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 from the asset seller, and a business plan.

2. Application & Evaluation

Negotiate lease terms (duration, down payment, conditions) and submit your leasing application to EMBank.

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, 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 financing solution in which a bank purchases an asset on behalf of the client, allowing the client to use it immediately while paying only a fraction of the total purchase price upfront. The remaining amount is paid over an agreed financing period through monthly installments.

Leasing is most commonly used for high-value assets such as vehicles, machinery, equipment, and agricultural technology.

How does leasing work?

a) The bank approves financing for the customer.

b) The client pays an initial contribution, usually between 10% and 25% of the purchase price.

c) The bank purchases the asset directly from the seller.

d) The client can start using the asset immediately.

e) The client repays the remaining 75%–90% of the purchase price through monthly payments over a period of up to 7 years.

Why Leasing is Useful for Businesses?

Leasing allows businesses to acquire expensive equipment or vehicles without paying the full purchase price upfront. This helps preserve cash flow, enabling companies to use their available capital for core business activities, expansion, and increasing sales.

What is the Difference Between Leasing and Business Investment Loans?

Leasing

Commonly used for financing vehicles, equipment, machinery, and agricultural technology.
Typically offers a faster approval and execution process.
Usually does not require notary procedures or related additional costs.

Business Investment Loans

More commonly used for real estate investments and highly complex machinery financing.
Often involve longer approval procedures and additional legal or administrative requirements.

Other Lending Options at
EMBank

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.