Alternative leasing for businesses without creditworthiness
Bank turned down your leasing application? Requirements too high? We offer alternative leasing for businesses with a credit history, arrears, or a short track record. Efficient decision, minimum paperwork.
Alternative leasing. Not a bank, not a standard leasing company.
Standard leasing companies are bank subsidiaries. They apply the same rigid criteria: creditworthiness, scoring, no arrears, a minimum track record. We work differently: as an intermediary, we help you get leasing on the best possible terms, working with leasing companies, funds and private financiers who assess the item's value and your company's real situation, not your BIK (the Polish credit bureau) history.
Entries in BIK or KRD don't automatically disqualify you. We look at the company's current situation and the item's value.
A bank processes a leasing application for weeks. We analyze applications efficiently and without unnecessary stages.
We don't require thick business plans and 5-year projections. Bank statements, documents for the item, and a short conversation.
We lease both new machinery from dealers and used ones, including those bought from private individuals or at auctions.
Alternative leasing is for you if…
- A standard leasing company turned you down because of BIK or scoring
- Your company has a short track record (under 12 to 24 months) and the bank won't talk to you
- You have arrears in social security or tax payments that block access to bank financing
- You're buying a used machine or vehicle that leasing companies reject due to its age or lack of a VAT invoice
- You need a fast decision, because a market opportunity won't wait
- You run a sole proprietorship or company and want to preserve your creditworthiness for other purposes
How does alternative leasing work?
A simple procedure, a concrete decision. No unnecessary stages.
Describe the item: what it is, year of manufacture, price, supplier or seller. A short message or a phone call is enough.
Bank statements for the last 6 months and basic company documents (KRS/CEIDG, NIP). Minimum paperwork.
We analyze the application and send terms with the installment, down payment, period and fee. Zero surprises when signing the agreement.
You sign the leasing agreement, we contribute the down payment, buy the item from the supplier and hand it over for you to use. You drive, produce, earn.
Machinery, vehicles, buildings and equipment
We lease practically anything that has market value and serves a business purpose. Here's what we finance most often.
Production machinery and CNC
Machining centers, production lines, presses, lathes, industrial printers, packaging machines. New from a dealer or used from the secondary market.
Agricultural and construction machinery
Tractors, combines, excavators, loaders, cranes, dozers, rollers. We finance used equipment regardless of age. What matters is market value.
Trucks and delivery vehicles
Trucks, semi-trailers, trailers, vans, delivery vehicles up to 3.5t and above. A company fleet financed under a single agreement.
Passenger cars and SUVs
Cars for business use, including electric and hybrid. We finance new and used vehicles up to 10 years old.
Production and warehouse buildings
Leasing of commercial real estate: steel halls, warehouses, sheds, production buildings. An alternative to a bank mortgage on commercial property.
IT equipment and electronics
Servers, workstations, medical equipment, diagnostic devices, audiovisual equipment. Operating lease with the option to upgrade after the term.
Renewables and industrial installations
Industrial photovoltaics, heat pumps, air conditioning, ventilation, gas boiler rooms. A leasing installment lower than the savings on energy bills.
Why alternative leasing instead of a loan or standard leasing?
Faster than a bank
A bank application for an investment loan waits for months. A leasing application at a standard company takes weeks. With us, an efficient decision.
The item works from day one
Instead of tying up your own capital in buying a machine, you pay the installment from the revenue that machine generates. Cash flow stays in the business.
Tax optimization
An operating lease installment counts fully as a business cost. Lower income tax and lower VAT on vehicle leases.
Creditworthiness stays intact
An operating lease doesn't appear on your balance sheet as debt. You keep your creditworthiness for other purposes: a mortgage, factoring, a working-capital loan.
Flexible buyout terms
Once the agreement ends you can buy out the item, extend the lease, exchange it for a newer model, or simply return it. You decide.
Frequently asked questions about alternative leasing
Yes. Entries in BIK or KRD aren't an automatic obstacle. We assess every case individually, taking into account the company's current financial situation, the value of the leased item and its ability to cover installments from ongoing operations. In many cases, a down payment of 20 to 30% is enough to balance out the risk.
Yes. Standard leasing companies often require a VAT invoice from a registered dealer. We finance the purchase of used machinery and vehicles from private individuals, at bailiff auctions, from classified ads. The key is establishing the item's market value, which we verify through an appraisal.
We generally require a minimum of 10% of the item's value. With a worse credit history or a short business track record, the down payment can reach 20 to 30%. A higher down payment lowers the risk and often translates into a better rate. For a sale-and-leaseback, no down payment is required, since the item already belongs to the company.
Yes, we talk to new businesses. Standard leasing companies usually require 12 to 24 months in business. We assess the project and the owner's experience, not the company's age. New businesses often need to make a higher down payment (25 to 35%) or provide additional collateral. We analyze every case individually.
Leasing commercial real estate is an alternative to a bank mortgage. We buy the hall or commercial building and lease it to your company. Once the agreement ends, you can buy the property for a residual value agreed earlier. Real estate leasing terms are longer than for machinery, usually 7 to 15 years.
Ask about leasing
Fill out the form. We'll get back to you within 24 business hours. The initial conversation carries no obligation.
You can also call: +48 727 941 789 or write to biuro@pozabankiem.pl
