Financial lease is a form of business financing that allows you to purchase a car on an installment basis. You become the economic owner of the car, while the bank or leasing company remains the legal owner until you have paid off the contract.

Financial lease is primarily intended for entrepreneurs and self-employed professionals who wish to finance one or more vehicles for business purposes without paying the full purchase price upfront.

The key benefits of a financial lease are the preservation of liquidity within your organization; the funds freed up can be used to invest in your business—for example, in additional inventory, staff or training, innovation, and digitalization. In short, instead of having your capital tied up in a single large purchase, you deploy it for activities that drive growth and profitability.

Yes, financial lease is certainly suitable if you need multiple cars.

Upon expiration of the contract, the car becomes your full property, provided that all installments and any final payment have been paid.

With a financial lease, the monthly costs essentially consist only of the loan repayments (principal plus interest) and potentially a balloon payment (due at the end). This differs significantly from an operational lease, where maintenance, insurance, and road tax are often already included.

Yes, in many cases you can apply for a financial lease without annual financial statements, especially if you are a starting entrepreneur or a self-employed professional.

With a financial lease, you are the economic owner of the car. This means you can reclaim the VAT on the purchase price from the tax authorities in a single payment. This VAT is usually settled in the first tax return filed after the purchase.

Yes, in many cases that is possible, but the options vary. Always check the terms and conditions beforehand.

Short term = higher monthly payments, faster ownership
Long term = lower monthly payments, but paying interest for longer
A balloon payment can lower monthly payments but requires a final lump-sum payment at the end.
Have various scenarios calculated to make an informed choice.