Understand that financing pays for itself. Your profits come from the use of the equipment, not the ownership of it.When you finance a computer, it earns its worth because you pay for it as you use it. Would you pay your office staff their salaries three years in advance? By financing your computers with monthly payments, you dont have to pay for the whole thing up front. You can keep that cash free to invest in appreciating profit-making assets. Your new equipment makes money while your liquid capital is retained. Thats effective cost management.