Keep your cash flow. Invest in your business.

The minimum order value is €2,500. In practice, that is roughly one complete workstation. If you are below that, we look together at whether a straightforward purchase is simply easier. Under that amount, the flexibility of leasing usually does not outweigh buying outright.

Yes, in most cases, for new businesses from one year after the company was founded. Every application is also subject to credit approval, which looks at the financial health of the business.

Normal wear and tear from daily use is accepted at no extra cost. More serious damage, or a device that no longer works, will be charged for. That is why we always include insurance in our proposal. Worth knowing: the monthly lease payments carry on as normal, even when a device is temporarily out of use.

You can then assign the device to a new employee or keep it in the fleet as a spare. In practice this works smoothly: new employees get a new device, and older devices are only collected once the replacement has been handed out, so there is no interruption. If you have NXT managed services, we make sure every device is properly wiped and unlinked from its previous user before it is handed out again.

Yes, that is a standard part of AFS. You can lease more whenever you need to and easily add extra devices during the term. In practice, a new device gets its own sub-agreement under the same framework contract, with its own term that does not have to line up with the rest of the fleet. Your contract grows with your team, without you having to renegotiate everything.

AFS works as an operating lease, also known as off-balance-sheet leasing. In practice:

• The device does not go on your company’s balance sheet. The lessor remains the owner and takes care of depreciation.
• The monthly lease payment is a fully deductible business expense, just like rent.
• VAT is handled per invoice and is deductible in that quarter’s return.
• Because no investment or debt appears on the balance sheet, your solvency ratio stays unchanged. That can work in your favour if you apply for credit later.

AFS wins not on price but on cash flow and predictability. No large one-off outlay, no capital tied up in hardware that is technically outdated within three years, and the devices stay off the balance sheet. For a growing business that would rather invest in people or turnover than in MacBooks, that argument often outweighs the slightly higher total cost. And in a professional Apple environment you replace devices every three to four years anyway. Leasing simply makes that cost explicit and predictable, rather than a periodic drain.

Yes, and this is where nxtbit makes the difference. AFS handles the financing of the device, and nxtbit handles its management through an NXT plan within NXT managed services. Those are two separate cost items, a lease payment and a management fee for MDM, security, support and updates, but we present them to you as one predictable monthly price per employee. So you never have a separate IT budget to piece together yourself.