Pan-European equipment finance since 1992

Vendor Finance Programmes Across Europe.

You're losing deals you've already won. A vendor finance programme gives your sales team a monthly payment to put on every quote, so CapEx budgets stop stalling equipment sales, in the UK and more than 30 European countries.

A bespoke pan-European funding facilitator for equipment finance across the UK and Europe. We don't just arrange equipment funding, we help you grow.

Speak to a European Funding Director Read the ANCA case study
European equipment leasing specialists

Your customers already expect finance at the point of sale

Across Europe, a large share of businesses lease through a vendor or manufacturer channel rather than going to their bank separately. End customers expect to be offered finance alongside the price. Manufacturers that don't offer it leave a gap their competitors will fill.

For 34 years Oak Leasing has built bespoke vendor finance programmes that help manufacturers, distributors and suppliers close more deals, faster, across the UK and Europe.

Most lenders have a checklist. Oak Leasing has a conversation.

What a vendor finance programme is

A strategic partnership in which a supplier works with Oak Leasing to offer customers rental, leasing or hire purchase directly at the point of sale. Instead of a one-off sale, you help customers acquire the assets they need, with payments matched to their cash flow and budget cycles.

  • Faster decisions and shorter sales cycles
  • Paid on delivery, without waiting on your customer's capital budget
  • Stronger relationships and repeat business at end of term
IFRS 16 compliantTransparent pricingLocal-language support
Sales positioning

The same machine, a very different buying decision

Your equipment hasn't become cheaper; you've made it easier to buy. Many good deals are lost because the customer is asked to approve a €250,000 CapEx request, when they could be approving a predictable monthly figure instead.

Traditional approach
€250,000
One large CapEx request, board sign-off, months in committee
Finance-led approach
€4,865/month
A predictable operating cost a manager can approve

Illustration: €250,000 over 60 monthly payments in advance (1 + 59) at an indicative 6.5% APR. Final terms depend on status, asset type, sector and credit history.

Don't discount the machine. Change the number.

Why monthly payment framing works

Reduces sticker shock

A €250,000 lump sum needs board approval. Broken into monthly payments, it fits a budget a manager can approve alone.

A lower barrier to entry

A monthly figure reads like any other operating expense, far easier to fit into cash flow than a single capital outlay.

Matches how budgets work

Most companies plan spend monthly or quarterly, not in large capital blocks. Monthly pricing fits the approval process.

Predictable and accountable

Fixed payments are easier to account for, reducing friction at financial approval without absorbing the full cost upfront.

Built-in upgrade paths

Upgrade options at 36 months show the product evolves with the customer, reducing the risk of committing to today's technology.

Anchoring, done properly

A €250,000 anchor makes buyers hesitate. Opening with a monthly number sets a far more reasonable anchor for the conversation.

Euro leasing calculator Sterling calculator
One partner, 30+ markets

Turn sales friction into signed orders

Your product is proven and your sales team knows its value, yet strong opportunities still stall on budget pressure, procurement delays and capital approval. As an independent leasing partner, Oak Leasing supports vendors, manufacturers and authorised resellers with programmes that make it easier for customers to say yes.

Pan-European reach

Consistent programmes and support across 30+ countries, making cross-border expansion straightforward.

Bespoke programmes

Frameworks built around your sales model and customers. We adapt where traditional lenders cannot.

Accelerated sales

Lease and rental options at the point of sale remove friction and let customers start using the equipment immediately.

Compliance built in

Agreements structured to be IFRS 16 compliant in the countries where it applies, with local documentation.

How it works

Your vendor finance programme, step by step

Assess

We review your sales cycle, customer challenges and sector requirements.

Design

A co-branded, standardised structure built into your sales process: finance lease, operating lease, hire purchase or refinance.

Train

Your sales team learns to lead with finance, down to a lease option on every quote.

Scale

Access to 40+ regional and international funders for capacity, flexibility and local expertise.

Partner

Ongoing support in multiple languages, localised for each European market.

Who we work with

Manufacturers, distributors and franchisors

Manufacturers and OEMs

Increase sales with finance options built around your product range, from single machines to complete lines.

Distributors and resellers

Offer leasing at the point of sale to lift conversion and keep customers coming back at end of term.

Franchisors and their suppliers

Scalable, multi-country lease solutions that keep every outlet compliant, up to date and uniform. Oak Leasing has arranged finance for more than 1,000 franchise restaurants in Europe.

Direct transactions typically range from £100,000 to £10 million (or the euro equivalent). Within a vendor programme, individual deals from £10,000 are supported.

