Leasing for Businesses

What is leasing and how does it work?

What is commercial leasing for companies?

Leasing is a form of financing that enables companies to make necessary investments without having to tie up large amounts of capital. Instead, the acquisition costs are spread over regular leasing instalments, which protects the company's liquidity and enables flexible use of the leased goods. Through leasing, companies can access modern technologies and equipment without having to purchase them directly.

Advantages of leasing with Teylor:

• Fast & digital process: We process leasing applications quickly and efficiently, giving you immediate access to the equipment you need.

• Flexible financing: Our leasing offer is flexible and customised to your company's needs to respond to market changes and operational requirements.

• Improved liquidity: By spreading the costs over the leasing period, you can maintain your liquidity and manage your working capital more efficiently. This allows you to make other investments or cover unforeseen expenses.

• Balance sheet-neutral: With operating leasing, the leased assets remain on the lessor's balance sheet, which improves your equity ratio and credit rating. As the leased assets do not appear on your company's balance sheet, the equity ratio is strengthened, which has a positive effect on the creditworthiness and rating with lenders.

• Tax advantages: Leasing instalments are generally tax-deductible as business expenses, which can lead to tax savings and increase the company's bottom line.

• Expertise: Our leasing experts have extensive experience in lease financing and understand the specific challenges and requirements of different industries. They offer customised advice to find the best financing options for your company.

• Attractive conditions: We look at each customer individually. The conditions are determined based on factors such as the leased object, contract duration, creditworthiness of the company and specific requirements.

• Cost control: Fixed leasing instalments enable precise planning and control of operating costs, which supports the financial stability of the company.

• Competitiveness: By having access to the latest technology and equipment without high initial investment, the company remains competitive and can react quickly to new market requirements.

Examples for commercial leasing

• Operating and production equipment leasing: Financing of production machinery and equipment to increase competitiveness and expand production capacities. By leasing machinery and equipment, companies can continuously update their technology and keep up to date without having to invest large amounts of capital all at once. This makes it possible to react flexibly to market changes and better manage production cycles. Companies may also integrate maintenance and services into leasing contracts, which further increases the operational reliability and efficiency of production processes.

• Fleet and vehicle leasing: Leasing company vehicles to ensure the mobility of the company and optimise fleet costs. With vehicle leasing, companies can regularly renew their fleet, resulting in lower operating costs and greater fuel efficiency. Commercial leasing also offers the possibility to flexibly expand or reduce the vehicle fleet depending on business requirements. This is particularly advantageous for companies with seasonal fluctuations or changing project requirements. Integrated maintenance and repair packages also allow companies to maximise the availability and reliability of their vehicles.

• IT leasing: Leasing IT equipment such as computers, servers, and network technology to keep up to date with the latest technology. IT leasing enables companies to regularly update their technology and benefit from the latest innovations without burdening their liquidity. This is particularly important in times of rapid technological change, when outdated hardware and software can quickly lead to competitive disadvantages. In addition, IT leasing allows companies to better plan their IT costs and benefit from customised support and maintenance services.

How to apply for commercial leasing

• Apply in minutes: Complete our simple online application and receive a non-binding offer immediately.

• Non-binding offer: The offer is customised and includes indicative borrowing terms. You will receive this offer online and free of charge.

• Upload documents: Upload the required documents online. We will treat your data securely and confidentially.

• Identification and digital signature: Identify yourself using video legitimisation and sign the contract digitally.

• Payout: We will check your documents and transfer the invoice amount to your account within one to two business days.

Take advantage of commercial leasing with Teylor and take your business to the next level. Apply today and experience how quick and easy leasing with Teylor can be.

FAQ on commercial leasing:

• What is leasing and how does it work? Leasing is a form of financing in which you use an asset over a certain term and pay regular leasing instalments. At the end of the term, you may have the option to buy the asset or extend the leasing contract.

• What advantages does leasing offer my company? Leasing conserves liquidity, provides access to modern technologies, offers tax advantages and improves your credit rating. It is particularly suitable for companies that need to react flexibly to market changes.

• What types of assets can be leased? We offer leasing solutions for production machinery, vehicles, IT equipment, office equipment and more.

• How long does it take to process my leasing application? Thanks to our digital process, you will usually receive an offer within a few minutes. Once all the necessary documents have been submitted, the funds will be made available within one to two business days.

• Is leasing suitable for every company? Leasing is particularly suitable for companies that want to regularly invest in new technologies and equipment without having to make high initial investments.

• How are the leasing costs calculated? The costs depend on various factors, such as the leased asset, the duration of the contract, the company's credit rating and specific requirements.

• How secure is my data when leasing? We treat your data securely and confidentially. We use modern encryption technologies to protect your information.