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How lease-financing works

THREE PARTIES

Three parties are involved in lease-financing, whether by financial or operating lease:
  • the company or the professional in possession of and using the equipment (the lessee),
  • the equipment supplier (the vendor),
  • the financing body , which provides the financing (the lessor).

THREE STAGES

Lease-financing involves a three-stage procedure:
  • the company or professional chooses the equipment they need and negotiates the price with the supplier of their choice,
  • the equipment is delivered to the lessee and is invoiced to BNP Paribas Lease Group, which becomes the owner,
  • BNP Paribas Lease Group rents the equipment to a lessee for a length of time, a “rent” and an agreed repayment schedule. Payments can be made monthly, six-monthly, annually or seasonally.

TERMS AND CONDITIONS OF THE END OF CONTRACT

The end of a contract depends on the means of financing chosen:
  • financial leases provide for a purchase option from the outset. The lessee can take up this option if they want to own the equipment
  • operating leases do not include a purchase action.
Find out more about the end of the contract
Far more than financing
BNP Paribas Lease Group, far more than financing
A comprehensive offer with or without related services :
  • from financing products to long-term full service leasing,
  • including financial and operating leases,
  • flexible leasing solutions,
  • and for the manufacturers and their sales networks,
  • the Wholesale Finance.
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BNP PARIBAS LEASE GROUP France : financement aux entreprises & professionnels – crédit bail (leasing) - location financière
location opérationnelle – LLD – Wholesale Finance – floor-plan – gestion financière des réseaux.