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Equipment leasing

Machinery for new possibilities

  • New! Financing without strong collateral up to 50,000 EUR with EIF Guarantees.
  • For new and used agricultural, construction, warehouse equipment.
  • Easy to set up online - from applying to final repayment.

Information regarding potential risks

Improper fulfilment of your financial obligations may negatively affect your credit history, increase the price of credit, and if the agreement is terminated due to material breach on your side, you may lose any payments already made, as well as the any rights to the financed property.

Fill in an application in 5 minutes Get personalized offer Sign the agreement via internet Bank
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Payment schedule sample

Monthly payment Residual value* Monthly payment Interest payments Document processing fee Total
0 0.00 0.00 0.00 0.00 0.00
  • Agricultural and forestry equipment.
  • Construction equipment - tractors, bulldozers, excavators.
  • Utility equipment – loaders, forklifts.
  • Manufacturing equipment etc.
  • Become the owner of the equipment at the end of the lease period.
  • Gradually pay out equipment purchase value and interest within the lease period.
  • Possibility to buy a used or new equipment.
  • Possibility to return an equipment to the buyback provider or buy it out for residual value at the end of lease period.
  • Suitable for buying a new or used equipment.
  1. Fill in an application via Internet Banking or apply for consultation.
  2. Submit equipment valuation if needed.
  3. The agreement may be signed via Internet Bank.
  4. Pay the down payment, contract fee invoices.
  5. Register the equipment on behalf of Swedbank Lizingas UAB at the relevant registry.

The equipment must have valid CASCO insurance and MTPL insurance, if asset used in traffic. If your CASCO insurance provider is not Swedbank P&C Insurance AS, send a copy of the policy by e-mail to

How it works?

You’ll get an individual financing eligibility score for your company and an extensive list of elements that make up the score.

This calculation is available for small companies. If the financing eligibility score is not shown for your company, book a consultation to meet with us or contact your manager.

See your company‘s score

Get familiar with the measures used to create the score, learn about the criteria that are important and get to know how to improve your score if needed.

If your financing eligibility score is appropriate, apply for a loan. If it is lower, find out how to improve your score.


Your company’s loan eligibility is based on your latest financial statement, so be sure to do your accounting properly and keep the financial statements up- to- date.

Up-to-date annual financial statements are instrumental in the loan application process.

Your equity is:   Eur.

Equity ratio is:  %.

The more of a company’s equity are financed by lenders, the higher the credit risk related to the company. To be in the safe zone, the value of assets financed by the owners should be at least at a moderate level and not negative.


The company‘s ability to be profitable is an important criterion for the evaluation of the company‘s creditworthiness. In order to properly assess the opportunities for financing your company we will focus on your EBITDA (earnings before interest, tax, depreciation and amortisation). Also, please note that we evaluate the history of several financial periods and their dynamics.

The company‘s EBITDA must be sufficient to cover both existing and potential additional liabilities (debt). Thus, for the purposes of a financing application, we calculate the ratio between the company‘s existing and potential additional liabilities (debt) and EBITDA. The ratio should be on a safe level, i. e. not exceeding 3.5.

To be eligible for financing, a company must have a sufficient level of turnover or a future project with good turnover potential. A sustainable pace of turnover growth is one sign of a financially healthy company.

Credit history

Your company’s credit history is one of the most important factors in determining your loan eligibility. Normally, this means reviewing the payment history of your company and other related legal and/or natural persons, who participate in company‘s activities. You can find more information about the personal data processing in the Swedbank approved Principles of Processing Personal Data.

Timely payments of existing and past loans held by your company in Swedbank is one of the key elements for financial eligibility of the company.

The status of payment discipline at your company and its group members in respect to third parties helps us understand whether your company is a responsible partner.

Relationship with bank

Please let us know if you have recently changed the name of your company, its ownership or area of business. Make sure to complete and update your anti-money laundering (AML) questionnaire, as this is an essential part of financing applications.

