Commercial vehicle hire purchase

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.

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.

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!

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.

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.

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.

Yes, we offer such an opportunity.

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.

Yes! There are no penalties for early repayment.

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.

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

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

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

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.

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.

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.

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.

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.

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.

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