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 car 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 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 leasing for new and used cars up to 12 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 financing work
Steps to get your vehicle
Individual offer
Step 1
1
Сhoose car from our marketplace
You could filter by your monthly budget
2
Adjust by yourself parameters of financing
Downpayment and period of leasing or credit
3
Save your offer for specific car
Payments from the offer would be in the contract
Online application
Step 2
1
Fulfill you contact data
Basic information about you and the comapny
2
Addition information about the business
Type of business activity and assets in business
3
Financial data of the business
provide bank statement for the last 6 months
Fast credit decision
Step 3
1
Open data collection
Check of company status from different official data sources
2
Credit history check
Information about companies obligations and debts
3
Financial data analyses
Fast check of bank statements and company reports
Online contract signing
Step 4
1
Car reservation
Receive invoice and official information about the car from dealer
2
Contract creation
Based on commercial offer and car specification prepare contract
3
Singing of contract
Singing online with fast customers identification
Car transfer
The final step
1
Receiving of downpayment
Customer pays downpayment according to the contract
2
Purchase of car
Eska Finance pays the full price for the car to dealer
3
Car delivery
Customer picks up the car from dealer or order delivery of the car
Step 1
1
Сhoose car from our marketplace
You could filter by your monthly budget
2
Adjust by yourself parameters of financing
Downpayment and period of leasing or credit
3
Save your offer for specific car
Payments from the offer would be in the contract
Step 2
1
Fulfill you contact data
Basic information about you and the comapny
2
Addition information about the business
Type of business activity and assets in business
3
Financial data of the business
provide bank statement for the last 6 months
Step 3
1
Open data collection
Check of company status from different official data sources
2
Credit history check
Information about companies obligations and debts
3
Financial data analyses
Fast check of bank statements and company reports
Step 4
1
Car reservation
Receive invoice and official information about the car from dealer
2
Contract creation
Based on commercial offer and car specification prepare contract
3
Singing of contract
Singing online with fast customers identification
The final step
1
Receiving of downpayment
Customer pays downpayment according to the contract
2
Purchase of car
Eska Finance pays the full price for the car to dealer
3
Car delivery
Customer picks up the car from dealer or order delivery of the car
Tesla Model 3 2019
Sedan120881
Netherlands
First regist.
Mileage
74882 km
Gearbox
Automatic
Fuel
Electric
Tesla Model 3 2019
Sedan120875
Netherlands
First regist.
Mileage
150091 km
Gearbox
Automatic
Fuel
Electric
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 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.
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.
Can I extend the leasing term for a car?
Yes, you can. We will prolong your contract on the same terms.
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 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.
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.
What documents are required?
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.
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.
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.
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.
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.
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.
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!
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 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.
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.
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.
Can I pay off my leasing early?
Yes! There are no penalties for early repayment.
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 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.
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.
Can I extend the leasing term for a car?
Yes, you can. We will prolong your contract on the same terms.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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 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.
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.
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.
Can I pay off my leasing early?
Yes! There are no penalties for early repayment.
Do your require any assistance?
Please fill the form and we will contact you shortly
Used car leasing is gaining popularity. For business needs used car leasing is specially popular. Used car costs cheaper, does its job and leaves more income to the business owner.
We offer fast and hassle free capital leasing for used cars for companies and proffesionals across the EU.
We offer an opportunity to every entrepreneur to apply for financial leasing of used car. We know that many immigrants start their business in taxi when moving to a new country. At the same time it is almost impossible to get financed to buy a car for a foreigner in the EU. We understand the challenges and we have created our financial programs for used car leasing to help immigrants and foreigners enrol in the economical life of the EU.
All businesses can apply for leasing of used car. It is easy and fast. Apply to finance your used car on our web site, you will receive a credit decision in minutes. You can also apply through your local auto dealer of used or new cars. Most of the borrowers get a positive credit decision when applying for a used car leasing from ESKA Finance. And if you had an issue with the credit decision - contact our team, we may need more details about your business or your story to help you find a right solution to get financial leasing for your used car. In most cases we will ask for a higher downpayment or a shorter term of leasing. And when we say yes - it is yes - you are approved for used car leasing. You can sign the leasing contract with an e-signature directly on our web site. And in the end of the leasing term - the car is yours with the last payment. No residual value, no hidden strings. You can choose any term for used car leasing from 12 to 60 month. We do not require any income proof, business plans, complicated forms to fill out - everything is online and hassle free to finance your used car.
If you want to buy a used car - better lease it. Used car leasing means paying monthly instalments for a fixed period at the end of which the car is yours. Financial leasing for used cars is not a rental program. It is a financial product like a loan for a used car but much faster and easier for a client. You choose the used car you like, pay the downpayment, we pay 100% of the car price to the dealer, register it and transfer it to you. All you have to do is pay a fixed monthly payment for your used car. When the term of the leasing contract is over - the car is yours with the last payment. You can sell it and get a leasing for your next car.
Financial leasing for a used car is very useful when you don't have enough money to buy a car. Or when you want to put all the expenses on your business. Leasing of used cars is much faster and convenient than a car loan from the bank. Leasing of used car from ESKA Finance is easy, fast and smart. We finance used cars to clients from all over EU.
