Rethinking Tech Leases to Strengthen Your 2026 Plan

As firms look ahead to 2026, financial flexibility is becoming a top priority. One often-overlooked strategy for improving cash flow is a rewrite of current tech leases, even if those leases are not yet at term.

Extending or restructuring an existing lease can help reduce monthly payments, free up capital, and keep reliable equipment in use longer. This is not just a budgeting exercise; it’s a practical way to support operations without disruption or unnecessary spend.

Why Consider a Lease Rewrite?

Many firms assume they need to wait until the end of a lease to make changes. In reality, leases can often be rewritten mid-term to reflect current business needs. If the equipment is still performing well, extending the lease and adjusting the payment schedule can offer several benefits:

• Lower monthly payments heading into the new fiscal year

• Reduced pressure on year-end budgets

• Continued use of equipment without a forced refresh

• Smoother alignment with long-term tech planning

This approach is especially useful for firms that expect to make additional investments in 2026 and want to create more room in the current budget.

Not Just for Expiring Leases

While lease rewrites are commonly used for assets nearing term, firms can also restructure leases that are mid-cycle. If the equipment is functioning effectively, there’s often no operational need to replace it, just a financial opportunity to optimize the payment structure.

A few key triggers that may signal it’s time to review lease terms:

• Strategic budget planning for the upcoming year

• Shifts in firmwide cash flow or capital needs

• Upcoming tech investments that require financial flexibility

• A desire to extend the useful life of stable equipment

By acting early, firms stay in control of the timeline, structure, and outcomes, rather than reacting at the last minute or under pressure.

Year-End Cash Flow: Another Option to Consider

For firms looking to create liquidity before December 31, a sale-leaseback offers another solution. Selling owned equipment and leasing it back enables firms to unlock capital quickly, without giving up access to the tools they rely on daily.

Used strategically, sale-leasebacks and lease rewrites together can create a more stable and flexible foundation for next year’s growth.

How CoreTech Can Help

CoreTech works with firms to restructure current leases in a way that aligns with both operational and financial goals. Whether you’re preparing for 2026 planning, freeing up cash flow, or extending the life of reliable equipment, we’ll help you assess the options and take action with confidence. Contact CoreTech Leasing at info@coretechleasing.com to explore how a lease rewrite can strengthen your year-end strategy.