Oak Leasing builds leasing programmes for HVAC manufacturers, distributors and installers, so your customers buy VRF, chillers, heat pumps and full building services upgrades on a fixed payment, in more than 30 countries, through one point of contact.
A bespoke pan-European funding facilitator for equipment finance across the UK and Europe. Established 1992.
Air conditioning and HVAC are no longer optional plant. They drive energy cost, staff comfort, tenant satisfaction and regulatory compliance. Yet the best-specified scheme, with heat recovery, modern controls and lower-GWP refrigerants, is often value-engineered down to whatever fits the budget.
Leasing changes that. A fixed payment set against expected energy savings and lower maintenance makes the higher-efficiency option the easier approval. Installation, commissioning, controls and associated works can sit inside the same agreement.
Most lenders have a checklist. Oak Leasing has a conversation.
A vendor leasing programme puts a monthly or quarterly payment alongside the price on every quotation. Your customer approves an operating cost instead of fighting for capital, Oak Leasing places the deal with the right funder for that customer and country, and you are paid on completion. Programmes are also where we support smaller tickets, from £10,000, because the volume sits across your whole customer base.
| Manufacturer / installer | Building owner or occupier | |
|---|---|---|
| Cash | Paid on completion | No large capital outlay |
| Sales | Shorter decisions, higher-value schemes | Best specification, not just the affordable one |
| Efficiency | Easier to sell lower-energy, lower-GWP systems | Payments set against energy and maintenance savings |
| Relationship | Repeat business at end of term | Clear path to replace or upgrade plant |
HVAC is a pan-European business, but finance is usually local: a different funder, contract and process in every country. Oak Leasing removes that friction. We work with more than 40 funders across 30+ countries, structure deals in pounds or euros, and place each proposal with a funder that knows the local market and its leasing practice.
Replacement demand is rising across Europe as refrigerant rules tighten under the EU F-gas Regulation and the UK's own F-gas regime, and as building energy standards push owners towards heat pumps and higher-efficiency plant. A finance offer that works in every market helps you capture it.
One relationship and one process for your dealer network, rather than a patchwork of local lenders.
Retail, hospitality, logistics and data-centre operators upgrading plant across several countries under one coherent approach.
Buying European-manufactured chillers or plant? Stage payments can be funded against an advance payment guarantee, with interest only until delivery.
Wall, ceiling and ducted units for offices, retail and hospitality.
Variable refrigerant flow heating and cooling, including heat recovery.
Air- and water-cooled chillers for commercial and process cooling.
AHUs, packaged rooftop units and ventilation with heat recovery.
Air-source and water-source heat pumps for commercial buildings.
Building management systems, metering and integrated controls.
CRAC/CRAH units, in-row and precision cooling.
Commercial refrigeration plant and cold rooms.
Ductwork, electrical, installation and commissioning where appropriate.
For property owners, occupiers, facilities teams and multi-site operators investing £100,000 to £10 million, we structure finance directly: plant replacement, building-wide upgrades, estate-wide programmes and multi-country roll-outs. Existing plant can also be refinanced to release cash.
Smaller single-site jobs are best served through your installer's leasing programme. Ask whether they work with Oak Leasing, or introduce us.
From the outset we set out:
Oak Leasing is not a direct lender. We arrange funding through our panel of funders, who typically pay our fees on activation.
We learn the scheme, the sites, the markets and the timetable.
Term, payment profile and end-of-term options matched to the plant.
Each country and credit profile matched to the right funder.
System installed and signed off; supplier paid; payments begin.
“The service and process is quick and efficient, the paperwork is effortless, would strongly recommend them if you are looking for a leasing partner.”
Cathy Coghlan, MD, Dorian Black Ltd, Dublin
“Delighted with your efficient and helpful service.”
Derek Mair, MD, Gleann Mor Spirits Company Ltd
Yes. Air conditioning and HVAC systems, from split units to VRF, chillers, air handling units and heat pumps, can be leased over a fixed term. Installation, commissioning, controls and associated works can usually be included in the same agreement.
It is a finance facility built into a manufacturer's, distributor's or installer's sales process. Each quotation shows a fixed payment alongside the price, Oak Leasing places the deal with a suitable funder, and the supplier is paid on completion.
Oak Leasing arranges equipment finance in more than 30 countries, including the UK, Ireland, France, Germany, the Benelux, the Nordics, Spain and Italy, through relationships with over 40 funders. Deals can be structured in pounds or euros.
Direct projects typically range from £100,000 to £10 million, or the euro equivalent, such as building-wide upgrades and multi-site programmes. Within vendor leasing programmes we also support smaller jobs from £10,000.
Usually, yes. Installation, commissioning, ductwork, electrical and controls can often be included alongside the equipment, depending on the funder and the overall proportion of soft costs.
No. Oak Leasing is a bespoke pan-European funding facilitator, established in 1992. We arrange finance through a panel of funders, who typically pay our fees when an agreement is activated.
Yes. Existing plant can be refinanced through a sale and leaseback to release cash, subject to the age, value and condition of the equipment.
Talk to Oak Leasing about a vendor programme for the UK and Europe, or a large air conditioning and HVAC project.
Oak Leasing Ltd · Lynx House, Ferndown, Northwood Hills, Middlesex HA6 1PQ · Founding member of the Guild of Business Finance Professionals