A leasing company that does not verify entries in the BIK and KRD databases[Reklama]

2024-05-13, 10:30 Sponsored article

The need to buy a new car for the company keeps many entrepreneurs awake at night. Lack of sufficient funds together with credit burdens effectively inhibit the development of the company. In such situations, post-lease cars are often the best solution.

How does leasing work?

Leasing is a form of financing that involves renting fixed assets (e.g. a car, a production machine, a construction machine) from a leasing company according to the conditions specified in the contract. It is agreed, among others: the amount of own contribution, the amount of installments, the repayment schedule and the duration of the contract. After the end of the contract, the lessee may buy the leased item or return it to the lessor.

Financing may take place under the so-called leaseback. In this case leasing company first buys the fixed asset from the customer and then rents it under the contract (to the same customer). This way, the fixed asset remains in the company and its owner gains additional funds, e.g. to repay the loan or purchase new equipment. This form of financing is offered by, among others: Internetowy Fundusz Leasingowy SA

Are post-lease cars available for indebted companies?

When the bank gives no chance for a loan and the company’s cash register is empty, it is difficult to think regarding expanding the car fleet. However, what to do if the vehicles you already have are no longer suitable for further use and employees need to transport goods or travel to a customer on an assignment? Luckily post-lease cars can also be acquired with a complicated credit history, e.g. when the company is in arrears with its obligations or repays several credits and loans at the same time.

However, an indebted company often has to accept worse conditions, e.g. a high own contribution or a short contract duration (which translates into higher installments). Although the client does not have to admit his or her financial situation, companies verify their clients in debtor databases, such as the National Debt Register (KRD) and the Credit Information Bureau (BIK). However, you can find a lessor who does not check the customer in the above registers – an example here is Internetowy Fundusz Leasingowy SA

Leasing company for indebted and beginner entrepreneurs

Theoretically, a leasing contract can be signed with any lessor. However, in practice this will not be possible everywhere. Post-lease cars can also be rented from large banks, but in this case the procedures may be more detailed and take more time. It is also more likely that customers with a complicated credit history will be rejected.

However, you do not have to be in debt to have problems with renting or buying a car on credit. Beginning entrepreneurs also struggle with such difficulties, as they usually contribute more to the business than they earn from it. In addition, assessing the financial condition of a young company is more difficult – if only because it is not possible to present tax documents from previous years. In this situation, it is worth contacting Internetowy Fundusz Leasingowy SA, which also offers post-lease cars to people just starting a business.

What should you pay attention to when choosing a leasing company?

Leasing is becoming an increasingly popular way to finance company investments. In the thicket of offers, finding the best one may be difficult – especially in the case of people with low creditworthiness. When checking leasing offers, you should ask, among others: regarding:

• amount of own contribution,
• length of the financing period (the longer it is, the lower the installment),
• amount and number of installments,
• post-lease cars available,
• required formalities,
• waiting time for the car.

For example, the leasing company IFL SA offers operational leasing with an own contribution from 10% and a financing period of up to 5 years. The customer can also count on simplified procedures (minimum formalities, no BIK and KRD), as well as quick delivery of the car – even within 48 hours of signing the contract.

How to contact the IFL leasing company?

You can call one of the numbers:

or write an e-mail to: [e-mail]

or visit the lessor’s office in person: ul. Szlak 20/8, 31-153 Kraków