Leasing
Leasing lets you invest in new equipment without tying up capital, keeping liquidity inside the company.
Preserve your liquidity
Lease equipment, vehicles or machinery and release capital for what actually develops the business. You avoid tying money up in large purchases and can put your resources where they make the biggest difference.
Flexible arrangements
Choose between a finance lease and an operating lease, on terms that match your company's needs and the expected life of the asset. We help you find the solution that gives the best balance between cost, ownership and flexibility.
A smooth process
We handle everything from application to agreement, so you can focus on the business while we keep things moving.
How does it work?
Apply digitally
Complete the application in our portal.
Initial answer within 12 hours
We analyse the deal, gather the supporting documents and come back with a decision.
Delivery
We send out the lease agreement, and once it is signed the equipment can be ordered and delivered.
What is leasing?
Invest in the equipment your company needs without tying up capital or taking on a traditional loan. Instead of buying outright or financing with a business loan, you can lease and keep the capital inside the business.
You pay a fixed monthly cost and keep your liquidity for operations, staff and new projects. It suits companies that want to grow and develop without burdening the balance sheet, while staying flexible as needs change.
When the agreement ends you can buy the equipment outright, replace it or hand it back, depending on what suits the business best.
Why many business owners choose leasing
Leasing can be used for everything from day-to-day operations to the larger investments that let a company grow. Common uses are:
- investing in machinery or equipment
- financing vehicles and transport solutions
- buying technology, IT and office equipment
- upgrading shop or restaurant interiors
- support when expanding or starting new projects
Frequently asked questions about leasing
What is the difference between buying and leasing?
Unlike a purchase, where you own the asset and pay for the whole investment up front, with leasing you use the equipment and pay a monthly cost to the leasing company or lender that owns it. You keep the capital in the business and can focus on operations.
What happens when the agreement ends?
When the lease ends you can choose to buy the equipment, extend the agreement or end it. You keep the flexibility and can adapt the solution to the company's needs.
What separates an operating lease from a finance lease?
With an operating lease the leasing company owns the equipment and carries the residual value risk. With a finance lease the company is treated as the owner and carries the financial responsibility during the term of the agreement.
Is leasing tax-deductible?
The leasing fee is normally deductible under an operating lease – special VAT rules apply to passenger cars. Under a finance lease the equipment is instead recognised as an asset, and the deduction is taken through depreciation and interest. We help you choose the right set-up for your company.
Is leasing more expensive than buying?
Whether leasing is cheaper or more expensive than buying depends on several factors and looks different for every company. If buying means your company has to take on a loan or postpone other investments that strengthen profitability, leasing is often the better option. By spreading the cost over time you keep the capital in the business and can keep growing at the pace you want.