Leasing for companies

The financing of movable property through rental payments

You can choose to purchase the property after the lease contract has ended.
  • Financing up to 100% of the investment amount.
  • No upfront payment for the asset, so you maintain liquidity.
  • The payments are a tax-deductible expense.

What is leasing?

  • Leasing for companies is designed for companies and self-employed workers in sales, industry, farming or services and who need equipment, vehicles, furniture, or any other goods. 

    We will buy the asset you specify, regardless of the country where it is located (import leasing), so that your company can then use it in exchange for convenient rental payments, with no large outlays required. Moreover, when the rental agreement ends, you have the option to purchase it. 

    We help you handle the investments you want to make in movable property, obtaining the highest tax deductions, depending on your tax regime.

    It has the option of insuring the financed assets while covering the entire capital pending repayment in the event of total loss and theft.

Advantages of leasing

  • For your company
    • It is a medium and long-term financing formula (2 years minimum period for personal property and 10 years for real property).
    • Financing of up to 100% of the amount of the investment without taxes, since the Leasing is constituted for the total amount of the invoice excluding VAT/IGIC.
    • You don't need to have funds available to cover VAT/capital gains tax when the asset is acquired, since it will be paid for by the Bank.
    • Tax:
      • Financial charge is tax deductible (without limits).
      • Cost recovery: tax deductible with an annual limit calculated based on applying the coefficient of linear depreciation according to official tables, to double/triple the cost of the asset. The excess that is financially settled and not tax deductible, due to the limit, is not lost, but can instead be deducted in successive fiscal years, respecting the same annual limit.
      • Defer payment of the VAT/capital gains tax over several years: prevents having excess tax to pay in a single year, which is generally not compensated.
    • Payment of the acquired goods, with the added productivity they generate.
    • It facilitates precise calculation of operating costs.
    • At the end of the lease, you can opt to purchase the asset.
    • Compatible with ICO facilities and other facilities (EIB, etc.).

     

Equipment Leasing

  • If you need different assets for the development of your business activity, with BBVA's Equipment Leasing you will be able to have all of them from the outset, making a regular payment and with no large outlay.

    Buying the assets you need for your business (equipment, transport elements, private cars, furniture in general, computer equipment and office equipment), in exchange for regular payments, and at the end of the lease, you can purchase the goods for the fixed residual value.

    Advantages:

    • It allows the asset to be repaid quickly, or, in other words, for the tax payment to be deferred. In the first years of the asset's useful life, you will pay less in taxes than in subsequent years.
    • You will not have to pay large initial outlays and, by paying regular installments, you will be able to add assets to the production processes that increase the returns of your business.
    • Possibility of paying the insurance for the asset together with the leasing fee.
    • Less need for working capital, as the bank will pay the tax (VAT, IGIC) for purchasing the assets.
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