A completed and up-to-date questionnaire is a prerequisite for applying for a loan from Swedbank.

A sustainable and long-term relationship with the bank creates beneficial conditions when applying for financing.

Blocked accounts can be a clear indication that a company is experiencing difficulties.

The longer your business has been operating, the more trust we will have in it.

  • Leasing equipment or machinery maturity at the end of the leasing contract – 15 years.
  • Financed amount from 6 000 €.
  • Period of contract up to 5 years.
  • Down payment from 15%.
  • The list of insurance companies acceptable for UAB Swedbank lizingas can be found here.
Improper fulfilment of your financial obligations increases your funding costs and can negatively affect your credit history; moreover, if the agreement is terminated due to a material violation on your part, forced debt recovery may be commenced and in case of leasing agreement you may lose not only paid premiums but also your ownership of the pledged property.
Service or operation name Fee
Fee for concluding the agreement
Fee for concluding a lease/operating lease agreement From 1 % of the property value, minimum EUR 200 (plus VAT in the case of operating lease)
Additional fee for concluding/changing a lease/operating lease agreement when a car appraisal report1 is not provided (in that case the property value shall be determined by the Company itself; a car is delivered for examination to the place and at the time specified by the Company (if Company does not specify that car appraisal will be done without car delivery for examination))2 EUR 90 (plus VAT in the case of operating lease)
Fee for amendment to the agreement
Fee for amendment to the agreement EUR 150 (plus VAT in the case of operating lease)
Fee only for extension of the operating lease agreement for up to 2 months EUR 75 plus VAT
Fee for changing the date of payment EUR 30 (plus VAT in the case of operating lease)
Unless the agreement provides otherwise, the fee for amendment to the agreement shall not be charged in the case of the following amendments: - adjustment of the property value after import;
- deferral/shortening of the term of periodic payments when the seller delays the delivery of the property/delivers the property earlier;
- inclusion, change, refusal of the property insurance organisation service;
- inclusion of services in the agreements of lease with services;
- refusal or inclusion of the service of the organisation of compulsory insurance of civil liability of the property user;
- adjustment of the property specification (without changing the price of the property).
Fee for the authorisation for the sub-rent, sublease, loan-for-use of the property (the fee shall be charged per each agreement separately) EUR 30 plus VAT
Fee for the arrangement on the conditional pledge of the property or for a trilateral arrangement on the redemption of the property EUR 100 plus VAT
Fee for the issue of a certificate: a certificate for audit purposes and different other certificates EUR 25 plus VAT
Fee for the issue of a certificate granting the right to travel abroad (the fee shall not be charged when the certificate is issued to a customer (manager of the customer's company)) EUR 10 plus VAT
Fee for the issue of documentary copies
Agreement copy with annexes EUR 10 plus VAT
Copies of other documents (a fee for copies of VAT invoices shall be charged only for the invoices issued more than 2 months before) EUR 3 plus VAT per page
Duplicates of completion deeds shall be issued free of charge.
Private customers submitting a written request shall have the right to receive free of charge the relevant schedule of payments. The schedule of payments shall also be posted on the internet bank of Swedbank.
Fee for resumed validity of agreements upon cancellation of their termination
When agreements are resumed during the same month in which they were terminated For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease, and also in the case of lease, without making changes in the schedule)
When agreements are resumed which were terminated during the previous or earlier month For one agreement - from EUR 90, for each additional agreement - from EUR 30 (plus VAT in the case of operating lease), also paying the amount of interest unpaid during the termination period according to all agreements being resumed (issuing one single invoice)4
Operating lease agreement termination fee (is charged when the agreement is terminated on the customer's initiative and consent of the Company, when the property is transferred to the customer for use)5
When, at the same time, a new lease or operating lease agreement is concluded with the Company EUR 80 plus VAT
In all other cases EUR 160 plus VAT
Property sale administration fee upon expiry or early termination of the operating lease agreement (when the Company agrees to sell the property)5:
Property sale to the customer who has leased it From EUR 450 plus VAT
Property sale to a third party From EUR 600 plus VAT
Additional one-time services (if not included in the agreement): handing of the insured event, performance of technical maintenance and roadworthiness testing, roadside assistance for 24 hr, delivery of a replacement car to another city, car wash, etc. EUR 40/h plus VAT
Replacement car (if not included in the agreement)
A replacement car service shall also cover a short-term car rent service, provided that at least one operating lease agreement or parking maintenance agreement concluded with the customer is valid.
Price per day, EUR, plus VAT
Number of days Economic Compact Medium Large
1-7 days 29 EUR 35 EUR 41 EUR 53 EUR
8-14 days 24 EUR 29 EUR 35 EUR 47 EUR
15-21 days 21 EUR 24 EUR 29 EUR 41 EUR
22-29 days 18 EUR 21 EUR 27 EUR 35 EUR
Price per month, EUR, plus VAT
1-11 months 377 EUR 435 EUR 522 EUR 638 EUR
Price per month, EUR, plus VAT, when a replacement car is rented until delivery of the property ordered by the customer
1-11 months 290 EUR 348 EUR 435 EUR 551 EUR