We finance (lease, loan, hire purchase) used cars and machinery on all EU markets, that means you can buy a used car from any seller in any EU country and we can finance it to you in any EU country. We can always guarantee fast and reliable financing for used cars. Currently we are financing used cars to clients from: Austria, Belgium, Croatia, Czech Republic, France, Germany, Hungary, Italy, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia and Spain. You can apply for an auto loan for a used car, for a hire purchase contract for a used or new car or for standard used car leasing financing.
Why it makes sense to finance your used car with us? We do not limit you in choice of makes and models. You can buy and finance any used car you like from EUR 5 000 to 300 000. We check all used cars for proper documents before we agree to give a car loan. We can finance your used car in 1 day! You apply to lease a used car on our web site, choose the used cars that were already pre-approved, sign the contract and the same day or next day and you can enjoy your drive.
To finance a used car from us be it financial leasing or used car loan, you need simple set of documents: your company name, tax number and your passport. Thats it.
Our managers can help you to find the right used car you are looking for. We are carefully examining the used cars to know what we finance and eliminate any possible risks. And we want to know that you will be happy driving this car.
Like with a car loan - there is a monthly payment for the car. Only with leasing of used cars you know exactly all the payments from the start of your contract. And they will not change. We offer capital lease for used cars of most popular brands such as:
- used Mercedes leasing with low down payment
- used BMW leasing for starters
- used Range Rover leasing for foreigners
- used VW leasing for taxi
- used Skoda leasing for Uber
- used Audi leasing for immigrants
- used Peugeot leasing for Bolt
- used Renault leasing for LeCab
- used Volvo leasing
- used Toyota leasing
- used Tesla leasing
Financial leasing for used cars is available to businesses, professionals, private entrepreneurs and individuals in all EU countries. The hardest part in used car leasing is the down payment. Depending on the market price of the used car and on your data we are able to provide an individual down payment size. If the car is not popular or your documents are not ideal the down payment may be higher than indicated on the used car leasing offer. It is important to know - the higher the down payment - the lower are the monthly payments for used car loan or leasing.
What happens when you repay your car? We have a convenient trade-in programs. Or we can help you sell your old car and you can apply for leasing of another used car. You may choose to keep the car and continue using it. But in most cases clients prefer to change the car after the leasing term is over.
There are a lot of advantages when leasing a used car:
- you don't have enough money to buy - but you already have around 20% from the car price. Leasing is the best answer.
- you have enough money to buy used budget car, but you would like a higher class. Don't wait for a dream to come true - you can use the money as a down payment to lease a used car of your dream.
- we help with the technical condition check of the used car we finance.
- you have no credit history or bad credit history and an auto loan from the bank is not an option. We can offer a financial leasing for a used car even in this case.
Used car leasing for taxi. Taxi business is always a good idea for starters or for foreigners who just arrived to a new country. All you need is a down payment starting from 20% from the car price. You sign the leasing contract for a used car. Choose Bolt, Uber or other taxi service. And start earning money. We help with branding the car. You can always trust our used car leasing programs. Shuttle services to and from major airports are very popular among our clients. And in this category a V class leasing is one of the most popular financial products.
Taxi is a profitable business. You can earn a living by driving a taxi. All you need is a navigator and a driving license. But the most important part is a car. And the best solution for taxi is a used car. Even though used cars are cheaper than new, most people don't have enough many to buy a used car to work in a taxi. And when you are an immigrant that is especially important - starting in a taxi and having an access to financing a car. A lot of taxi services are offering taxi car rental. But in this case you will be giving away a significant amount of money you earn in a taxi to a rental company. For a driver renting a taxi car is not the greatest solution, working hard to give the major share of the profit to the rental company can be demotivating. We offer a solution - leasing a used car for taxi. We know everything about financing taxi cars. And we created special leasing programs for used cars lease for taxi drivers. We know how frustrating it is to be waiting for a decision from a bank for an auto loan approval. And most banks do not approve loan for a taxi. With ESKA Finance you can receive a decision on leasing a used car for taxi in minutes. And start driving your taxi on the second day. We offer easy, fast and hassle free leasing and loan for used cars for taxi.
A car, truck, agricultural machinery or other machinery leasing— the ideal solution for your business financing! You can get the vehicle for yourself or buy it for the company: in this case, you can put all expenses related to the operation of the vehicle on the company.
ESKA Finance offers individual conditions for every client who is interested in purchasing a new or used car on instalments.
For example, you found a used car and you would like to buy it. But you don't have the cash to buy it. In this case, contact us and we will finance it for you! We are offering you a used car leasing programs, used auto loans and hire purchase for used cars. We finance without proof of income, we provide car loans to foreigners and immigrants. We support small and medium-sized entrepreneurs, which is why we provide individual conditions for each client separately on used car leasing. Car leasing for everyone. We provide leasing financing for used cars, vans, taxis and private transfers in any EU member state. We finance used vehicles 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 cars from and to all EU countries. We also provide loans to foreigners and immigrants. We support micro, small and medium-sized entrepreneurs by offering them capital leasing financing.