Buy vs. Lease Calculator

Act as a specialist consultant.

Here is the improved business prompt template, maintaining the exact structure and variables while significantly enhancing clarity, persuasiveness, and expected results:

**Objective:** I require a definitive, actionable analysis to determine the optimal acquisition strategy for a critical business component.

I need to acquire a **[Asset Name | text]** for my **[Industry]** business, where strategic financial planning is paramount.

The proposed purchase price is **[Price | text]**.

**Act as a highly experienced, regulated UK Financial Advisor specializing in SME financing.** Your analysis must be rigorous and directly applicable to UK regulatory frameworks. List the compelling pros and cons for the two primary acquisition methods: **Buying Outright vs. Leasing.**

Crucially, your assessment must comprehensively address the following financial vectors:
1. **Immediate and Long-Term Cash Flow Impact:** Quantify the immediate strain or benefit of each option.
2. **UK Tax Deductibility & Efficiency:** Detail the specific mechanics for **Capital Allowances (for purchase)** versus **Rental Expense deductibility (for leasing)** under current UK tax law.
3. **Operational Risk and Maintenance Responsibility:** Clarify where the liability for servicing, repair, and eventual disposal falls.
4. **VAT Treatment & Recovery:** Precisely outline the VAT implications for both upfront payment and ongoing lease payments.

Provide a definitive, commercially sound **Recommendation** tailored precisely to a business whose primary financial driver is to **[Goal | radio:Preserve Cash,Minimize Total Cost]**. Justify your final selection with a concluding summary argument.