To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.
Hassle free used Construction machinery hire purchase for everyone
Easy and fast: fill out our simple form and instantly receive your financing approval. For everyone: private entrepreneurs and companies, starters and business 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 hire purchase for new and used Construction machinery up to 20 years old. Everywhere: choose any car from any dealer or seller from any EU country. We take care of the rest – technical and document check of the vehicle, delivery and financing. Leave us a message or apply for financing your car 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
Make an offer / Get an offer
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
Compare
| ESKA FINANCE | COMPETITORS | BANKS | |
|---|---|---|---|
Credit decision time | 15 minutes | 2 to 14 days | 14 to 60 days |
Official income verification | No | Yes/No | Yes |
Machinery age limit | up to 20 years | up to 5 years | up to 3-5 years |
Early repayment without penalties | Yes | No | No |
Machinery location | All EU | Local country | 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 |
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
COMPETITORS
Credit decision time
2 to 14 days
Official income verification
Yes/No
Machinery age limit
up to 5 years
Early repayment without penalties
No
Machinery location
Local country
Machinery delivery time
Up to 2 weeks after down payment
BANKS
Credit decision time
14 to 60 days
Official income verification
Yes
Machinery age limit
up to 3-5 years
Early repayment without penalties
No
Machinery location
Local country
Machinery delivery time
Up to 3 weeks after down payment
ESKA FINANCE
COMPETITORS
BANKS
Credit decision time
Credit decision time
15 minutes
Credit decision time
2 to 14 days
Credit decision time
14 to 60 days
Official income verification
Official income verification
No
Official income verification
Yes/No
Official income verification
Yes
Machinery age limit
Machinery age limit
up to 20 years
Machinery age limit
up to 5 years
Machinery age limit
up to 3-5 years
Early repayment without penalties
Early repayment without penalties
Yes
Early repayment without penalties
No
Early repayment without penalties
No
Machinery location
Machinery location
All EU
Machinery location
Local country
Machinery location
Local country
Machinery delivery time
Machinery delivery time
Up to 5 working days after down payment
Machinery delivery time
Up to 2 weeks after down payment
Machinery delivery time
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?
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.
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.
Financovanie stavebných strojov na splátky. ESKA Finance ponúka individuálne riešenia financovania stavebných strojov. Splátkový predaj stavebných strojov je rýchly a flexibilný a výhodný plán financovania pre stavebné firmy.
Tu sú jednoduché kroky na financovanie vašich potrieb stavebných strojov. Prvý krok: vyberiete si stroj, ktorý chcete financovať (rýpadlo-nakladač, rýpadlo, sklápač, domiešavač betónu, autožeriav, cestná dlažba, minirýpadlo, nakladač atď), neobmedzujte sa len na miestny trh - ponúkame cezhraničné financovanie stavebných strojov v EÚ. Financujeme všetky druhy stavebných strojov (zemné práce, cestné stavby, manipulácia s materiálom, betón atď.) Môžete si vybrať, či chcete financovať nové alebo použité stavebné stroje.
Druhý krok: Rozhodnite sa o výške zálohy (depozitu), ktorú chcete zaplatiť, a o dobe financovania. Tieto dva faktory určia výšku vašej mesačnej splátky. Väčšina stavebných dodávateľov chce zaplatiť čo najnižšiu zálohu a žiadať o čo najdlhšiu dobu splatnosti. Pre optimálnu mesačnú platbu je však najlepšie zvážiť zaplatenie zálohy vo výške 20 - 30 % ceny strojov a zvoliť si dobu trvania zmluvy o kúpe na splátky od 36 do 60 mesiacov. V takom prípade budú mať vaše mesačné splátky optimálnu výšku pre váš podnik.
Tretí krok: požiadajte o úver alebo financovanie splátkového predaja vyplnením jednoduchého formulára žiadosti. Získajte schválenie úveru. Podpíšte zmluvu o úvere online a uhraďte zálohu.
Štvrtý krok: začnite dosahovať zisky so svojimi stavebnými strojmi. Sľubujeme, že vám ho dodáme maximálne do 5 pracovných dní.
Nákup stavebných strojov na splátky je bezproblémový, jednoduchý a rýchly. Ponúkame širokú škálu ak financovania stavebných strojov. Úver na nové stavebné stroje pre obľúbené značky: JCB, stavebné stroje Volvo, stavebné stroje Komatsu, Doosan, CAT, Kubota, Hitachi. Úver na použité stavebné stroje pre všetky značky a modely do 20 rokov: Liebherr, SANY, New Holland, Case, Caterpillar atď.
Garantujeme bezproblémový proces žiadosti s minimom dokumentov. Flexibilný úver na stavebné stroje pre začínajúcich podnikateľov a tých, ktorí chcú rozvíjať svoje podnikanie. Bezproblémový proces žiadosti o úver s minimom dokumentov. Ponúkame financovanie nákupu na splátky až do výšky 90 % ceny stavebných strojov. Naše programy financovania stavebných strojov pre dodávateľov sú flexibilné a prispôsobené na mieru. Splátkový kalendár si môžete zvoliť podľa svojho podnikateľského cyklu - ponúkame sezónne splátky pre stavebných podnikateľov. Môžete si vybrať mesiace, keď vaša firma negeneruje príjmy (v stavebníctve sú to zvyčajne zimné mesiace) a splácať len úroky. S ESKA Finance je úver na stavebné stroje jednoduchší ako kedykoľvek predtým. Naši manažéri poznajú trh so stavebnými strojmi a pomôžu vám pri výbere toho správneho stroja. Prevedú vás celým procesom financovania stavebných strojov a budú vám asistovať počas celého obdobia úveru.