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What is financial leasing for professionals?

Financial leasing is a method of financing allowing any professional to finance their investments through rental payments. With this means of financing, the professional is not the owner of the financed assets. They are leasing the asset, and have the option to purchase it at the end of the lease.

Financial leases can be used to finance:

  • vehicles (cars, vans, lorries, trailers, utility vehicles, tractors, etc.);
  • as well as any other type of professional equipment.

BNP Paribas Lease Group Luxembourg (BPLG) is part of the BNP Paribas Group. BPLG is our exclusive partner for financial leasing.

Good to know

Be careful not to confuse financial leasing with operating leases. These are two distinct and complementary offers.

Financial leasing does not include, for example, costs such as:

  • servicing;
  • tyres;
  • insurance for a road vehicle.

How does financial leasing work?

  • You choose the equipment and the supplier.

  • The leasing company acquires this equipment and becomes the owner of it for the duration of the lease.

  • In exchange for lease payments, the leasing specialist makes the equipment available to you for a set period.

  • You reserve the right to buy the equipment at the end of the contract.
    This right to buy is calculated as part of your initial lease offer.

 At the end of the agreement term, a number of options are available:

  • take advantage of the purchase option;
  • extend the lease;
  • return the equipment (early returns are possible under certain conditions(1) ).

Good to know

The equipment purchase price consists of the payment of rent due and the residual value specified.

The residual value of the equipment will depend on what it is. The professional becomes the owner of the asset if they decide to purchase it at the end of the lease (by exercising the purchase option).

Why choose financial leasing for your professional vehicle?

This solution offers:

  • debt-free financing, without the need for equity (no deposit required, 100% financed);
  • the refinancing of assets through a lease, in order to free up capital for other investments;
  • a precise evaluation of your financial expenses;
  • Lease payments that can be adjusted according to your needs.
  • attractive rates;
  • quick approval;
  • very few or no guarantees required(2);
  • freedom to choose your vehicle, options and supplier;
  • rental payments deductible as expenses(3);
  • recoverable VAT and pre-financing of VAT by BPLG;
  • the option to take out a lease for other non-vehicle assets;
  • the option to manage the vehicle yourself (maintenance, repairs, etc.).

Our markets

  • Agriculture
    • Tractors

    • Combine harvesters

    • Cherry pickers

    • Choppers

    • Hay balers

    • Mowers and haymakers

    • Spreaders and sprayers

    • Ploughs and seeders
  • Industry and distribution
    • Machine tools

    • Packaging equipment

    • Retail equipment

    • Vending machines

  • Transport
    • Vans

    • Industrial vehicles

    • Road tractors

    • Buses and coaches

    • Trailers and semi-trailers

    • Professional tourism vehicles
  • Real estate
    • Supermarkets

    • Storage centres

    • Clinics

    • Retirement homes

    • Offices
  • Medical
    • Dental equipment

    • Medical imaging equipment
  • Audiovisual
    • Video projectors

    • Screens

  • Construction
    • Excavators

    • Backhoes

    • Loaders

    • Flat-bed trucks

    • Dump trucks

    • Steamrollers

    • Cranes

    • Cement mixers

    • Compaction equipment

    • Telescopic handlers

  • Office
    • Multifunction printers

    • Laser printers

    • Scanners

    • High-speed, high-volume printers

    • Fax machines

    • Document management solutions
  • IT
    • Hardware: workstations (computers, microcomputers) and infrastructure (servers, storage solutions)

    • Software: programs, applications
  • Handling
    • Forklift trucks

    • Trollies

    • Specific handling equipment

  • Security
    • Alarm systems

    • CCTV systems
  • Telecoms
    • Mobile solutions (telephones)

    • Infrastructure: (e.g. router)


In principle, financial leases allow you to obtain the same state aid as a bank loan.

Frequently asked questions


  • icone faq question
    Who can take advantage of a financial lease?

    Once the application has been assessed, financial leasing is accessible to all legal-entity professionals with self-employed status operating on the Luxembourg market.

  • icone faq question
    What’s the difference between financial leasing, an operating lease and an investment loan?

    Financial leasing is a financing solution that lets you finance your purchase while continuing to manage any upkeep, maintenance, repairs, etc.

    An operating lease is a more comprehensive financing solution, including the lease of the vehicle as well as any related costs (insurance, tyres, etc.).

    Financial leasing is aimed at all types of vehicles, as well as other equipment (industrial, medical, IT, office equipment, etc.) while operating leases concern only the financing of a fleet of vehicles.

  • icone faq question
    How is the rental amount for a lease determined?

    Rent is based on the asset’s price, term, residual value and implicit rate applied by the lessor.

    You can pay a higher initial rental amount, either to reduce the amount of your monthly payments, or to obtain a tax benefit at year-end(4), subject to a maximum of 33%. The total rent paid over the year cannot therefore exceed 33% of the investment amount.

  • icone faq question
    What guarantees are required?

    BNP Paribas Lease Group Luxembourg may request a range of guarantees depending on the equipment, financial position of the company and its repayment capacity.

    Although the bank reserves the right to request all guarantees required to cover the risk, the obligation to set up guarantees is generally and in practice more limited, as BPLG remains the owner of the financed asset throughout the duration of the lease. The most common cases include:

    • for legal entities: joint and several guarantee of the partners;
    • higher initial rental payment, i.e. an amount higher than the regular rental payments;
    • mortgage registration;
    • mortgage mandate;
    • securities pledge/collateral;
    • cash pledge;
    • it is also possible for a third party to request a lease extension (e.g. parent company).
  • icone faq question
    What is the term of a financial lease?

    The lease is generally entered into for a period ranging from 32 to 60 months, and for certain assets the term may be extended, subject to the lessor’s agreement.

  • icone faq question
    What will the residual value of my asset be?

    The residual value at which you may purchase the asset at the end of the lease depends on the type of asset.

    In principle it is 10% of the purchase price for vehicles and 1% for all other equipment.

  • icone faq question
    Can I purchase my vehicle or equipment abroad?

    A vehicle or asset may be purchased abroad subject to BPLG’s prior agreement, based on the provision of a quote with full contact details.

  • icone faq question
    Can I finance a used car or equipment?

    Although second-hand equipment is not excluded from the offer, it is subject to strict conditions and must be deemed eligible by BPLG.

  • icone faq question
    Can I end my lease early?

    In the event of termination during the lease term, the leasing party will be required to pay a cancellation fee.

(1) For more information, please get in touch with our Client Service. Our advisors are available on (+352) 42 42 – 2000, Monday to Friday from 8.00 am to 6.00 pm.
(2) Depending on your professional situation.
(3) Under certain terms and conditions for self-employed professionals.
(4) Optional. Tax deductibility varies based on the personal situation of each client and is subject to change.
(5) Offer subject to terms and conditions and approval of your application by the bank and by BNP Paribas Lease Group Luxembourg. Under certain terms and conditions for self-employed professionals.

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