Leasing, Factoring and Guarantees

Alternative financing instruments when a classic loan isn't the best or only option — choosing and structuring the instrument by purpose. Leasing, for example, preserves liquidity and, as a rule, doesn't require additional collateral, unlike a classic loan.

Why

Why choosing the right instrument matters

Factoring, leasing and guarantees are not interchangeable — each solves a different financing problem. Picking the right instrument starts with identifying which one you actually have: an asset to finance, cash tied up in receivables, or an obligation that needs to be secured.

Difference between instruments

Leasing finances assets, factoring frees up cash tied up in receivables, a guarantee secures performance of an obligation — each solves a different problem.

Consequences of choosing the wrong instrument

The wrong instrument makes financing more expensive or fails to address the real cause of the liquidity problem.

Signals that you need an alternative instrument

Credit is expensive or unavailable, receivables are growing faster than collections, or a deal requires a guarantee to participate in a tender.

Common problems

Most common problems we solve

Cash tied up in receivables

Sales are growing, but cash arrives with delays that pressure working capital.

Equipment purchases that burden the balance sheet

Buying instead of leasing unnecessarily ties up capital in fixed assets.

Inability to participate in tenders without a guarantee

Business is lost because the company can't provide the required bank guarantee.

Instrument chosen by availability, not price

The first instrument offered is accepted without comparing total cost.

What you get

What you get within the leasing, factoring and guarantees service

Financing needs analysis

Whether the problem is assets, receivables, or performance obligations.

Selection of the optimal instrument

Leasing, factoring, a guarantee, or a combination of them.

Comparison of providers

Terms from multiple leasing companies, factoring companies, or banks.

Structuring the terms

Term, price and conditions aligned with the company's cash flow.

Negotiations with the instrument provider

Representing the company's interests in the negotiation process.

Support through to realization

Tracking the process from selection to contract signing.

How we work together

Introductory conversation

We understand the specific need — assets, receivables, or a guarantee.

Analysis and instrument selection

Comparing options and their total cost.

Negotiations with providers

Running the process to secure the best terms.

Realization

Support through to signing and activating the instrument.

Who it's for, and who it isn't

Who this service is for, and who it isn't

Who it's for

Companies with growing receivables — Sales are growing faster than collections, working capital is under pressure.

Companies planning equipment or vehicle purchases — Leasing preserves credit capacity for other purposes.

Companies participating in tenders — A guarantee is needed for the bid or for proper performance of the contract.

Who it isn't

Companies with orderly, predictable collections — Factoring then doesn't deliver enough value relative to its cost.

Purchases where asset ownership matters strategically right away — Leasing defers, but doesn't eliminate, the ownership question.

Common mistakes

Most common mistakes we see

Comparing only the interest rate, not total cost

Fees and terms change the instrument's real price.

Factoring used as a permanent fix for a poor collection cycle

It treats the symptom, not the cause of the collection problem.

Guarantee requested at the last moment before the tender deadline

Lack of time weakens the negotiating position.

Leasing without analyzing the tax and accounting treatment

The decision is made without the full picture of the total effect.

If you recognize two or more of these — it's time to talk.

FAQ

Frequently asked questions

What's the difference between recourse and non-recourse factoring?

With recourse, the risk of non-collection stays with the company; without recourse, the factoring company takes it on, at a higher price.

Does leasing affect creditworthiness for future borrowing?

It does, but differently than a loan — we analyze the total effect before choosing.

How quickly can a bank guarantee be secured?

Depending on the bank and the company's profile, typically a few business days to two weeks.

Can instruments be combined?

Yes, leasing, factoring and a classic loan are often combined according to the purpose of the funds.

Do you also work with smaller companies?

Yes, the scope of the analysis is adjusted to the company's size and needs.

What is factoring, and what is leasing?

Factoring is the sale of receivables for a faster cash inflow; leasing is long-term financing of equipment or vehicle purchases through rental payments. We choose the instrument based on what's specifically being financed.

How much does the instrument selection and negotiation service cost?

It depends on the type and scope of the instrument. The first conversation is free; we define the fee once we understand the specific need.