Hassle free LCV leasing for everyone
Easy and fast: fill out our simple form and instantly receive your financing approval.
For everyone: private entrepreneurs and companies, starters and businesses looking to expand. Bad credit history, no credit history, immigrants, foreigners – you get a chance. We look at the client – not just the credit history. Everything: we offer leasing of used cars and LCVs up to 15 years old.
Everywhere: choose any vehicle from any dealer or seller from any EU country. We take care of the rest – check the car, deliver and finance it. No documents or business plans.
Just a simple form you need to fill in, instantly receive your financing approval, and start your business. Leave us a message or apply for financing your LCV now. Let’s grow together!
How it works?
01 Apply online in under 15 minutes
The application process is extremely fast, easy, and hassle-free. Forget frustrating paperwork that takes hours. Unlike banks, we value your time, only require minimal docs, and let our AI-driven algorithms do the magic.
02 Get an instant decision in 50 seconds
Yes, you heard it right. It takes less than a minute for our highly-performing scoring system to evaluate your business’ potential.
03 Sign the contract online
Once the contract is ready, you can review it and sign online.
04 Receive your vehicle within a few days
Not only can you order any vehicle from anywhere in the EU, but we also take care of the delivery and paperwork for you. Sit back and wait for your new vehicle to arrive in under 5 days.
05 Start growing your business
Focus on the things that matter and take your business to the next level.
Financing opportunity
You get a chance
starting business, no credit history, bad credit history - you get a chance
15 minutes
for a credit decision
Down payment 20%
without additional security
You start in 5 days
we deliver your machine within 5 days
Used machinery financing
relating to age and number of kilometres driven, motor hours
Selection and delivery
of vehicles and machinery across the EU
We are not another bank or leasing company focused only on numbers and formalities.
We are a direct, specialised lender. We understand machinery - how it works and how it breaks. We understand your needs. We know that for small entrepreneurs access to finance means opportunity.
But if you are just starting a business, if you have no credit history or your financial results don't look good or if you are a migrant trying to start a new life in a new place - access to a loan can be impossible to get.
At ESKA Finance we help solving this problem by looking at all aspects of your story and not just numbers.
We finance entrepreneurs from all EU member states.
Our managers are always on your side - from helping you find the best used machine to financing and delivering.
Get your financing today with just a few clicks! It's easy and fast.
15 minút
5 dní
Bez problémov
Priateľský a prístupný
Lepšie zisky
Nezávislá technická kontrola
Used machinery financing made easy
Find your dream machinery
You can find your ideal machine on our web site or ask our manager to help you
Fit to your budget
Our monthly payments are transparent - you can find the right machinery with the right monthly payment
Fully online
Receive your financing proposal, credit decision and sign your contract online
Check
We help you with technical check, document check and organise the delivery of your machinery
Fast start
Within 5 days we finance and deliver your machine ready for business
Your future is in your hands
Start earning income with your machine tomorrow
Why ESKA Finance
ESKA FINANCE
COMPETITORS
BANKS
ESKA FINANCE
ESKA FINANCE
COMPETITORS
COMPETITORS
BANKS
BANKS
Credit decision time
15 minutes
2 to 14 days
14 to 60 days
Credit decision time
ESKA FINANCE
15 minutes
COMPETITORS
2 to 14 days
BANKS
14 to 60 days
Official income verification
No
Yes/No
Yes
Official income verification
ESKA FINANCE
No
COMPETITORS
Yes/No
BANKS
Yes
Machinery age limit
up to 20 years
up to 5 years
up to 3-5 years
Machinery age limit
ESKA FINANCE
up to 20 years
COMPETITORS
up to 5 years
BANKS
up to 3-5 years
Early repayment without penalties
Yes
No
No
Early repayment without penalties
ESKA FINANCE
Yes
COMPETITORS
No
BANKS
No
Machinery location
All EU
Local country
Local country
Machinery location
ESKA FINANCE
All EU
COMPETITORS
Local country
BANKS
Local country
Machinery delivery time
Up to 5 working days after down payment
Up to 2 weeks after down payment
Up to 3 weeks after down payment
Machinery delivery time
ESKA FINANCE
Up to 5 working days after down payment
COMPETITORS
Up to 2 weeks after down payment
BANKS
Up to 3 weeks after down payment
FREQUENTLY ASKED QUESTIONS
Is hire purchase suitable for everyone?
