Leasing helps businesses to lease vehicles, special machinery and equipment, and then buy them back. This is convenient, for example, when you need to expand your vehicle fleet, but you don’t have the funds for it yet. However, in 2024, leasing lost its former accessibility — the key rate increased from 16% to 21% per annum and may continue to grow. Alfa-Leasing experts found out who this financial instrument will suit in the new economic conditions.
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Gulnara Shaykhatdarova
Commercial Editor
Which businesses should use leasing?
According to a study by Expert RA, in 2024, due to an increase in the key rate, the average leasing contract amount increased by 28% — due to an increase in leasing payments. In 2025, business will be even more affected by inflation-related uncertainty, and companies will more carefully assess the need for leasing.
Despite the difficult economic conditions, there are categories of businesses that are forced to invest in machinery and equipment to continue their activities and fulfill their obligations to clients. For them, leasing still remains a convenient tool.
These business categories are:
Companies that cannot continue to operate without new technology
Leasing will allow you to maintain the pace of production without poland number for whatsapp withdrawing large sums from circulation to purchase equipment and machinery.
Taxi companies
They are provided with government subsidies, especially for Russian brands of cars, and car manufacturers can offer additional discounts for leasing.
For example, passenger transportation, online trading, industrial production and agro-industry. The demand for services of such businesses is growing, and leasing allows companies to expand.
For companies that need money for modernization or lack working capital for current expenses, sale and leaseback is suitable.
This is a financial transaction in which an organization sells its cars, machinery or equipment to a leasing company and simultaneously enters into a leasing agreement for them with the subsequent right of purchase.
This way, the business quickly receives the required amount while continuing to use its asset.
Why Leasing Is Still Right for These Businesses
The main advantage of leasing remains flexibility:
The terms of the deal can be customized so that monthly payments match the capabilities of the business.
Leasing has three more important advantages: