Financial Leasing vs. Bank Loan
| Financial Leasing | Bank Loan | |
| Financing Amount | Determined only by borrower’s creditworthiness and equipments’ value | Restricted by central bank’s credit policy, and vulnerable to the impact of macroeconomic control. |
| Financing Tenor | Can be adjusted according to customer’s demand | Mainly one-year or less working capital loan |
| Payment Methods | Flexible installment plans | Rigid principal and interests repayment scheme |
| Guarantee Methods | Usually doesn’t require the collateralization of real estate | Requires mortgaging real estate or an audited third party guarantor |
| Application Reviewing Efficiency | High efficiency | Reviewing process with many steps and takes a longer time |
| Execution | Simple and efficient | More complicated |