Classic / operative leasing

  • No deposit.
  • From 15 to 60 months (meals)
  • No costs of approval 75 EUR without VAT up to a value of 5000 EUR excluding VAT
  • Approval in 2 hours!
  • Minimum equipment value of 500 EUR up!

Classic / Operating leasing is a form of financing the purchase, where the lessor buys the subject of leasing at the option of the lessee and gives it to use. In the case of a classic leasing, the lessee can become the owner of the object after payment of 5% – 10% of the net funded value after the end of the leasing period, or it is given the option to buy it during the entire lease period.

Classic leasing gives businesses more opportunities because of the direct impact on faster adaptation of companies to market needs, and a very rapid increase in competitiveness and productivity.

This type of financing is intended for all types of legal entities that are responsible for their competitiveness by investing in fixed assets and use of bank loans in the short term for working capital.

In the case of classic leasing, the following options are given to the lessee before or after the conclusion of the contract:

the return of the object after the end of the leasing period,
buying after the end of the leasing period in the value of 5% -10% of the net funded value,
replacement for a newer object under the same conditions after the expiration of the lease period or during the leasing period, which affects the company’s competitiveness and adapting to very dynamic market conditions,
a framework partnership agreement for companies that adjusts to the financial and market needs of these companies (from EUR 25 000 onwards); in fact, allow the company to use the new equipment without immediate checking of the credit rating and the superfluous administration.

Why Operational Leasing?

The downside of the financial leasing:

The leaseholder records the subject of leasing into fixed assets, at the same time, the total value of the leased asset is recorded as a liability.

Posting in assets and liabilities has a negative impact on the capital structure in the company’s balance sheet. The relationship between equity and liabilities also weakens the financial capacity of the company (creditworthiness, deterioration in credit rating …). In the financial leasing, the leasing company records depreciation and leasing costs, which adversely affects the profit or loss and the credit rating, creditworthiness, etc.

In the case of an operating leasing, with the exception of monthly leasing costs (monthly annuity), there are no other costs, which does not weaken, but maintains, the capital structure in the balance sheet. On the other hand, it strengthens the competitive position of the company on the market, since the lessee uses the leasing object and thus creates added value.

VAT is not funded in advance in the case of classic leasing, but is paid monthly on annuities. Input VAT is charged on a monthly basis.

At the time of conclusion, the following information is required:

  • name and surname of the person responsible or Director
  • a copy of the personal document and EMŠO
  • VAT ID is a legal entity
  • fax number and landline phone number – contact person
  • e-maill address – contact persons, web address of the company
  • TRR number and where the bank has opened an account from which payments will be made