--- title: Lease Structuring Settings description: Leases are sophisticated beasts that can vary based on state and lender rules.  The switches below are powerful.  We recommend testing your settings before sending anything to a customer. CCR = Capita --- [Skip to content](https://dealer.vehiclelyfe.com/migration/knowledge/lease-structuring-settings#main-content) English Show submenu for translations [Need a specific answer?](https://dealer.vehiclelyfe.com/migration/knowledge/kb-tickets/new?hsLang=en) ![FrikinTechBandit800.png\]](https://dealer.vehiclelyfe.com/hs-fs/hubfs/FrikinTechBandit800.png?height=50&name=FrikinTechBandit800.png) - [Default HubSpot Blog](https://7186551.hs-sites.com/blog) Open main navigation Close main navigation - [Default HubSpot Blog](https://7186551.hs-sites.com/blog) - English Show submenu for translations - [Need a specific answer?](https://dealer.vehiclelyfe.com/migration/knowledge/kb-tickets/new) - [FRIKINtech.com](https://frikintech.com/) [FRIKINtech.com](https://frikintech.com/) Help Yourself in our Knowledgebase - There are no suggestions because the search field is empty. 1. [FRIKIN A - help is here!](https://dealer.vehiclelyfe.com/migration/knowledge?hsLang=en) 2. [Setup & General Usage](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en) 3. [Leases](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en#leases) # Lease Structuring Settings Lease Structuring Settings Ways to set up your leases to fit your business and advertising Alex Snyder *Leases are sophisticated beasts that can vary based on state and lender rules.  The switches below are powerful.  We recommend testing your settings before sending anything to a customer.* **CCR** = Capitalized Cost Reduction ![Screen Shot 2020-02-20 at 6.00.18 AM](https://dealer.vehiclelyfe.com/hs-fs/hubfs/Release%20Notes/Knowledge%20Base%20Articles/Screen%20Shot%202020-02-20%20at%206.00.18%20AM.png?width=688&name=Screen%20Shot%202020-02-20%20at%206.00.18%20AM.png) #### Capitalize First Payment Forces first payment into cap cost regardless of available cash. Select this if you are trying to show leases with 0 upfront charges at the expense of have higher payments and potentially higher taxes #### Collect Acquisition Fee Upfront Forces Acq fee as a fee that is due at signing. Select this to show lower payments at the expense of higher upfront costs. Some lenders don't allow this. #### Capitalize Sales Tax Regions that have a tax based on price or cap cost usually allow that sales to be financed as part of the cap cost. Doing this can lower the upfront charges significantly but will also increase the payment. The functionality will depend on customer/dealer zip code. May result in the customer paying a finance charge on the taxes. #### Capitalize Cap Cost Reduction Taxes from Cash Some areas charge tax on any cash used to lower the cap cost. Doing this will lower the upfront charges but slightly increase the payment. May result in the customer paying a finance charge on the taxes. Since this will be applicable in cases where the customer is putting extra cash into the lease, it's recommended to not do this so the customer isn't financing the tax. #### Capitalize Cap Cost Reduction Taxes from Rebates Same as previous but specifically for capitalized cap cost reduction coming from rebates. #### Use Cash, Rebates and Trade Allowance as CCR Selecting this is the same as selecting #2 in the old dropdown. Will collect upfront regardless of available cash. For example, a lease with $1234 of upfront charges and $1000 down will have a cash due at signing of $2234. This is the most common way dealers present leases. Usually will lower the payment while increasing the upfront charges. #### Force all upfront charges into the Cap Cost Same as selecting the old #3 in the old dropdown. Calculates all upfront charges regardless of available cash, then capitalizes them. All available cash is then applied/taxed as CCR. Not usually recommended. Not available if 'Force all upfront charges into the Cap Cost' is selected. All fees marked as upfront will be capped. #### Use Rebates as CCR Uses all applied rebates as CCR. No rebates will be used to cover upfront charges first. Auto selected if 'Use Cash, Rebates and Trade Allowance as CCR' is selected. Not all rebates can be used this way. #### Use Trade Allowance as CCR Uses all trade allowance as CCR. No trade allowance will be used to cover upfront charges first. Auto selected if 'Use Cash, Rebates and Trade Allowance as CCR' is selected. Did this answer your question? - [Setup & General Usage](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en#main-content) - [Lead Response](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en#lead-response) - [Leases](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en#leases) - [Rebates and Incentives](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en#rebates-and-incentives) - [Inventory](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en#inventory) - [Website](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en#website) - [Taxes](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en#taxes) - [Users and Passwords](https://dealer.vehiclelyfe.com/migration/knowledge/setup-general-usage?hsLang=en#users-and-passwords) - [Opinions & Ideas](https://dealer.vehiclelyfe.com/migration/knowledge/opinions-ideas?hsLang=en) - [Release Notes](https://dealer.vehiclelyfe.com/migration/knowledge/release-notes?hsLang=en) - [Billing](https://dealer.vehiclelyfe.com/migration/knowledge/billing?hsLang=en) - [Dealership Stories](https://dealer.vehiclelyfe.com/migration/knowledge/dealership-stories?hsLang=en) - [Support](https://dealer.vehiclelyfe.com/migration/knowledge/support?hsLang=en) - [Default HubSpot Blog](https://7186551.hs-sites.com/blog) [![Chill listening crop-3](https://dealer.vehiclelyfe.com/hs-fs/hubfs/illumiQUOTE.png?width=24&height=24&name=illumiQUOTE.png "Chill listening crop-3")](http://vehiclelyfe.com) frikintech.com Help Center Copyright © 2026, VehicleLyfe