ING Lease has been a major player in finance leasing in Luxembourg for 30 years. Thanks to this experience, we now offer our services to over 3,000 customers, with over 8,000 active contracts under management. Every year we finance around EUR 120 million in leasing for our customers in Luxembourg. These are all loyal customers who put their trust in our services and advice.

We see ourselves not just as your supplier of financial products, but also as your partner in the day-to-day development of your business.

Frequently asked questions

In conventional finance leasing, ING Lease acquires the equipment you want to finance according to your instructions. This equipment is then rented to you for the term of the leasing contract. At the end of the contract, you can acquire ownership of the property through the purchase option.

Leasing is intended for all types of companies looking to optimise their investments (SMEs, SMIs, companies in the financial sector, multinationals, etc.), as well as the self-employed, artisans, shopkeepers and liberal professions.

  • vehicles: cars, trucks, trailers, pick-ups, buses
  • industrial equipment: machine tools, presses, assembly machines,
  • civil engineering equipment: mechanical shovels, cranes
  • handling equipment: fork lifts, etc.
  • IT tools: servers, PCs, printers
  • office equipment: photocopiers, fax machines
  • medical equipment: scanners, etc.
  • furniture, shop installations, etc.

Great flexibility:

  • you can opt for early purchase at any time
  • you can choose non-linear lease payments adapted to your cash flow situation

A fixed rate:

  • the lease payments are set when the equipment is made available and are maintained for the entire term of the contract.

Neutral impact on the balance sheet:      

  • leasing is an off-balance sheet transaction (no fixed assets or debts to be accounted for)
  •  maintenance of the solvency ratio at the level of the balance sheet

Deductibility of the lease payments:

  • lease payments are tax deductible as external expenses
  • deferral of taxation: financial expenses > depreciation expenses

Boost to your cash flow:

  • you have a source of financing in addition to the bank loan

Leasing also allows you to benefit from the investment tax credit (art 152 bis LIR)

By taking out a finance lease, you can renew your business equipment while improving the presentation of your balance sheet and without having to call on your company's equity.

  • Finance lease with purchase option
  • Sales & Lease back
  • Vendor leases

Examples of projects realised thanks to ING Lease financing

Energy transition is all about teamwork!

At ING, we support companies in their energy transition projects. Jean Clement of Voyages Josy Clement S.A. describes the step-by-step energy transition process he did with ING’s help. 

Society is transitioning to a low-carbon economy. So are our clients, and so is ING. We finance a lot of sustainable activities, but we still finance more that’s not. See how we’re progressing on


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