Leasing

Lease amount up to €2 million
Term up to 84 months

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Leasing at EMBank

Take your business further with EMBank Leasing Solutions—designed to put the right tools, vehicles, and equipment in your hands, exactly when you need them.

Whether you’re expanding your fleet, upgrading machinery, or investing in new commercial vehicles, EMBank helps you move forward without slowing down your cash flow.

How to apply?

1. Preparation

Gather all required documents before applying. This typically includes financial statements, a commercial offer, and a business plan.

2. Application & Evaluation

Submit your leasing application.

Provide key business details such as industry, operating history, and financing needs. EMBank will review your application and asses eligibility.

3. Approval & Finalization

If approved, negotiate lease terms (duration, down payment, conditions).

Once agreed, sign the contract and proceed with the acquisition/use of the asset.

Purchase Price (including VAT) (EUR)

€

Down payment (%)

%

Residual value (%)

%

Term (in months): 60

Payment once per x months

STEP payment (starting 3rd month): % of Asset value

%

Step payment months

Loan Details

Finance amount (EUR):

Interest (Margin+Euribor):

Commission (EUR): 500

Change to Linear Payment

Show payment schedule

Generated on:

Repayment schedule

Conditions

Purchase price: EUR

Down payment: %

Residual value: %

Finance amount: EUR

Term: months

Payments every: months

Interest: %

Commission: EUR

STEP payment (starting 3rd month): %

Step payment months:

Payment Schedule

The calculation is approximate and may differ from the conditions offered to the customer.

Period	Outstanding amount	Principal (in EUR)	Interest (in EUR)	Commission	Total Payment

Please visit Fees and Commissions page to see the applicable fees.

What you get with EMBank Leasing?

Finance up to €2 million to power your business
Starting from just 10% down payment—keep more cash in your business
Flexible terms of up to 84 months
A 12-month leasing credit line—use funds whenever opportunities arise
Clear end-of-term structure (vehicle age up to 10 years)
Full peace of mind with comprehensive insurance requirement

Equip smarter, grow faster, and stay financially agile with EMBank.

Apply now!

Please provide the required information and we will contact you within 1 working day.

If you would like to fast-track your leasing application process, please download the form(s) below, fill it in and e-mail it to [email protected].

Agriculture Leasing Application (only for Agriculture companies)

General Leasing Application (for all other applications)

First Name

Last Name

E-mail

Phone

Company Name

Company Size

Sector

Which product(s) are you interested in?

Message

I agree that EMBank will process my personal data included in this form in order to register my application, handle my query and contact me in order to provide me with a response as stated in EMBank’s Privacy Policy.

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Frequently Asked Questions

What is leasing?

Leasing is a process by which a business can obtain the use of certain assets for a period of time. The most common leasing arrangement is for businesses to lease equipment from another business. This type of lease is often used when a business needs a particular piece of equipment for a short period of time and does not want to purchase the equipment outright.

Another common type of leasing arrangement is for businesses to lease office space or other real estate from another business. This type of arrangement is often used when a business needs a particular type of space for a short period of time and does not want to purchase the space outright.

A lease can be a very beneficial arrangement for businesses. It can allow businesses to obtain the use of assets that they would not be able to afford to purchase outright. Additionally, leasing can provide businesses with flexibility in terms of the lease’s length and terms of the agreement.

How does leasing work?

Leasing can be a flexible and affordable way to get the equipment your business needs without a large upfront investment.

There are two main types of leases: operating leases and capital leases. Operating leases are typically used for short-term rentals or for equipment with a relatively short useful life. Capital leases are used for equipment that will be used for a longer period of time, such as real estate or vehicles.

The terms of a lease agreement will vary depending on the type of equipment being leased and the length of the lease. Typically, leases are for 12, 24, or 36 months. At the end of the lease, you may have the option to purchase the equipment for its fair market value, return the equipment, or renew the lease.

Who benefits from business leasing?

There are many different types of businesses that can benefit from leasing. Retail businesses can use leasing to acquire the necessary equipment and fixtures to open their store. Office businesses can use leasing to acquire the furniture and equipment they need to get their business up and running. Service businesses can use leasing to acquire the vehicles and equipment they need to provide their services. Just about any type of business can benefit from leasing in some way.

What is the difference between leasing and business loans?

There are a few key differences between leasing and business loans. First, with a loan, you’ll typically get the full amount of money you’ve requested all at once. With a lease, you may only get a portion of the money upfront, with the rest coming in periodic payments. Second, a loan needs to be repaid with interest, while a lease may not. Third, loans are often secured by collateral, while leases are not. Finally, leases tend to be shorter than loans, typically lasting anywhere from 2 to 5 years.

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We know that one size does not fit all, so we are working hard providing you various options to choose from. Let’s talk about how we can help you accelerate your business with the correct type of loan offering.