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ESKA Finance - simple and fast loans for small businesses

Fast access to financing through leasing and hire purchase programs for used and new machinery
GET AN OFFER
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Financing opportunity Main
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YOU GET A CHANCE
starting business, no credit history, bad credit history - you get a chance
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15 MINUTES
for a credit decision
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DOWN PAYMENT 10%
down payments starting from 10%
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YOU START IN 5 DAYS
we deliver your machine within 5 days
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USED MACHINERY FINANCING
up to 20 years old
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SELECTION AND DELIVERY
of vehicles and machinery across the EU
Our promise Main
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Welcome to ESKA Finance. Here the loans are simple and you are understood.

We are not another bank or leasing company focused only on numbers and formalities.

We are a direct, specialised lender. We understand machinery - how it works and how it breaks. We understand your needs. We know that for small entrepreneurs access to finance means opportunity. 

But if you are just starting a business, if you have no credit history or your financial results don't look good or if you are a migrant trying to start a new life in a new place - access to a loan can be impossible to get. 

At ESKA Finance we help solving this problem by looking at all aspects of your story and not just numbers. 

We finance entrepreneurs from all EU member states.

Our managers are always on your side - from helping you find the best used machine to financing and delivering. 

Get your financing today with just a few clicks! It's easy and fast. 

 

15 minutes
Our application process is fast and simple. It takes 15 minutes
5 days
We promise to finance and deliver your machine in 5 days max from application day.
Hassle free
We focus on your business and your machine. No frustrating papers and business plans for credit approval
Friendly and accessible
We finance micro and small sized businesses; entrepreneurs with minimal income, new companies, or companies owned by foreigners / migrants / refugees from non-EU countries
Better profits
We are focused on second hand machinery financing. Its cheaper than new and does the job leaving you with more profit
Independent technical check
You can safely find a machine outside of your local range - we do an independent technical and document check and delivery from all over EU
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With us, you don't have to fill out a bunch of forms and applications — we focus on small and micro-entrepreneurs, which is why we offer the fastest service. You can sign the contract with us online, without leaving your home.
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Used machinery financing made easy Main
NO APPLICATION FEE | SAME DAY APPROVAL | FULLY ONLINE
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Find your dream machinery
You can find your ideal machine on our web site or ask our manager to help you
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Fit to your budget
Our monthly payments are transparent - you can find the right machinery with the right monthly payment
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Fully online
Receive your financing proposal, credit decision and sign your contract online
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Check
We help you with technical check, document check and organise the delivery of your machinery
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Fast start
Within 5 days we finance and deliver your machine ready for business
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Your future is in your hands
Start earning income with your machine tomorrow
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Eska Finance
Competitors
Banks
Credit decision time
15 minutes
2 to 14 days
14 to 60 days
Official income verification
No
Yes/No
Yes
Machinery age limit
up to 20 years
up to 5 years
up to 3-5 years
Early repayment without penalties
Yes
No
Yes
Machinery location
All EU
Local country
Local country
Machinery delivery time
Up to 5 working days after down payment
Up to 2 weeks after down payment
Up to 3 weeks after down payment
Apply for financing Main
Fill in the application form

    Company or name
    Phone
    Email
    Country
    Subject of leasing (or link to announcement)
    Frequently asked questions Main
    Loans Leasing Hire purchase
    +
    Why is ESKA Finance different from my bank?

    First – we work with our own funds. Second – we understand the machinery we finance. Third – we do cross border financing for MSMEs (we can finance a tractor from France to a farmer from Poland). Fourth – our credit decision process takes 15 minutes. Fifth – we finance used trucks and machinery up to 20 years old. We can give you a dozen more reasons why ESKA Finance is better in financing used machinery than your big bank, call us.

    +
    Who can get a loan for used vehicle from ESKA Finance?

    We can offer a financing for used vehicle for everyone. If you are starting your business, if you are growing your business, if you were rejected by local bank or leasing company – we have a financial solution for you with a monthly payment that will meet your budget.

    +
    How does ESKA Finance work?

    ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!

    +
    Can I get a loan or leasing for a commercial vehicle to work in a taxi or Uber/Bolt?

    Yes, we provide loans and leasing for vehicles that will work as a taxi.

    +
    How soon can I drive my car?

    It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).

    If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.

    +
    I want to buy a car from a friend. Do you provide loans for cars not purchased from a dealer?

    Yes, we offer such an opportunity.

    +
    Who can be a supplier in a leasing deal?

    The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.

    +
    Can I pay off my loan or leasing early?

    Yes! There are no penalties for early repayment.

    +
    What is the payment schedule?

    It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.

    +
    Can I extend the leasing term for a car?

    Yes, you can. We will prolong your contract on the same terms.

    +
    Do I need to show proof of income?

    No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.

    +
    Can I get leasing from you if I already have loans from banks or other leasing companies?

    Yes, we are lenient towards any other financial obligations, including loans, and are ready to finance you.

    +
    What is the maximum leasing term?

    The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.

