In addition to a classic purchase, we also offer leasing and hire purchase models via the Finyo platform.
Both options allow installment payments over 24 to 60 months and help preserve liquidity.
Which solution is right for you mainly depends on your company structure and current situation.
Hire Purchase
Hire purchase is suitable for companies that have been operating for at least one year.
Basic principle
- Economically comparable to purchasing in installments
- The vending machine becomes your property at the end of the term
Tax treatment
- VAT is due at the time the contract is concluded
- Tax-wise, it is treated as a sale with installment payments
- The machine is capitalized as a fixed asset and recorded on the balance sheet
In short
Hire purchase makes sense if you want to build ownership and your business already has some operating history.
Leasing
Leasing is often a viable option even for newly founded businesses.
Basic principle
- The machine is provided by the leasing company in exchange for monthly payments
- You are the user, not the owner, during the contract term
Advantages
- Leasing payments are usually fully deductible as operating expenses
- No capitalization of the machine on the balance sheet
- After the base term, a purchase option is typically available
(usually around 3–5% of the list sales price)
In short
Leasing offers maximum flexibility and protects liquidity—especially during the startup phase.
Required Documents
For a financing request via Finyo, the following documents are usually required:
- Completed self-disclosure form
→ available for download as a PDF - Business registration certificate
- Interim financial statements (management accounts) and trial balance, or alternatively a current financial overview
Submission is quick and easy via an online form with file upload.
👉 Inquiry form: https://tally.so/r/81qbbk
