I lease and never buy Macs for my business.
Every other October, I walk into the Apple Store at NorthStar Mall and get a new MacBook. I don’t go into my business’ cash flow, and I don’t put my purchase on a credit card.
I lease my computers through Apple’s leasing partnership with G.E. Credit. You can learn more here. Apple does offer interest free financing (through G.E. Credit) if you pay off the balance within 12 months. The only downside to that is that you wind up owning the machine – something I don’t want to do.
If you’re a small business, a start-up, or sole practionier, you should consider leasing, rather than buying your next Mac.
Much will depend on the structure of your business, years in business, your credit history, etc. If you plan to move up to the new MacBook Pro / Retina Display, it’s something to consider.
At the end of two years, you have the option to buy the machine for its residual value, or send it back.
My current payment for the MacBook Pro I currently own – or rather, lease, is $80.00 per month. Over a period of two years it winds up being more or less what I would have paid for it if I had laid out the cash. But then, I don’t want to be stuck with a two year old machine because this machine is the machine that drives my income, my life, and helps me be more productive. I suspect the new machine being more expensive will run about $120 per month.
In October 2012, I’m getting the newest and best MacBook Pro with the Retina Display.
In October 2014, I’ll be back with whatever will be next and keep moving up, with the intent of moving my business and the joys of being self employed continuosly up the food chain of life.
Talk to your accountant. Or your Mom & Dad. Highly recommended.
P.S. – here’s what’s for sale on eBay for used MacBook Pros. Currently there are 20,000 configurations and price points you’ll be competing against when you go to sell your used MacBook.