    +
    Can I buy used machinery or a car in Germany and get a loan in Slovakia?

    Yes. You can choose machinery or a car from Germany or any other country, and we will finance it and deliver it to Slovakia or any other EU country. Cross border financing is our speciality.

    +
    Are used machinery and vehicles financed on the same terms as new ones?

    We offer individual terms for leasing new and used machinery and vehicles.

    Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.

    +
    What are the criteria for used machinery and vehicles?

    Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.

    +
    Is leasing available for individuals?

    Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.

    +
    In which countries do you operate?

    ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.

    +
    What documents are required?

    To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.

    +
    Why is ESKA Finance different from my leasing company?

    We are not a credit broker or big leasing company with one approach to all clients. We are a specialised lender – we understand the challenges that stand before MSMEs and we understand the machinery we finance. We can tell the difference between a DAF truck and a MAN truck and definitely we know a difference between a rotary and conventional harvester.

    Our staff will help you choose the machine you need. And we do cross border leasing for used machinery.

    No one else can offer such service.

    +
    Who can get a leasing for used vehicle from ESKA Finance?

    Anyone. We offer financial leasing on used and new vehicles, trucks, construction and agricultural machinery to every entrepreneur in EU. Starter, experienced entrepreneur, family business, business set up by immigrants – we create a financial solution for everyone. We can help you find a perfect machinery or you can find it yourself – we will offer you a perfect leasing payment that will allow your business to grow

    +
    How does ESKA Finance work?

    ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!

    +
    I chose a vehicle, filed the application, signed the contract, but the dealer sold the vehicle in the meantime

    This situation can happen, though it is very rare. Don’t worry, we have the biggest database of machinery and vehicles in EU and our managers will find you and alternative. But if we don’t find anything – we will return the downpayment in full amount.

    +
    Can I get a loan or leasing for a commercial vehicle to work in a taxi or Uber/Bolt?

    Yes, we provide loans and leasing for vehicles that will work as a taxi.

    +
    How soon can I drive my car?

    It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).

    If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.

    +
    I want to buy a car from a friend. Do you provide loans for cars not purchased from a dealer?

    Yes, we offer such an opportunity.

    +
    Who can be a supplier in a leasing deal?

    The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.

    +
    Can I pay off my loan or leasing early?

    Yes! There are no penalties for early repayment.

    +
    What is the payment schedule?

    It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.

    +
    Can I extend the leasing term for a car?

    Yes, you can. We will prolong your contract on the same terms.

    +
    Do I need to show proof of income?

    No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.

    +
    Can I get leasing from you if I already have loans from banks or other leasing companies?

    Yes, we are lenient towards any other financial obligations, including loans, and are ready to finance you.

    +
    What is the maximum leasing term?

    The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.

    +
    Can I buy used machinery or a car in Germany and get a loan in Slovakia?

    Yes. You can choose machinery or a car from Germany or any other country, and we will finance it and deliver it to Slovakia or any other EU country. Cross border financing is our speciality.

    +
    Are used machinery and vehicles financed on the same terms as new ones?

    We offer individual terms for leasing new and used machinery and vehicles.

    Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.

    +
    What are the criteria for used machinery and vehicles?

    Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.

    +
    Is leasing available for individuals?

    Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.

    +
    In which countries do you operate?

    ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.

    +
    What documents are required?

    To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.

    +
    Why is ESKA Finance different from my leasing company?

    We are not a credit broker or big leasing company with one approach to all clients. We are a specialised lender – we understand the challenges that stand before MSMEs and we understand the machinery we finance. We can tell the difference between a DAF truck and a MAN truck and definitely we know a difference between a rotary and conventional harvester.

    Our staff will help you choose the machine you need. And we do cross border leasing for used machinery.

    No one else can offer such service.

    +
    Is hire purchase suitable for everyone?

    Yes, hire purchase is good for every form of business, for every industry and every machinery type. You can use hire purchase to finance used truck, vehicle, LCV, construction machinery or agricultural machinery.

    +
    How does ESKA Finance work?

    ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!

    +
    What is hire purchase?

    Hire purchase is a form of buying in instalments. Say you want to buy a tractor and you don’t have enough money to pay for it. The easiest and the fastest way to buy it – is hire purchase. It is faster than financial leasing as requires less efforts and you can get your truck or other machinery as fast as one day after signing the contract. You have to pay and advance payment and monthly payments until you fully repay the truck and the sale goes through.

    +
    I chose a vehicle, filed the application, signed the contract, but the dealer sold the vehicle in the meantime

    This situation can happen, though it is very rare. Don’t worry, we have the biggest database of machinery and vehicles in EU and our managers will find you and alternative. But if we don’t find anything – we will return the downpayment in full amount.

    +
    How soon can I drive my car?

    It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).

    If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.

    +
    I want to buy a car from a friend. Do you provide loans for cars not purchased from a dealer?

    Yes, we offer such an opportunity.

    +
    Who can be a supplier in a leasing deal?

    The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.

    +
    Can I pay off my loan or leasing early?

