To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.
Hassle free financing for construction contractors
Working on the construction site is a hard work. That’s why applying for financing shouldn’t be making your life harder. 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: leasing of used construction machinery up to 20 years old. Everywhere: choose any construction machinery: backhoe loader, excavator, tipper from any dealer or seller from any EU country. We take care of the rest – check the machine, deliver and finance it. No documents or business plans. Just simple form you need to fill in and instantly receive your financing approval. Leave us a message or apply for financing now. Let’s grow together!
How financing works
01
Individual offer
Сhoose car from our marketplace. You could filter by your monthly budget.
Adjust by yourself parameters of financing downpayment and period of leasing or credit.
Save your offer for specific car. Payments from the offer would be in the contract
02
Online application
Fulfill you contact data with basic information about you and the company.
Addition information about the business, type of business activity and assets in business.
Financial data of the business provide bank statement for the last 6 months
03
Fast credit decision
Open data collection. Check of company status from different official data sources.
Credit history check. Information about companies obligations and debts.
Financial data analyses. Fast check of bank statements and company reports
04
Online contract signing
Car reservation. Receive invoice and official information about the car from dealer
Contract creation. Based on commercial offer and car specification prepare contract
Singing of contract. Singing online with fast customers identification
05
Car transfer
Receiving of downpayment. Customer pays downpayment according to the contract
Purchase of car. Eska Finance pays the full price for the car to dealer
Car delivery. Customer picks up the car from dealer or order delivery of the car
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
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!
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.
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 extend the leasing term for a car?
Yes, you can. We will prolong your contract on the same terms.
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.
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!
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.
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 extend the leasing term for a car?
Yes, you can. We will prolong your contract on the same terms.
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.
Leasing of used construction machinery for everyone. ESKA Finance offers a revolutionary approach to financing used construction machinery. We go the extra mile not only offering financial programs for construction contractors. But offering a full service of finding the right machine. ESKA Finance offers access to the largest construction machinery selection in EU. Our database is always up to date with construction machinery from all over EU. We not only help you find the machine, but also offer an independent technical check. You don’t have to travel all the way across Europe to check the machine, our independent service specialist will send you a detailed photo and video report. We will organise the transport of the construction machinery. If you need to trade in your machine – we will offer you a trade in service, and the evaluation of the old machine can be used as a down payment for the new machine.
Construction machinery is always a pricy investment. New excavator can cost a fortune. A used excavator can be significantly cheaper, but still is hard to buy no matter the business size. We have specialized programs for financing used CAT construction machinery such as excavators, wheel loaders, backhoe loaders etc. Most popular way to get a construction machine on site is to rent an excavator or a loader. But is it the smartest? Key downsides in renting construction machinery is that you are spending money and not investing. Rental payments for the excavator will not increase your capital. And renting is significantly more expensive than financing a construction machine. You are not investing in the machinery when renting, it means that you will still need to spend money on buying the machine. Financing and leasing construction machinery may be a better option for new and used construction machinery.
Leasing of construction machinery works well for contractors who do not have the money to purchase the equipment. When using financial leasing of construction machinery, you will need to choose the suitable repayment schedule, pay the down payment, and use the machine as your own just repaying month installments. After you pay the last monthly payment – the machine is registered on your name. It is the main benefit of financial leasing – you are paying to own the construction machine. When leasing construction machinery we are not talking about expenses on renting construction machinery, but about investing in your business. One of the popular financial products among construction contractors is JCB leasing. You can apply for financing a used JCB excavator for up to 60 month. JCB leasing is also a very popular product among our clients. JCB construction machinery proved itself as a reliable machinery with reasonable prices.
Some construction contractors often mix up financial leasing of construction machinery with operational lease. Operational leasing is very similar to renting, as you have no obligation to buy the machine in the end of lease term. With financial leasing of construction machinery its different – you know that you will own it from the beginning. You get access to new or used construction equipment from all over EU, you pay a reasonable down payment and you can use the construction machinery you need in your project, paying monthly payments that are fit to your business operations. In the end of the lease term – the construction machinery is registered on your name. This means that if you choose to lease a used construction machine. You are investing in your business. If you choose to rent a construction machine – you invest in someone’s business. At ESKA Finance we understand that not everybody can have 30% for the down payment of a used construction machine. We offer down payment as little as 10% on used construction machinery leasing for our special programs like:
- used Komatsu construction machinery leasing;
- used JCB construction machinery leasing;
- used CAT construction machinery leasing;
- used Volvo construction machinery leasing;
- used Liebherr construction machinery leasing;
- used Bomag construction machinery leasing.
Construction machinery leasing will give your company some freedom and will guarantee that the machine you need is always in your disposal. All used construction machines we offer for leasing come with a service history and you know what you are getting. Besides leasing a used construction machinery is faster than new construction machinery, as local dealers may have a shortage of certain models or a long waiting time. When you have projects planned for the construction season sometimes waiting can mean losing a project. Evaluate you construction machinery needs, contact us, and we will find the best financial solution for financing new or used construction machinery. Keep in mind – construction machinery leasing combines benefits of renting and buying. We offer flexible terms of seasonal payments which allows you to pay less during slower month. We offer flexible hassle free leasing programs for used construction machinery: excavators, dump trucks, auto mixers, auto cranes, backhoe loaders, mini excavators etc.
We provide leasing financing for used excavators, backhoe loaders, tipper trucks, pavers, auto cranes and other construction machinery in any EU member state. We finance used construction machinery 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 construction machinery from and to all EU countries. We also provide loans to foreigners. We support micro, small and medium-sized entrepreneurs.
ESKA Finance offers capital lease for construction machinery in all EU countries. With capital lease the lessee of construction machinery is treated as the owner of the construction equipment. 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 construction machinery is significantly longer than operation lease and can go up to 60 months. With capital lease of construction machinery, the lessor is considered the owner of the equipment. We offer financing for new and used construction machinery up to 20 years old hassle free.
Applying for leasing of used construction machinery is easy and requires just three easy steps: Step one: fill out a simple form on our web site and get a credit decision in minutes. It doesn’t matter if you are in the office, on the construction site, at a dealership or at home – you can fill your loan application at our web site, have it processed immediately and receive a credit decision. If you have questions – contact our managers to solve the issue. In some cases it may be necessary to increase the down payment or have more details on your business or your experience. In any case, we will make sure the loan application will be smooth and fast.
Step two: you have already chosen the construction machinery, we will immediately contact the dealer to reserve it.
Step three: sign the leasing contract on line with electronic signature, receive the invoice for the down payment and pay it. We will handle the rest: contact the dealer, order the technical inspection of the machine if necessary, organise the delivery and handle the registration process. ESKA Finance is your one-stop shop for everything from choosing construction machinery to financing it. Easy financing for construction machinery for customers with bad credit history, no credit history or good credit history. Pan-European (we offer cross border finance in EU) financial company focusing on used construction machinery. ESKA Finance offers flexible leasing programs for used construction machinery: we finance used construction machinery up to 20 years old. We finance leasing deals as low as EUR 10 000. We offer leasing of used construction machinery for contractors from all EU countries. We finance new businesses for leasing of construction machinery. We finance businesses owned by foreigners and by immigrants. Same day approval for used construction machinery financing applications. Our team has over 15 years of experience in financing construction contractors and selling construction machinery. We offer quick and easy loan approval for construction machinery. Apply online. It is easy and hassle free.
Lets grow together!