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Business leasing is a cost-effective solution for growing companies that need to increase the number of cars and machines, without requiring large investments.
Leasing is a good option to improve liquidity and can also result in tax benefits.
Through leasing, you get access to a company car for a fixed monthly fee. The owner is the leasing company. The leasing company is usually responsible for insurance and maintenance, which also means reduced administration costs.
When you start a new lease, the leasing company pays the supplier. You then pay monthly to the leasing company.
Advantages of business leasing
1
Minimal strain on your company's ability to take out loans.
2
Usually fixed monthly cost and fixed interest rates.
3
It is possible to lease a company car without an initial down payment.
4
The leasing period can be longer than the term of a loan. Up to 10 years.
5
For company cars (which are used at least 100 kilometer per year), you can deduct 50% of the VAT from the leasing fee.
Does leasing, renting or borrowing have the lowest cost?
There are many leasing companies and banks on the market. Unfortunately, many are not independent and try to sell on their financing solution.
But, why do you need to choose?
Instead of choosing right now, through Krea you can put several banks and leasing companies to competition with one application. You get several offers for leasing, renting and business loans with one application and can easily compare the total cost of owning the car for your company.
How you get better business leasing terms with Krea
Up to 30 banks and leasing companies are exposed to competition
Selection of our banks and lenders.
Vi konkurrensutsätter flest banker och långivare på marknaden.
Terms guarantee
You always get the same or better terms with Krea as with the leasing company.
How we save time for you
Krea does the work for you throughout the entire process
You get a personal advisor
When you start an application, you will be assigned an advisor dedicated to your business. The adviser's task is to ensure that you get the best terms possible.
Krea optimizes your application
We recommend how to improve your application. Based on 20,000 previous customers, we know how to get the best terms.
Part of Krea's team of advisors
Ella Almstedt
Advisor
Andrea Melin
Advisor
Get an initial assessment of available financing solutions
See your company’s credit limit. You get an answer immediately, without a credit check.
Company leasing in three steps
Upload a quote or link to the object/equipment
Create the application yourself or book an appointment with one of our advisors free of charge.
We optimize your application
We ensure that your company is presented in the best possible way. Only 1 credit report is taken.
We help you choose the best proposal
Sign the agreement, the leasing company pays for the object and you receive the object from the supplier. Usually within 1-10 days.
Is it worth to lease a car or machine for my business?
If you own a small sole proprietorship or limited liability company, you can buy a car in several different ways.
Leasing a car can be done privately or through the company. If the company leases the car, you can deduct 50% of the VAT, in some cases even 100%. However, you may be hit with higher benefit taxation. It is therefore important to consider the total cost of ownership.
In addition to leasing, there are also other forms of ownership, such as installments and loans. In the following list, we go through the most common ways in which you, as an entrepreneur, can buy cars or company cars for the company.
Lease privately or through the company
If you lease through the company, you can deduct 50% of the VAT
If you lease privately, you avoid benefit taxation
Broadly speaking, it is a trade-off between the VAT you can save by leasing in the company against the need to pay benefit tax.
- The VAT deduction means that 50% of the VAT can be included as input VAT. Which means at a monthly cost of SEK 5,000, you can reduce your VAT by SEK 500 per month. However, there are also cars where you can deduct the entire VAT, in which case you can reduce the VAT by SEK 1,000. You can also deduct VAT for maintenance and if you need to refuel the car.
- However, you would need to pay benefit tax for the car. For a similar car that costs approximately SEK 400,000, the beneficial value would be approximately SEK 4,000 a month. Which leads to extra tax of SEK 1,200.
Leasing vs Installment
Leasing means that the company does not own the car and therefore does not need to include it in the balance sheet
Buying a car with installments is more like a regular business loan
Choosing between leasing and installments is more a matter of what you as an entrepreneur prefer. Do you want to own the car at the company or do you prefer that the leasing company is still the owner and thus usually also takes care of maintenance to a greater extent.
Business leasing vs car loan
Leasing means that you can have a lower monthly cost due to the residual value of the car
Borrowing for a car purchase, on the other hand, gives you more flexibility to use the car exactly how you want
Apply for a business loan between 10 000 and 30 million kronor
A business loan of up to 2 million kronor is a flexible solution, generally without a commitment period and with a personal guarantee as the only security. For larger amounts, banks usually require more collateral. Apply for business loans and get answers from several lenders within 24 hours.