell purchases are financed with an equipment loan or a lease. A loan gives you ownership from day one, with the lender registering a security interest (PPSA in Canada, UCC in the USA). A lease keeps title with the lessor and can lower the monthly payment, with a buyout, renewal or return option at the end.
What lenders check on a Dell technology equipment
Lenders look at the useful life of the technology, software and licensing costs, and how quickly the equipment may need upgrading. Shorter terms or upgrade options are common.
Expect to provide a credit application, recent business bank statements, the dealer quote or bill of sale with serial number and age, and financial statements or tax returns for larger amounts.
See the full list of eligible equipment, compare equipment financing options, or estimate payments with the equipment financing calculator.
All Dell models with financing pages
| Model | Type | Category |
|---|---|---|
| Dell EMC Powerstore 3000T Storage | Equipment | Technology |
| Dell EMC Unity 500 Storage | Equipment | Technology |
| Dell Poweredge R730 Server | Equipment | Technology |
| Dell Poweredge R750 Server | Equipment | Technology |
| Dell Poweredge R940 Server | Equipment | Technology |
| Dell Technologies | Equipment | Technology |
Tax treatment of Dell equipment
In Canada, the CCA class depends on the asset and how it is used. Your accountant can confirm the right class. With a loan, you generally claim capital cost allowance and deduct interest. With a true operating lease, lease payments are generally deductible instead. See the CRA classes of depreciable property. In the USA, Section 179 and bonus depreciation may apply; see IRS Publication 946. Always confirm with your accountant.
End-of-term options on a Dell lease
A $1 buyout lease is built for ownership: you keep the machine for a nominal amount at the end. A fair market value lease usually has a lower payment, and at the end you can buy the equipment at its market value, return it or upgrade. Read the return conditions, such as hour limits and wear standards, before you sign.
Who finances Dell equipment
Technology: IT service firms, data-driven operations, offices and clinics upgrading systems, and technology resellers finance Dell equipment to take on new work, replace aging units or add capacity.
The right structure depends on how the equipment earns money. A machine tied to a long contract can support a longer term, while seasonal work may call for skip or seasonal payments that some lenders offer.
Questions to ask the dealer or seller before you finance
- What is the exact model year, serial number and age?
- Is there a service history or recent inspection report?
- Is any warranty or extended coverage included, and does it transfer?
- Are attachments, delivery, installation and taxes itemized on the quote?
- For a private sale, is the equipment free of liens, and who will provide the bill of sale?
Insurance on financed Dell equipment
Lenders and lessors require the equipment to be insured for its replacement or financed value, with the lender named as loss payee, before funding. Some also ask for liability coverage. Getting an insurance quote early avoids last-minute delays.
Frequently asked questions
Can I finance Dell PowerStore storage?
Yes. Lenders review your cash flow, credit and the quote.
Can software and support be included?
Some lenders include them when they are on the quote.
Is a lease good for servers and storage?
Leases with upgrade options suit IT infrastructure.
Can a clinic finance a server upgrade?
Yes. Lenders review the clinic's financials.
Can installation be included?
Some lenders include installation services.
Can I finance a full data-centre refresh?
Yes. Lenders can finance larger IT projects.
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