Pan-European coverage

One programme for every market you sell into

Selling across Europe usually means a different lender, contract and process in every country. Oak Leasing gives you one point of contact and one programme, with deals placed through more than 40 funders that know each market's leasing practice, documentation and tax treatment, in pounds or euros.

United KingdomIrelandGermanyFranceNetherlandsBelgiumLuxembourgAustriaSwitzerlandNordicsSpainPortugalItalyCentral & Eastern Europe+ more

Single point of contact

One relationship and one process for your whole dealer network, rather than a patchwork of local lenders.

White label options

Co-branded or white label finance is available in certain countries, so the programme carries your brand.

Stage payments and refinance

Funded stage payments for build-to-order European equipment, and large-asset refinance up to €100m per transaction.

European equipment leasing Compare finance structures
Case study · Germany → Netherlands

ANCA Europe GmbH: two precision CNC machines for a Dutch customer

Germany → Netherlandsc. €650,000Vendor portal

ANCA Europe GmbH builds precision CNC grinding machines, and high capital costs were slowing customers' purchasing decisions. When a long-standing customer in the Netherlands needed two machines, an order of around €650,000, the finance was already in place.

ANCA has run a European vendor programme with Oak Leasing for more than six years. The deal went through a funder's dedicated vendor portal, with rapid credit approval and e-signature documents replacing what had been a slow, paper-heavy process.

"As a global leader in precision CNC manufacturing, ANCA provides our customers with vital production equipment and technology. Our clients need fast, flexible decisions to optimise their operations, and Oak has been a crucial partner in this process. Their professionalism and extensive funding network make them the ideal financing partner across Europe."

Martin Winterstein · Managing Director, ANCA Europe GmbH
More vendor case studies
Results that matter

The Oak Leasing advantage for your customers

Working capital protected

No upfront cost, payments aligned to revenue, and bank credit lines kept free for day-to-day operations.

Speed and simplicity

Fast approvals and e-signature remove obstacles and shorten decision cycles.

CapEx-friendly

Leasing answers concerns about capital outlay, closing deals that would otherwise stall in the budget committee.

Upgrade pathways

Regular upgrade options keep customers current and your sales pipeline open.

What we finance

If it's business-critical, we can lease it

Industrial robotics, machine tools, production lines, airport ground support equipment, IT and data centres, medical imaging, hospitality and retail fit-outs, and renewable energy systems.

ManufacturingCNC, packaging, food lines and plant Robotics & automationRobots, cobots, AGVs and cells Airport & GSEGround support equipment programmes IT & technologyHardware, software and services Data centresPower, cooling and compute Medical & healthcareImaging, diagnostics and clinics
European vendor leasing FAQs

Straight answers on vendor finance

What is a vendor finance programme?

A vendor finance programme is a partnership in which a manufacturer, distributor or supplier works with a finance partner such as Oak Leasing to offer customers leasing, rental or hire purchase at the point of sale. The customer pays monthly, and the vendor is paid on delivery.

Why is vendor leasing important in Europe?

A large share of European businesses lease through a vendor or manufacturer channel rather than arranging finance separately with a bank. Offering leasing at the point of sale addresses CapEx concerns and speeds up the sale.

Can you set up vendor programmes across Europe?

Yes. Oak Leasing has launched many vendor programmes for manufacturers and suppliers across Europe, covering more than 30 countries through over 40 funders, in pounds or euros.

How do I offer leasing to my customers?

It comes down to two things: a well-designed vendor programme, and sales training so your team offers a lease option on every quote.

Is white label finance available?

Yes, in certain countries white label or co-branded finance is available.

Can you provide leasing for franchisors?

Yes. Oak Leasing has extensive experience arranging programmes for suppliers to major franchisors, including finance for more than 1,000 franchise restaurants in Europe, keeping estates up to date and compliant.

Do you offer finance lease and operating lease?

Yes. Finance leases, operating leases and hire purchase are all available, though countries differ slightly in how they treat each structure.

What deal sizes do you support?

Direct transactions typically range from £100,000 to £10 million or the euro equivalent. Within a vendor programme, individual deals from £10,000 are supported.

Is Oak Leasing a lender?

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.

Explore further

Related resources

The complete guideEquipment leasing in the UK and Europe, explained Vendor case studiesTransactions funded across European markets Partnership deck (PDF)Take the full programme to your leadership team Finance structuresLease, HP, operating lease, sale and leaseback Europe FAQsCountries, deal sizes, terms and programmes Leasing calculatorsIndicative 1 + 59 or 3 + 57 rentals in € or £
Start your vendor finance programme

Ready to put a monthly payment on every quote?

Talk to a European Funding Director about a programme for your customers in the UK and across Europe.

Speak to a European Funding Director Download the partnership deck