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Financing

Fast access to financing through leasing and hire purchase programs for used and new machinery

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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.

     
  • Yes, you heard it right. It takes less than a minute for our highly-performing scoring system to evaluate your business’ potential.

     
  • Once the contract is ready, you can review it and sign online.

     
  • 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.

     
  • Focus on the things that matter and take your business to the next level. 

Leasing

Leasing

Get a new car without buying it. Enjoy lower monthly payments and avoid high maintenance cost

Hire purchase

Hire purchase

Own your car by spreading the cost over time with fixed monthly payments. Once you've paid it off, the car is all yours.

Leaseback

Leaseback

Acquire vehicles for your business with our customizable loan solutions.

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

Our promise

Welcome to ESKA Finance. Here the loans are simple and you are understood.

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 minutes

15 minutes

5 days

5 days

Hassle free

Hassle free

Friendly and accessible

Friendly and accessible

Better profits

Better profits

Independent technical check

Independent technical check

With us, you don't have to fill out a bunch of forms and applications — we focus on small and micro-entrepreneurs, which is why we offer the fastest service. You can sign the contract with us online, without leaving your home.

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

ESKA FINANCE

Credit decision time

15 minutes

Official income verification

No

Machinery age limit

up to 20 years

Early repayment without penalties

Yes

Machinery location

All EU

Machinery delivery time

Up to 5 working days after down payment

FREQUENTLY ASKED QUESTIONS

  • 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.

     
  • 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.

     
  • 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.

     
  • 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.

     
  • Yes, we are lenient towards any other financial obligations, and are ready to finance you.

     
  • 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.

  • 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!

  • 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.

  • Yes! There are no penalties for early repayment.

     
  • To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.

     
     
  • 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.

     
  • 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.

  • 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.

     
  • Yes, we offer such an opportunity.

     
  • 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.

     
  • 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

     
  • 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.

  • 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.

     
  • Yes, you can. We will prolong your contract on the same terms.

     
  • No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.

     

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