Yes, hire purchase is good for every form of business, for every industry and every machinery type. You can use hire purchase to finance used truck, vehicle, LCV, construction machinery or agricultural machinery.
What is the payment schedule?
It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.
I chose a vehicle, filed the application, signed the contract, but the dealer sold the vehicle in the meantime?
This situation can happen, though it is very rare. Don’t worry, we have the biggest database of machinery and vehicles in EU and our managers will find you and alternative. But if we don’t find anything – we will return the downpayment in full amount.
What is the maximum leasing term?
The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.
Can I get leasing from you if I already have financing from banks or other leasing companies?
Yes, we are lenient towards any other financial obligations, and are ready to finance you.
Who can be a supplier in a leasing deal?
The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.
How does ESKA Finance work?
ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!
In which countries do you operate?
ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.
Can I pay off my leasing early?
Yes! There are no penalties for early repayment.
What documents are required?
To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.
Is leasing available for individuals?
Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.
What are the criteria for used machinery and vehicles?
Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.
Are used machinery and vehicles financed on the same terms as new ones?
We offer individual terms for leasing new and used machinery and vehicles.
Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.I want to buy a car from a friend. Do you provide financing for cars not purchased from a dealer?
Yes, we offer such an opportunity.
How soon can I drive my car?
It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).
If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.Who can get a leasing for used vehicle from ESKA Finance?
Anyone. We offer financial leasing on used and new vehicles, trucks, construction and agricultural machinery to every entrepreneur in EU. Starter, experienced entrepreneur, family business, business set up by immigrants – we create a financial solution for everyone. We can help you find a perfect machinery or you can find it yourself – we will offer you a perfect leasing payment that will allow your business to grow
Why is ESKA Finance different from my bank?
First – we work with our own funds. Second – we understand the machinery we finance. Third – we do cross border financing for MSMEs (we can finance a tractor from France to a farmer from Poland). Fourth – our credit decision process takes 15 minutes. Fifth – we finance used trucks and machinery up to 20 years old. We can give you a dozen more reasons why ESKA Finance is better in financing used machinery than your big bank, call us.
Why is ESKA Finance different from my leasing company?
We are not a credit broker or big leasing company with one approach to all clients. We are a specialised lender – we understand the challenges that stand before MSMEs and we understand the machinery we finance. We can tell the difference between a DAF truck and a MAN truck and definitely we know a difference between a rotary and conventional harvester.
Our staff will help you choose the machine you need. And we do cross border leasing for used machinery.
No one else can offer such service.Can I extend the leasing term for a car?
Yes, you can. We will prolong your contract on the same terms.
Do I need to show proof of income?
No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.
Partners
We offer LCV leasing and finance for MSMEs across EU. We specialise in financing micro and small buisneses and we know that a lot of entrepreneurs need an LCV in their daily business operations.
We all know that online shopping is developing rapidly and that requires a lot of couriers for delivery. They all use LCVs to deliver the parcels. And becoming a parcel courier and starting a delivery business is one of the fastest and easiest ways of starting a business. All you need a driving license and an appropriate LCV. But success in this business depends on the payments that you pay for a leasing of the LCV. That is why many starting businesses choose to finance a used LCV. It’s cheaper, leaves you with more money in the pocket and more income. Besides when applying for financing of a used LCV you can buy two or more delivery vehicles instead of one. We are revolutionizing the way the LCVs and delivery vehicles are financed for starters. We are ready to supply you with a single delivery vehicle or a fleet of LCVs anywhere in the EU. We lease used vans and even used electric vans. We know everything about financing the courier business as one of 5 vehicles financed by us is an LCV. And 70% of the vans we finance are used delivery vans.
Leasing a used LCV is a best solution for a starting business.
Leasing a used LCV or an electric van for a delivery business is gaining popularity in the EU. The biggest challenge is finding the right van for you. That is why financing a delivery vehicle with us is a good idea – we can find a perfect LCV anywhere in Europe, check it, deliver it and most important finance it. All hassle free and faster than you can imagine.
