Explore Our Leasing Solutions
ALBA LEASING S.P.A. offers a comprehensive range of leasing and financing products designed to address the specific capital challenges businesses face at different stages of growth. Each product category has been developed through direct engagement with clients in the relevant sector, ensuring that our solutions reflect real operational needs rather than generic financial templates. Whether you are looking to expand production capacity, modernise your vehicle fleet, or secure commercial premises without a large upfront investment, our team will work with you to identify the most suitable structure. Explore the full range of what ALBA LEASING S.P.A. makes possible for businesses like yours.
Asset-Specific Leasing Programmes
Industrial Machinery Financing
We finance new and certified used industrial machinery with lease terms ranging from 24 to 84 months. Residual values are calculated using industry-standard depreciation data, and we offer balloon payment options to reduce monthly obligations for businesses with seasonal revenue patterns.
SME Leasing Solutions
Our SME-focused leasing programme features simplified documentation, faster credit decisions, and ticket sizes accessible to growing businesses. We assess SME applications using a combination of financial statements and sector benchmarks, recognising that small businesses often show strength not captured by traditional scoring alone.
Commercial Real Estate Leasing
ALBA LEASING S.P.A. structures sale-and-leaseback arrangements, new property leases, and renovation financing for commercial premises. Our real estate specialists analyse location, zoning, and residual property values to ensure the lease structure remains financially sound for both parties.
Business Investment Financing
For businesses making strategic investments — new production lines, technology upgrades, or market expansion — we provide structured financing that aligns repayment with projected returns. Our investment financing team works closely with client management to model scenarios and stress-test assumptions before commitment.
Flexible Contract Structures
Operating Lease
Under an operating lease, the asset remains on ALBA LEASING S.P.A.'s balance sheet, and the client pays only for the period of use. This structure is ideal for technology assets or vehicles where obsolescence is a concern and the client does not wish to own the asset at end of term.
Finance Lease
A finance lease transfers substantially all risks and rewards of ownership to the lessee, with a purchase option at end of term. This structure suits businesses that plan to retain the asset long-term and wish to build equity through their lease payments.
Sale and Leaseback
Businesses with significant owned assets can release capital through a sale-and-leaseback arrangement, selling the asset to ALBA LEASING S.P.A. and continuing to use it under a lease agreement. This unlocks liquidity without disrupting operations or asset utilisation.