Leasing and leaseback for more financial flexibility
Get the equipment, vehicles or machinery your business needs – or unlock capital tied up in assets you already own.
One leasing. Flexible options.
Businesses across Lithuania and Estonia trust our leasing solutions to acquire essential assets or unlock capital from those they already own.
Equipment leasing
Finance the machinery, tools or equipment you need to expand your business without a large upfront investment.
Vehicle leasing
Finance commercial vehicles, trucks or an entire transport fleet.
Industrial and agricultural leasing
Finance heavy machinery, tractors, forestry equipment or construction machinery.
Leaseback
Sell your existing assets to Finora Bank and lease them back to unlock capital for your business.
Try the leasing calculator
Run the numbers
How leasing works
Identify what your business needs
Choose the equipment, vehicle or machinery your business needs to grow, modernize or operate more efficiently.
You use the asset and pay monthly
Start using the asset right away and repay the financing through monthly payments. The financed asset may serve as security, so additional collateral is not required.
We finance your purchase
Finance up to 90% of the asset value, with an initial payment starting from 10%. This allows you to invest while preserving capital for other business needs.
Choose what comes next
At the end of the leasing term, you may acquire, return or replace the asset, depending on the type of leasing and the terms of your agreement.
Why choose Finora Bank for leasing
We think like business owners
We take time to understand your business model, not just your balance sheet. Our approach is tailored, not templated.
We offer flexible and tailored solutions
No one-size-fits-all offers. We assess each case individually and adapt terms to your business model and cash flow.
We are regulated and reliable
Finora Bank is supervised by the Bank of Lithuania. Our team consists of 60+ banking and fintech professionals, trusted by hundreds of companies across Lithuania and Estonia.
Frequently Asked Questions
Leasing is available to legal entities, including agricultural businesses and farmers registered in the EU.
Vehicles, commercial transport, machinery, equipment, and other business assets, depending on the case.
To apply for leasing, the following documents are required:
– Latest annual report, balance sheet, and/or income statement (not older than 6 months)
– Quotation or invoice for the asset
– Additional documents may be requested depending on the case.
No. An asset appraisal is not required at the application stage. If needed, it is arranged after a leasing decision has been issued and only in cases where the lessor deems it necessary.
Yes. A down payment is generally required and usually ranges from 10% to 25% of the asset value. In exceptional cases, different terms may be considered, subject to assessment.
No assets pledge is usually required unless agreed otherwise.
Yes. All leased assets must be insured with comprehensive insurance (KASKO) for the full duration of the lease. Insurance requirements are defined in the lease agreement.
In the event of damage or loss, you should contact your insurance provider immediately and inform the bank without delay. Further instructions will be provided based on the situation.
The leased asset cannot be sold without the bank’s consent. You must contact the bank to discuss early settlement of the lease or transfer of obligations, subject to written approval of the bank.
Yes. Early buyout is possible before the lease term ends, in accordance with the terms set out in the lease agreement.
A written request should be submitted to the bank, indicating the amount and preferred repayment date. The bank will confirm the applicable conditions and next steps.
Your leasing payment schedule is provided with the leasing agreement and can be requested at any time by contacting the bank.
Vehicles, production equipment, and machinery that are owned by your company and have a clear residual value can be leased back.
Yes, in many cases. We can refinance existing contracts through a leaseback structure if it improves your cash flow.