Many companies need specific vans with equipment – for example small construction contractors. Most leasing companies will not finance a specific used van with equipment – we will as we know exactly what entrepreneurs look when financing a used LCV.
Light commercial vehicle leasing should be accessible for everyone. But more than that speed is important when leasing a used commercial vehicle. Our application process for financing a used LCV is quick, easy and does not require any special information.
We offer flexible financing options for light commercial vehicles
Hire purchase for used LCVs
Financial leasing for used vans
Loan for used LCVs
We finance deals for purchasing used light commercial vehicles as low as EUR 8000. We finance LCVs up to 15 years old at the start of the agreement and with milage up to 150 000 km.
Renault commercial vehicle lease is very popular among starting entrepreneurs. And we can offer a selection of best option across EU for cross border financing of LCVs. Fast and affordable solution for used car lease.
There are numerous benefits for the customers choosing to finance the LCV from us. We are offering only leasing with buy out, so you will own the van at the end of the leasing term. That is not the only benefit, we finance all kinds of LCVs: vans, pick ups, tippers, electric vans, delivery vehicles, vans for construction, etc. You are not limited in choice of LCVs you want to finance. We offer Mercedes commercial vehicle leasing for our customers across Europe with low prepayments.
Leasing an LCV is more affordable as you spread the cost of the vehicle over the term of the leasing. Start building up your business with a hassle free light commercial vehicle loan from ESKA Finance.
Peugeot commercial vehicle lease is easy with us be it used or new LCVs.
We understand the requirements for financing light commercial vehicles and compact commercial vehicles from a wide range of micro and small businesses and agricultural customers. We offer specially designed loans and leasing programs for used light commercial vehicles for MSMEs.
We offer loans and leasing for both new and used commercial vehicles. Documents required for LCV leasing and loan are very easy – your company name, tax number, passport of the beneficiaries.
Get hassle free financing for used and new commercial vehicles and expand your business. ESKA Finance offers loans of all types of light commercial vehicles (new and used) of all manufacturers. We offer loans and leasing to newly established companies, starters, and immigrants.
Depending on your business you may require a commercial vehicle. For instance, a van for food delivery, a truck for transportation of goods, a car for flower delivery. We are close to our clients offering financing for electric vans, refrigerated vehicles, fleet of vans for delivery. ESKA Finance is here to ensure that you will get financed when buying commercial vehicle. We help you finance your fleet of LCVs so you can deliver your products. ESKA Finance is a pioneer in used light commercial vehicle leasing in the EU. Our Volkswagen commercial vehicle lease program is very popular among starting entrepreneurs.
Used light commercial vehicle leasing and financing. We know professionals have specific requirements to LCVs. Vans have to be equipped with shelves and drawers or have refrigerating system. Most companies do not finance customized light commercial vehicles. We do. And we have an established network of dealerships across EU to find the right used van for you. A light commercial vehicle leasing with option to purchase is our common product. And we have deep knowledge in financing new and used vans and LCVs. We can give you valuable advice on makes, models to suit your specific requirements and you can apply to finance your LCV hassle free with us.
ESKA Finance offers capital lease for LCVs in all EU countries. With capital lease the lessee of a van is treated as the owner of the vehicle. You are responsible for taxes, maintenance, service. But on the other hand, you can write off the interest payments and depreciation of construction machinery. Capital lease of LCVs is significantly longer than operation lease and can go up to 60 month.
Light commercial vehicle leasing with ESKA Finance is very easy even if you are an immigrant or starting your business. Our van leasing programs allow you to easily start your business.
One of our most popular financial programs for starters: van leasing for contractors. Construction contractors can benefit from our hassle-free leasing for used and new vans.
We finance used LCVs in Austria, Belgium, Spain, Italy, Germany, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia and the Czech Republic. We offer possibility to select and deliver used van from and to all EU countries. We also provide loans to foreigners. We support micro, small and medium-sized entrepreneurs.
Eska Finance - leasing of used vehicles in EU for companies and professionals