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Equipment leasing

Machinery for new possibilities

  • For new and used agricultural, construction, warehouse equipment.
  • Financing will be more accessible with the support of European Investment Fund.
  • 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.

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  • 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 hl.draudimas@swedbank.lt.

  • 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%. Smaller down payment is possible with EIF guarantee.
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.
  • Fees

  • Documentation

    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. In case you travel with your leased car or motorbike to Armenia, Azerbaijan, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, Turkmenistan, Ukraine, Uzbekistan, Belarus or Russia, you will need to conclude a supplementary policy in addition to your Casco insurance policy.

    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 verslas@swedbank.lt or by calling 1633. 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 verslas@swedbank.lt 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 lizingas@swedbank.lt 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. You can also receive this document by visiting a customer service branch of Swedbank lizingas. 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 into 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 programmes also help financing necessary investments if an enterprise does not have sufficient collateral.

    EaSI guarantee

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

    Requirements for using the EaSI guarantee:

    • Fixed assets and working capital are financed.
    • The maximum amount to be financed is 25 000 €.
    • The company has up to 9 employees.
    • Annual turnover is up to 2 million € or the balance sheet total is up to 2 million €.
    • The guarantee is free of charge.

    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 of the European Union under the Guarantee Facility established under Regulation (EU) No 1296/2013 of the European Parliament and the Council establishing a Union Programme for Employment and Social Innovation (“EASI”) and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing. Additional information on EFSI can be found on the information page provided by the European Commission (https://ec.europa.eu/priorities/jobs-growth-and-investment/investment-plan_en) and on Twitter (#investEU).

    COSME guarantee

    Requirements for using the COSME guarantee:

    • Fixed assets and working capital are financed.
    • The maximum amount to be financed is 1.5 million €.
    • The company has up to 249 employees.
    • Annual turnover is up to 50 million € or the balance sheet total is up to 43 million €.
    • The guarantee is free of charge.

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

    This financing is made possible thanks to the Guarantee that has been provided by COSME and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing.

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

    Choose the purpose of financing and find suitable loan.

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