Loans with an equipment guarantee.

Finance Lease

Under this arrangement, BNP Paribas Leasing Solutions finances and owns the equipment, but transfers to the lessee the full risk associated with the use of the asset. It provides no service outside the provision of equipment.

Finance Lease with purchase option

This allows you to purchase the equipment at the end of the contract. You have the opportunity to become the full owner of the asset.

Operating Lease

Under this arrangement, you use the equipment without acquiring it. BNP Paribas Leasing Solutions retains ownership of the asset. Once the rental period is over, you can return the asset or extend your agreement.

Leasing with services

As Operational Lease, but you are entitled to additional benefits such as equipment servicing and maintenance.

All companies and all professionals, regardless of their market or industry, at some time need to invest to grow their business.

Therefore, we offer various finance solutions for:

  • SMEs
  • Mid-size companies
  • Large international groups
  • Craftsmen
  • Retailers
  • Farmers
  • Self-employed people
  • Administrations and public bodies
  • Associations
  • Contact your provider

We have signed partnership agreements with major equipment manufacturers, dealers and distributors. They can offer you a suitable finance solution directly.

  • Contact your bank account manager

BNP Paribas Group bank account managers can work in collaboration with our leasing sales representatives to bring you a tailored finance solution.

As well as finance solutions, we offer:

  • Insurance cover for assets

This is a complementary service providing insurance for your leasing solution. In case of total loss of equipment, compensation is paid to settle your balance. In case of partial loss (optional), the allowance covers the cost of repair or replacement.

  • Insurance cover for operatives

This insures individuals whose services are indispensable to the company against the risks of death and permanent or temporary disability. The outstanding balance on the insured equipment will be settled in full.

  • Maintenance and other services for financed equipment.


We specialise in financing plant, machinery, technological equipment and software. For example:

  • Agricultural machinery including tractors, combine harvesters, forage equipment and balers
  • Construction and civil engineering equipment such as excavators, backhoe loaders and loaders
  • Materials handling vehicles such as forklift trucks
  • Utility and industrial vehicles and road tractors
  • Office, IT and telecommunications equipment
  • Medical equipment such as dental and medical imagery equipment
  • Audio-visual equipment

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A financial leasing contract should mention:

      • Purchase price : The price (excluding tax) at which the company purchases the equipment from the supplier, which forms the basis for calculating the rent. The purchase price is freely negotiated between the lessee and the supplier.
      • Contract period : The period during which the equipment will be rented. The duration can vary according to what type of equipment is being financed, and should be similar in length to the tax depreciation period of the investment. It is normally between three and seven years.
      • Frequency of payments : Payments can be made monthly, quarterly, half-yearly or annually.

For leasing with a purchase option, the contract stipulates the residual value of the asset. This is the price at which the equipment can be purchased at the end of the contract. The price is fixed in advance and takes into account the value of instalments already paid.

There are three options at the end of a contract.

Purchase the equipment The contract includes a purchase option at a price determined in advance. The lessee may buy the asset at the end of the leasing contract by paying its residual value. There is no purchase option.
Return the equipment At the end of the contract, if the lessee does not want to become the owner of the equipment, it is returned. Equipment is returned at the end of the contract.
Extend the contract New conditions are agreed and the contract is extended. If an extension was indicated in the original contract, it will apply without any need for renegotiation.

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We support our customers and partners in 21 countries across 4 continents.