The most beneficial form of financing, offered for the acquisition of transport vehicles, various machinery, plants or other fixed assets. The object to be acquired serves as collateral, thus the company does not need to encumber other fixed assets. OP Bank is the owner of the respective machinery till the moment of repayment of the financing in full. 

Operative leasing or rental is intended for the temporary use of machinery.

By entering into an operative leasing agreement, the parties agree on the period of use of machinery and its depreciation during the rental period. Leasing payments include only depreciation and credit interest; therefore they are smaller than in the case of financial leasing or loan, thus relieving the cash flow of the company.

The customer acquires machinery from the vendor, by obtaining the title thereto, and registers the commercial pledge over the acquired machinery in favour of the financer. After the registration of the pledge, OP Bank grants the sum of the loan to the customer for it to settle accounts with the vendor.

Leaseback gives your company the opportunity to obtain additional financial means, whilst also retaining the rights to use the leasing object. The lessee and the vendor is one and the same – OP Bank buys and leases back the subject of the lease, but your company continues to use it, by obtaining free current assets. During the leasing period you perform monthly payments, and upon the completion of the leasing term the leasing object will be reregistered in the name of your company.