Financial Lease for Start-ups or Without Annual Figures

What is taken into account?

Without figures, the following are taken into consideration, among other things:

• Chamber of Commerce (KVK) registration and legal form;
• experience in the industry;
• current assignments;
• the amount of a potential down payment.

With or without a down payment

A down payment reduces the risk for the financier. Leasing without a down payment is also possible, depending on your situation. Read more about leasing for start-ups.

What role does the business plan play in your application?

An effective business plan includes a clear description of your services or products, your target audience and marketing strategy, and an analysis of the competition. Crucial are the financial forecasts, in which you realistically outline your expected revenue, costs, and profitability for the coming years. These forecasts must be plausible and, where possible, supported by market research or comparable business data. The complete picture presented by your business plan can be decisive for a successful lease application.

Are alternative securities possible?

In addition to a personal guarantee, other forms of security may be considered in specific cases, depending on the leasing company and the nature of the transaction. This could include a higher down payment, which reduces the amount to be financed, or sometimes even the provision of other collateral. It is advisable to openly discuss the possibilities for alternative securities with the leasing company. They can inform you about which options are suitable for your situation, thereby increasing the chances of approval.

Frequently asked questions