Services
We see ourselves as a long-term companion for your investment projects. With experience, a strong partner network and individual advice, we find the solution that fits you.
Financing solutions
Leasing is a flexible form of financing that lets you use an asset such as a vehicle, a machine or technical equipment without having to buy it outright.
Instead of a high purchase price, you pay manageable monthly instalments over a fixed period while the asset remains the property of the lessor. At the end of the contract you can return the asset, take it over or sign a new contract, depending on the agreement.
Typical advantages:
Possible limitations: the asset does not belong to you during the term, contracts usually cannot be terminated early, and for vehicles excess mileage or damage can lead to additional payments. Whether leasing fits your project is something we clarify together.
Contract models
The instalments cover only part of the acquisition costs; the residual value is settled at the end of the contract, for example by returning the asset, taking it over at the agreed residual value or refinancing. The benefit: lower monthly instalments and a high degree of flexibility. Ideal if you only want to use the asset for a certain period.
The entire acquisition and financing costs are fully covered by the instalments during the term. After the contract ends, you can often take over the asset at a residual value agreed in advance. Suitable for anyone who plans long term and values clear, predictable total costs.
With hire purchase you gradually acquire the asset through regular instalments; once the full amount is paid, ownership passes to you automatically. The right choice if you know from the start that you want to keep the asset while still preserving liquidity.
With factoring, companies sell outstanding receivables to a factoring provider and receive immediate liquidity. The provider often also assumes the default risk and receivables management. A sensible addition to expand financial headroom in day-to-day business.
The alternative to leasing
Financing makes it possible to acquire movable assets such as vehicles, machinery or technical equipment without bearing the full costs upfront.
The purchase price is financed through fixed monthly instalments that can be flexibly adapted to your situation, for example via down payment, term and final instalment. Unlike leasing, with a financed purchase you usually become the owner of the asset immediately.
Whether leasing or financing is the better choice depends on your goals. The following overview shows the most important differences at a glance, and in a personal consultation we will work out together which model fits your project.
| Criterion | Leasing | Financing |
|---|---|---|
| Ownership | Remains with the lessor; takeover possible depending on the contract | Usually passes to you immediately |
| Monthly burden | Often lower, as you only pay for usage and depreciation | Usually higher, as the full purchase price is repaid |
| Flexibility at the end of the term | Return, takeover or follow-up contract | The asset is yours; sale or continued use is up to you |
| Typical users | Companies that want to stay up to date and preserve liquidity | Buyers who want to build ownership and use assets long term |
| Tax treatment | Instalments are often deductible as business expenses for commercial use | Depreciation of the asset and deductibility of interest possible |
The information presented here does not replace individual legal, tax or financial advice. Actual availability and conditions are always assessed individually.
Good to know
The period over which the leasing or financing contract runs. Depending on the asset, 12 to 60 months are common, sometimes longer. Shorter terms usually mean higher instalments; longer terms mean lower instalments with a longer commitment.
For vehicle leasing, an annual mileage is agreed. It influences the instalment and is settled at the end of the contract: excess kilometres can trigger additional payments, while unused kilometres are partly reimbursed. A realistic estimate pays off.
An optional one-off payment at the start of the contract. It lowers the monthly instalments and can be interesting for tax purposes in commercial use. Whether and to what extent a special payment makes sense depends on your liquidity planning.
The calculated value of the asset at the end of the contract. In residual value leasing it determines return or takeover. For financing with a final instalment, the remaining amount is due at the end and can be paid, refinanced or settled by selling the asset.
Private or business
Private leasing offers predictable fixed instalments and access to the asset you want without a large one-off payment, for example for cars, e-bikes, horses or tiny houses. Tax advantages usually play no role here; what counts are calculable costs, flexibility and the freedom to decide anew at the end of the term.
Business clients often benefit from tax structuring options: leasing instalments can frequently be booked as business expenses, and leasing protects credit lines and balance sheet ratios. Fleet and framework solutions are possible as well. We clarify the details together with you and, if needed, with your tax advisor.
Vehicle sourcing
Whether new car, used car, youngtimer or classic car: we help you find your dream vehicle at individually agreed conditions.
Thanks to our extensive partner network, we take care of the search, negotiation and processing so you can sit back and relax. On request, we combine the sourcing directly with a suitable leasing or financing solution.
Brand-independent search for your desired configuration.
Inspected vehicles with a strong price-performance ratio.
Solid everyday vehicles at fair conditions.
Limited editions and rare equipment lines in focus.
Targeted search through our nationwide network.
Characterful classics, arranged discreetly and individually.
Your preferred financing option is not listed? No problem: thanks to our cooperation network, we review your request individually and quickly.
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