Where monthly fees are charged, mileage shall be limited to 3 000 km/month.

Additional fees
Fuel supply fee According to actual costs
Fuel supply administration fee EUR 15 plus VAT

1 A car appraisal report issued by the appraiser acceptable to the Company shall be required when the obligations by existing contract are transferring to the new customer or car is purchased from the seller who is not included in the List of Sellers Acceptable to the Company.

2 This option is available: (1) in the cities of Vilnius, Kaunas and Klaipėda, when the car is delivered for inspection at a place and time specified by the Company; (2) in other cases, the Company may waive the requirement to deliver the car for inspection by specifying a different valuation procedure.

3 A separate fee for the issuance of a certificate shall apply for each period of twelve calendar months or for each commitment date specified in the application. A fee of EUR 25 plus VAT shall be charged for a certificate not relating to a time period or commitment date.

4 Foregone interest shall be calculated by multiplying the amount of interest on the first unbilled invoice in the schedule by the number of unbilled invoices/periods (until reinstatement of the agreement).

5 This fee may be included in the sale price of the leased property or paid separately.


You can:

  • ask to extend the agreement term;
  • request to postpone payments if you are facing financial difficulties;
  • make partial payments or fully redeem your assets early.

To change the contract please submit an application.

Authorisation for Use of The Vehicle

  • Using the vehicle in Lithuania and elsewhere in the EU no authorisation is required.
  • Using the vehicle in another foreign country fill in the Application for Authorisation. Before travelling abroad with your leased vehicle, make sure that CASCO insurance is valid in the countries you will be driving in.

If you wish to redeem property in the case of financial leasing, submit an application on the Swedbank’s Internet Bank for Business, by e-mail to or by calling +370 5 268 4422. Having paid the indicated amount you will become the owner of redeemed property.

Upon expiry of the term of the financial lease agreement and upon payment of all purchase instalments and other amounts payable under the financial lease agreement you will become the owner of the leased property.

If your agreement is a financial lease agreement with residual value, you may apply for its extension under the conditions acceptable by both parties. Please email to no later than one month prior to expiry date, specifying the term for which you want to extend the agreement. If we do not receive your notice within the said term, we will deem that you plan to pay all instalments (including the residual value) according to the pre-defined schedule.

If you wish to extend the agreement, please email us to and provide additional information:

  • the term of extension desired;
  • the mileage or the number of hours of operation of the property present at the moment of lease extension;
  • the estimated mileage or the number of hours of operation of the property at the end of the extended lease term.

If you wish to purchase equipment or special machinery:

  • Swedbank lizingas will prepare an offer for the acquisition of the property at a price corresponding to its market price;
  • if the terms of the offer are acceptable to you, you will pay the specified price to Swedbank lizingas and the title to the property will be transferred to you under a sale and purchase agreement.

