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Mastering Finance Options: Lease with Purchase Option, Long-Term Leasing and Traditional Credit
The right financing should match how the asset will be used and the business's constraints. Compare LOA, LLD and traditional credit to understand their mechanisms and implications. Strengthen your ability to analyse options and prepare a well-reasoned choice.
- Duration
- 3 days 21 hours
- Code
- BFA003FR Code
Presentation
Finance is constantly evolving, and understanding the different financing options is essential to optimising your investments. This course gives you an in-depth understanding of mechanisms such as leases with a purchase option (LOA), long-term leasing (LLD) and traditional credit, helping you avoid pitfalls and unnecessary additional costs. You will learn to adapt your choices to your economic circumstances and market fluctuations to manage risks and optimise the value of your investments.
Over 3 days, you will explore financing solutions for individuals and businesses. The programme covers different interest rates, insurance and the specific features of French Location avec Option d'Achat (LOA), Location Longue Durée (LLD) and traditional credit. Case studies and sales simulations let you apply this knowledge in practice and understand customer needs.
By the end of the course, you will have developed in-depth financing expertise. You will be able to analyse, compare and evaluate the accounting and tax implications of different options. These skills will position you to anticipate market developments and advise on appropriate financial strategies.
Objectives
By the end of this financial analysis course, you will be able to:
- analyse and distinguish the characteristics of leases with a purchase option (LOA), long-term leasing (LLD) and traditional credit;
- critically compare the strengths and weaknesses of each financing solution, taking relevant financial and operational criteria into account;
- evaluate the accounting and tax implications of the available financing options accurately;
- interpret key financing contract clauses to make informed strategic decisions;
- simulate and develop tailored financing scenarios suited to a customer's or business's specific needs;
- develop sound arguments to advise customers effectively on the most suitable financing solution.
Program
Module 1: defining financing solutions for individuals
- Different interest rate types—fixed and variable—and the main financing solutions available to individuals for vehicle purchases, property or consumer spending.
- Traditional consumer credit: its characteristics, including term, monthly payments and total cost of credit, and how it works.
- Borrower insurance covering death, disability and unemployment, and associated services.
- Standard LOA principles: lease payments, purchase option, security deposit and term.
- Specific features of LOA with a larger final balloon payment and its effect on preceding monthly payments.
- LLD principles: term, predefined mileage and potentially included services.
Case study:
- Analyse insurance and monthly payment calculations, applying calculation methods to different types of personal financing.
Module 2: defining financing solutions for businesses
- Principles of bank credit or personal loans used for business purposes, how they work and their application to business investment.
- Principles of business finance leasing, differences from LOA/LLD and tax benefits for businesses.
- Specific features of balloon finance leases with a high residual value.
- Applying LLD to business vehicles or equipment, including fleet management and associated services.
Case study:
- Analyse insurance and monthly payment calculations, applying financial calculations specific to business financing.
Module 3: applying the sales method
- Simulate a sale focused on understanding customer needs, practising active listening, building arguments and proposing financing solutions for different customer profiles.
Audience
This course is intended for:
- Banking or automotive professionals who want to deepen their knowledge.
- Entrepreneurs or finance managers seeking suitable solutions for their investments.
Prerequisites
This course requires the following prerequisites:
- Understanding of basic financial concepts: knowledge of finance and economics fundamentals, including capital, interest, monthly payments and repayment.
- Ability to read simple financial documents: understanding the key elements of a contract or amortisation schedule and drawing basic financial implications from them.
Teaching and assessment methods
- Initial skills assessment
- Training materials provided to participants
- Continuous assessment throughout the course
- End-of-course feedback questionnaire
- Combination of theory and practical application
- Attendance records
- Post-course follow-up evaluation
- Quiz / multiple-choice questions
- Practical exercises
- Case study
Course highlights
- Financing expertise: benefit from in-depth coverage of increasingly used solutions such as LOA, LLD and traditional credit.
- Practical application: master insurance and monthly payment calculations through concrete case studies, and practise sales simulations to better understand customer needs.
- Addressing a market gap: explore key financial mechanisms that are often under-covered despite their relevance to automotive, property and business sectors.
Dates and sessions
Choose the date and delivery format that suit you.
No upcoming sessions are currently available.