Leasing & hire purchase
Finances machinery, vehicles and equipment against the asset itself, preserving cash and credit lines for everything else. Typical amount: up to 100% of the asset (asset-backed; total cost above a bank loan).
Facts last verified 23.7.2026
Finances machinery, vehicles and equipment against the asset itself, preserving cash and credit lines for everything else.
Key facts
- Provider: Banks & finance companies
- Type: Credit line
- Typical amount: up to 100% of the asset
- Rate / terms: asset-backed; total cost above a bank loan
- Legal basis: Market terms
- Who it is for: Micro to large companies · investment
How to apply
There is no application form here — this is a negotiation. Banks assess repayment ability and collateral: bring up-to-date financials, a cash-flow forecast, and a clear use of funds. Investors assess the growth story: bring evidence of traction and a defensible view of the market.
Competition works in your favour. Terms for loans, leasing, factoring and investment vary widely between providers, and a second offer is the strongest negotiating tool there is.
Public instruments often stack with market financing — a Finnvera guarantee can turn a bank's no into a yes, and a grant-funded project makes the investor case stronger.
Frequently asked questions
How much funding does Leasing & hire purchase provide?
Typical amount: up to 100% of the asset. Support level / terms: asset-backed; total cost above a bank loan.
Who can apply for Leasing & hire purchase?
Provider: Banks & finance companies. Company size: micro, small, medium, midcap, large. Typical use: investment.
On what legal basis is Leasing & hire purchase granted?
Market terms.
Indicative screening information, not advice. Amounts and rules change, so confirm the current terms and eligibility with the provider before you rely on them.
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