FAQ
Your questions,
our clear answers.
Everything you need to know about leasing, renting and lease purchase at WinLease — for businesses and partners alike.
For businesses
From what amount can I finance equipment with WinLease?
From €500 excl. VAT up to €500,000, over terms of 24 to 72 months. No application is « too small »: a laptop finances just as smoothly as a production line.
What equipment can be financed?
Any business equipment: IT and office, medical and dental equipment, industrial machinery, fitness equipment, hospitality equipment, fit-outs… If it serves your business, it can be financed through leasing, renting or lease purchase.
How do I apply and how fast do I get an answer?
A 3-minute form with your VAT number is enough: our systems automatically retrieve your company's public data. The decision arrives in 2 hours on average, and it is firm.
When do I become the owner of the equipment?
With a financial lease, you exercise the purchase option (1 to 15%) at the end of the contract. With lease purchase, ownership transfers to you automatically at term. With an operational lease, you return or renew the equipment — you pay for usage, not ownership.
Does the equipment have to be insured?
Yes, financed equipment must be insured for the full term of the contract, like any business asset. Your usual insurer can add it to your existing policy.
Can I terminate my contract early?
A financing contract runs for a fixed term, but early termination is possible against payment of the discounted balance. Contact us: we calculate the exact amount and the alternatives (transfer, equipment upgrade) before any decision.
What data do you analyse for the credit decision?
Annual accounts filed with the National Bank, your company's seniority and sector, your payment history and the equipment's value. In line with Article 22 GDPR, you can always request human intervention and the reasons for a refusal.
For partners and brokers
How do I submit a financing application for my customer?
From your Partner Portal (Leazr): enter the customer's VAT number, the equipment and the amount — 3 minutes is all it takes. You then follow the decision in real time.
When do I get paid for delivered equipment?
Within 48 hours of the delivery confirmation signed by your customer. Your cash flow never carries the credit risk: it sits with us.
Does the partner programme cost anything?
No. Joining, portal access and onboarding are free. You sell more, we finance — the model is aligned.
What happens if my customer's application is declined?
Every refusal is explained: you know why, and often what would turn the no into a yes (down payment, shorter term, guarantee). You stay in control of the commercial relationship.
Tax and accounting
What is the tax difference between a financial lease and an operational lease?
With a financial lease, the asset sits on your balance sheet: you deduct interest and depreciation. With an operational lease, the payment is a 100% deductible expense and the equipment stays off balance sheet — your debt ratios are preserved.
How is VAT handled?
With lease purchase, VAT is spread over the payments, easing your initial outlay. With leasing and renting, VAT applies to each payment and is recovered under your usual regime.
Is the simulator's payment contractual?
No, it is indicative. Every firm offer is confirmed in a personalised proposal after analysis of the file. For the best tax outcome, your accountant remains the best adviser.