Leasing is a type of financial services in the sphere of financing main company funds.
The procedure of acquiring the equipment by means of leasing is supposed to be rather easy which makes it one of the main advantages of leasing for a Lessee. Besides that Leasing makes it possible for a Lessee to acquire title to the equipment when the term of the Leasing Contract is not valid anymore. In spite of the fact that the Lesser keeps the title to the equipment, he/she has no right to withdraw it from the Lessee in case the latter fulfills his/her duties in a proper way in accordance with terms of the Leasing Contract.
Besides that, a leasing deal is almost fully financed by a leasing company. Owing to this fact the enterprise acquires an opportunity to update and organize new production lines without mobilization of significant bankrolls and attraction of their own large investments or credit facilities. In addition Leasing allows the enterprise to regulate their finance indicators in regard to loan and their own assets ratio in the company balance. In other words Leasing provides an opportunity to avoid the so-called “overcrediting” of the enterprise.
Availability of Leasing for an enterprise in comparison with bank crediting is considered to be a significant advantage of this kind of financial mechanism. There is hardly a bank to be found that would like to finance either projects of high risk level, i.e. “starting from scratch”, or projects of scarce financial support or stable credit history. Since activity of leasing companies is not subject to strict regulation or control, the procedure of acquiring equipment by means of leasing is much easier than borrowing from a bank.
“DBK-Leasing”, JSC. provides different kinds of financial leasing that are to be chosen in accordance with the activity of the Lessee, Lessee's opportunities, project size and individual preferences.
“DBK-Leasing” offers the following schemes of financial leasing:
Leasing due to the scheme BLT;
International leasing;
Leasing with participation of development institutions;
Return;
Classical;
1. BUILD – LEASE – TRANSFER (BLT)
In case a leasing deal is carried out due to the scheme BLT (build – lease – transfer) in “DBK-Leasing”, JSC., a perspective Lessee is to submit an application for possible financing of a leasing deal in respect of acquisition of materials, equipment and services necessary for a turn-key project with its further transfer as a leasing object to the Lessee.
Due to this scheme of a leasing deal the Initiator of the project making its Operator at the same time creates a company, the so-called “Lessee”. Building and constructions, machinery, equipment and other property are transferred as a Leasing object to the Lessee after the leasing object start-up. In this case corporate guarantee for the Lessee is to be provided to “DBK-Leasing”.
Financing by means of leasing due to the scheme BLT is meant for significant and financially stable companies with sufficient resources for project implementation.
2. INTERNATIONAL LEASING.
In case a leasing deal is carried out due to the scheme of International leasing, a perspective Lessee is to submit an application for possible financing of a leasing deal in respect of acquisition of equipment and/or other machinery. In this case a prospective Lessee is a non-resident of the
3. LEASING WITH PARTICIPATION OF DEVELOPMENT INSTITUTIONS OF THE
In case a leasing deal is carried out with the participation of the development institutions of the
4. RETURN LEASING.
In case a leasing deal is carried out due to the scheme of Return leasing in “DBK-Leasing”, JSC., a perspective Lessee is to sell the leasing object to “DBK-Leasing”, JSC., and then acquires the same object as leasing one, i.e. makes both the Supplier of the leasing object and the Lessee.
Return leasing provides an opportunity to release bound capital on a temporary basis by means of sale of the Leasing subject and its contemporary usage on the terms of a financial leasing. In this case the Lessee acquires the title to the leasing object due to the terms of the Leasing Contract after complete fulfillment of his/her duties.
5. CLASSICAL LEASING.
In case a leasing deal is carried out due to the scheme of Classical leasing in “DBK-Leasing”, JSC., a perspective Lessee is to submit an application for possible financing of a leasing deal. In case financing of a leasing deal is approved, “DBK-Leasing”, JSC. is to finance the acquisition of the leasing object by means of signing the Leasing Contract with the Lessee and the Sales Contract with the Supplier of the leasing object and the Lessee.