    Yes! There are no penalties for early repayment.

    +
    What is the payment schedule?

    It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.

    +
    Can I extend the leasing term for a car?

    Yes, you can. We will prolong your contract on the same terms.

    +
    Do I need to show proof of income?

    No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.

    +
    Can I get leasing from you if I already have loans from banks or other leasing companies?

    Yes, we are lenient towards any other financial obligations, including loans, and are ready to finance you.

    +
    What is the maximum leasing term?

    The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.

    +
    Can I buy used machinery or a car in Germany and get a loan in Slovakia?

    Yes. You can choose machinery or a car from Germany or any other country, and we will finance it and deliver it to Slovakia or any other EU country. Cross border financing is our speciality.

    +
    Are used machinery and vehicles financed on the same terms as new ones?

    We offer individual terms for leasing new and used machinery and vehicles.

    Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.

    +
    What are the criteria for used machinery and vehicles?

    Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.

    +
    Is leasing available for individuals?

    Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.

    +
    In which countries do you operate?

    ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.

    +
    What documents are required?

    To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.

    Welcome to ESKA Finance – future of MSME lending

    We provide credit with a simple and fast loan process through leasing and hire purchase programs. Our algorithm looks at you – not just your credit score.

    At ESKA Finance, we specialise on financing new and used machinery through leasing and hire purchase programs for: personal autos, LCVs, trucks, construction machinery and agricultural machinery across EU.

    Our expertise in financing passenger cars, commercial vehicles, trucks, agricultural machinery, and construction machinery has made us a reliable partner for micro and small businesses.

    We are not a broker. We finance you with our money. That means that we have an individual approach for you. We understand the challenges that stand before truckers, farmers and construction contractors that banks and leasing companies don’t understand.

    Our Financial Services

    Auto and Machinery Leasing

    ESKA Finance offers easy, fast and affordable financing for entrepreneurs all over EU. Whether you need a passenger car, a commercial vehicle, or heavy-duty machinery, our leasing solutions are designed to meet your specific requirements.

    Our scoring model is built on AI algorithms that look at the bigger picture – machinery we finance, your background, your experience and your potential. We do not focus on your past performance as conventional banks and leasing companies do. We focus on your future – your ability to make profit with the machinery that we will finance for you.

    We have a team of professional managers for every type of machinery we finance: autos, commercial vehicles, trucks, agricultural machinery and construction machinery. We are not an ordinary bank that doesn’t know anything about trucks and excavators. We are an experienced, specialised direct lender. Our managers will become your trusted advisors in financing the machinery you need and choosing the right machinery for your type of business.

    Auto and Truck Loans

    ESKA Finance offers traditional auto loans, truck loans and loans for agricultural and construction machinery across EU. The loan application is simple and fast. Our competitive interest rates and flexible repayment terms make it easy to finance the assets that you need for your business development.

    Hire purchase financing for trucks, machinery and autos.

    With our hire purchase programs you can finance the trucks, vehicles or machinery you need within one day.

    With hire purchase you own your truck or other machinery from day one. You get individual monthly instalment. If you want to buy a commercial vehicle or machinery – hire purchase is the best answer.

    Spread your payments over time and enjoy the benefits of owning your assets with ESKA Finance.

    Why Choose ESKA Finance for Your Vehicle and Machinery Financing?

    • Competitive rates and flexible terms
    • Expertise in a wide range of industries
    • Tailored financial solutions to meet your needs
    • The transparent and straightforward application process

    Choose ESKA Finance for reliable and customized financial services to help you acquire the vehicles and machinery needed to grow your business.

    How to buy used trucks, agricultural and construction machinery abroad?

    Are you wondering if you can finance a used truck or tractor from abroad? With ESKA Finance it is easy and hassle free.

    We are all used to buying goods online in instalments. BNPL is available on every online store now. Why buying and financing machinery abroad should be any different? We offer B2B BNPL services for used machinery sold in any EU country.

    Often it is challenging to find a model you are looking for in your country. Some markets are just bigger and offer better choice or a cheaper option. Buying and financing machinery from abroad allows you to get the best price with unlimited possibilities.

    And we make sure that you can buy and finance the machinery hassle free:

    • our team speaks almost all EU languages and we can contact the seller for you
    • we offer a detailed technical and documentation report on the machinery
    • we make sure that all papers are in order for transportation, customs and registration of the machine
    • we make sure the payment is secure
    • we organise the transportation for you with our own logistics department

    Get Started with ESKA Finance Today

    We help entrepreneurs from every industry to start their business.

    Truck financing for starters. Construction machinery financing for starters. Strat your courier or taxi business with us today.

    We offer leasing for your truck, vehicle or machinery as a starter.

    If you are interested to start your life as an independent entrepreneur, a truck driver, a courier, a taxi driver or a construction contractor – we are here for you.

    Are you ready to take the next step in securing your financial future? Contact our team of experts at ESKA Finance to discuss your unique needs and find the perfect financial solution for you. Don’t wait any longer – get in touch with us today and make your dreams a reality.