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Financial Leasing

Financial Leasing

What is Financial Leasing?

Financial Leasing is a medium to long-term investment financing method whereby the client, referred to as the lessee, selects specific machinery, equipment, or fixed assets to be acquired and the leasing company procures these assets from vendors approved by the client, in accordance with the negotiated terms. Subsequently, the equipment is delivered to the client under a financial lease agreement. Upon the conclusion of the lease term, the ownership of the asset is transferred to the client.

We also finance machinery and equipment acquisitions as part of the investment projects we fund through our global resources, leveraging financial leasing as a strategic alternative to direct lending.

Financial Leasing

Advantages of Financial Leasing

  • Since the ownership of the machinery or equipment remains with the Bank throughout the lease term, it enables long-term financing with minimal collateral requirements.
  • It allows for the creation of flexible repayment schedules aligned with the project’s return on investment (and the specific cash flow of the acquisition.
  • Professional teams within the Financial Leasing company manage all procurement, import, shipping, Letter of Credit, and transfer processes, providing significant operational convenience to the client.
  • It offers the opportunity for direct borrowing in foreign currency without the requirement of an export commitment.
  • Many new machinery investments can be realized with a VAT rate of 1%, instead of the standard 8%–18% range. Additionally, financial leasing agreements are exempt from Stamp Duty, Taxes, and Fees.
  • Lease payments are recorded as rental expenses by the lessee for the relevant accounting period.
  • Full ownership rights of the machinery or equipment are transferred to the client upon the successful completion of the lease term.