Leasing Finance – Finance Equipment Without Large Upfront Costs
Why tie up your company's cash in machines that lose value every day? Leasing is a smart way to acquire the latest technology by paying only for its use, not ownership. Through us, you can get leasing solutions for investments up to 5,000,000 euros.
How does it work? Instead of paying €300,000 at once for a production line, you pay, for example, €5,000 per month. Your cash position stays strong and budgeting is easy.
We offer two main models:
- •Finance leasing: The goal is to purchase the equipment at the end of the contract term (with residual value).
- •Operating leasing: Pure rental, where you return the equipment at the end of the contract. Often includes maintenance.
But is leasing always the smartest choice? If the equipment retains its value exceptionally well or you want to heavily customize it, owning (and a business loan) may be cheaper in the long run.
Let Trusty find the best option. Our AI CFO calculates whether leasing is the most profitable solution for you in terms of taxes and cash flow, or whether a traditional investment loan would be better.
Trusty's quick analysis: When does leasing work?
Leasing is especially suitable for equipment that becomes technologically outdated or that you want to regularly replace with newer models.
Choose leasing when:
- •Technology becomes outdated: Computers, vehicles, and production equipment should be renewed regularly.
- •You want a lighter balance sheet: Leasing (generally) doesn't appear as debt on the balance sheet, which improves your company's key figures.
- •You value convenience: You want a fixed monthly cost that can also include maintenance and insurance.
Consider another option when:
- •The equipment retains its value for a very long time or increases in value.
- •Utilization rate is very low (consider renting as needed).
- •You make significant structural modifications to the equipment.
Traditional banks, finance companies, or specialized leasing companies?
We compare the entire field to find the best home for your equipment.
Traditional banks:
- Often affordable interest rates, but the process is slow and criteria are strict.
- Suitable for "basic equipment" (cars, general work machines).
Finance companies & Specialized companies:
- Understand even more specialized equipment (e.g., IT equipment, medical devices, heavy machinery).
- Can better assess the equipment's resale value, which can significantly reduce your monthly payment.
Sale and leaseback – Free up capital tied to the balance sheet
Do you already own expensive machinery or properties? In a sale and leaseback arrangement, you sell the asset to a financer and immediately lease it back.
Frequently asked questions about leasing
(Click on a question to see the answer)
What's the difference between finance and operating leasing?
In finance leasing, you pay off the equipment with the intention of eventually owning it. Operating leasing is long-term rental, where the risk of the equipment's depreciation lies with the finance company.
Is a down payment required for leasing?
Usually the first payment is larger (e.g., 10–20% of the purchase price), but completely no-down-payment contracts are also common if the company's credit rating is in order.
Can I purchase the equipment mid-term?
Yes, in most contracts the equipment can be purchased by paying the remaining debt principal.
What does residual value mean?
It's an estimate of the equipment's value at the end of the contract term. If the residual value is high, your monthly payment is lower. If you purchase the equipment, you pay this amount at the end of the contract.
What if usage limits (e.g., kilometers) are exceeded?
This is a common pitfall. Excess kilometers incur an additional fee. That's why Trusty helps estimate your usage needs realistically from the start, so you avoid surprise charges.