If you wish to return equipment or special machinery to Swedbank lizingas, please make sure that the property meets the conditions stipulated in the agreement, including the following:

  • The mileage or the number of hours of operation do not exceed the maximum permissible value under the agreement. Otherwise an invoice will be issued to you for the excess kilometres or hours of operation, charging the fee specified in the agreement.
  • The property is returned together with relevant documentation in the same complete state as you have received it, considering normal wear and tear. This means that the property must be complete according to the manufacturer’s specification, with all additional equipment transferred/installed for you, comply with the manufacturer’s requirements, be clean and without any visible or hidden external or internal defects.

Please note that should you fail to return the property in due time, Swedbank lizingas will be entitled to charge penalty at the rate equal to double lease fee.

If equipment or special machinery is subject to registration, upon expiry of the financial lease agreement or upon early redemption of property Swedbank lizingas will send you a statement of termination of the lease agreement. Upon receipt of the end-of-contract deed, you must immediately declare the change of ownership of the vehicle at your own expense.

If the property is not subject to registration, you will receive a statement of termination only upon submission of a relevant application.

If you have purchased a vehicle leased under an operating lease agreement from Swedbank lizingas under a sale and purchase agreement, you must immediately declare the change of ownership of the vehicle at your own expense.

Upon expiry of the term of your financial lease or operating lease agreement you should check whether insurance contracts obtained from or through Swedbank lizingas have not expired. You can see all insurance contracts concluded with Swedbank P&C Insurance, AS, Lithuania branch on the Swedbank’s Internet Bank for Business, where you can apply to change them.

Contracts entered between the European Investment Fund (EIF) and Swedbank enable us to provide loans and leasing services to micro, small and medium-sized enterprises in Estonia, Latvia, and Lithuania. The EIF aims at helping to finance and carry out investments in the European Union and ensuring greater access to capital. The guarantee programme also helps financing asset purchases if an enterprise does not have sufficient down payment.

Guarantee program for medium-sized enterprises “InvestEU SME Guarantee”

The objective of this program is to increase access to finance for SME-enterprises by offering additional guarantee from the EIF.

Main conditions:

  • The maximum leasing amount – up to 500 000 €.
  • Financing of vehicles, machinery, or equipment.
  • The guarantee is free of charge.

Applies to companies with:

  • Up to 250 employees.
  • The annual turnover up to 50 million EUR, or the balance sheet total up to 43 million EUR.
  • Operating for more than 12 months.

To get the EIF-supported financing, ask your contact person in the bank or fill in an application.

Guarantee program for micro-enterprises “InvestEU Micro Guarantee”

The objective of this program is to increase access to finance for micro-enterprises by offering additional guarantee from the EIF.

Main conditions:

  • The maximum leasing amount – up to EUR 50,000.
  • Financing of vehicles, machinery, or equipment.
  • The guarantee is free of charge.

Applies to companies with:

  • Up to 9 employees.
  • The annual turnover up to 2 million EUR, or the balance sheet total up to 2 million EUR.
  • Operating for more than 12 months.

To get the EIF-supported financing, ask your contact person in the bank or fill in an application.

The supported financing benefits from the support from the European Union under the InvestEU Fund. The InvestEU Fund is designed to support policy objectives of the European Union by means of operations that contribute to (i) the competitiveness of the European Union; (ii) growth and employment in the European Union economy, the sustainability of the European Union economy and its environmental and climate dimension; (iii) social resilience; (iv) the promotion of scientific and technological advances, of culture, education and training; (v) the integration of the European Union capital markets and the strengthening of the internal market; (vi) the promotion of economic, social and territorial cohesion; or (vii) the sustainable and inclusive recovery of the European Union economy after the crisis caused by the Covid-19 pandemic.

Additional information can be found on the information page provided by the European Commission.

European Investment Fund

Expert consultations and tailor-made financing solutions for turning the farm’s plans into reality.

To find out which financing option would work best for your company, sign up for a consultation!

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