Schools/Music Educators

Welcome to the BGE Financial School Lease/Purchase Plan. This plan is designed to financially assist your program by helping you acquire the instruments you need while keeping you within your budget. Below you will find benefits, frequently asked questions, step by step procedures, payment calculators and our brochure. Should you have any additional questions, please contact us and we will gladly walk you through our financing process.


  • Helps beat inflation by obtaining the instruments needed today while avoiding annual price increases.
  • Gives music educators the opportunity to obtain needed instruments to complete a successful music program while remaining within their budget.
  • Helps schools replace older instruments that are depleting their repair budgets.

Frequently Asked Questions

  • Who can lease instruments?

    This plan is designed to meet the current needs of schools and can be offered only to individual schools or school systems, whether they are public, private or parochial. The plan may also be offered to music booster organizations. All public schools, parochial schools, universities, and music booster organizations qualify for this program.

  • What can be put on a lease?

    Any brand of instrument may be combined with equipment such as cases, risers, etc.

  • What happens at the end of the lease?

    The school's obligations under the lease are completed after all of the payments, including the final payment of $1, are remitted to BGE.

  • Who covers the insurance on the instruments?

    The school as lessee is required to have insurance for any theft, mysterious disappearance, or damage to any or all items/equipment covered by the lease. Any such loss does not relieve the school of any of the terms or conditions of the contract. Maintenance, including that required during the life of the lease due to normal wear and tear, is the responsibility of the school. Optional insurance is available through BGE with a $0 deductible and 100% coverage.

  • Does BGE offer a Municipal Lease for public schools and universities?

    Yes, all leases for public schools and universities would be on municipal lease documentation unless instructed otherwise.

  • Is the municipal lease annually renewable?

    The municipal lease is renewable for the length of lease term and is automatically renewed each year when the annual payment is made. The only reason the municipal lease may not be renewed is for non-appropriation.

  • Do the limited warranty provisions apply to leased instruments?

    Each instrument delivered to the school will have a standard limited warranty as provided by the manufacturer. The dealer (VENDOR) will be responsible for servicing the product as if it were a purchased instrument.

  • Can the lease be paid off early?

    Yes, the school can pay the lease off early and receive a rebate of unearned lease charges.

  • Is there a minimum lease amount?

    Yes, $3,000 is the minimum lease base amount, and the maximum term of 5 years may be used.

  • Who is responsible for the shipping cost?

    The music dealer will include the shipping cost in the lease payment.

  • Does BGE provide financing for churches and drum & bugle corps?

    Yes, BGE is able to finance churches and drum & bugle corps. These entities are subject to credit approval and carry maximum term of 3-years.

Step by Step Procedures

  1. Music educator discusses needs with local school music dealer.
  2. The dealer will prepare a lease proposal for the music educator stating the exact cost of a 2, 3, 4 or 5-year lease plan to fit their school budget.
  3. A formal lease will be prepared and sent to the school.
  4. An authorized individual will have 90 days to return the signed documents to BGE. 
  5. Most entities will include their first payment with their signed documents. Public Schools will submit their first payment when delivery is completed.  
  6. When the completed lease documents are received, the dealer will be notified to drop-ship or deliver the instruments to the school.
  7. After receiving the instruments, school officials will then sign and return the acceptance certificate.
  8. The subsequent payments will be due on the anniversary date of the lease.
  9. After the lease has been paid in full, the school may purchase the instruments on the lease for $1.00.

Calculate a Payment

Buying Power

Purchase Price: $
  • 0 years
Annual Payments (5 Years): $

Download Brochure

Show your customers the benefits of the BGE Financial School Lease/Purchase Plan. Download a PDF of the brochure below, in a four-page foldable format or one-page sell sheet. You can print as many as you need, and even customize them with your logo and business information in the spaces provided.