Professional leasing in Switzerland: Key points

Leasing is a particularly popular financing solution for business equipment in Switzerland. It enables companies to obtain the goods they need for their business without having to buy them immediately. PrestaFlex can help you create an advantageous and transparent professional leasing contract.

📋 1. Principles of the professional leasing contract :

Object of leasing: Mainly professional equipment such as industrial machinery, computers, medical equipment, office furniture, etc.
Legal owner: For the duration of the contract, the asset belongs to the lessor. The user only pays for use.
Contract duration: In Switzerland, leasing contracts for professional equipment can last up to 84 months.
Purchase option: At the end of the contract, it is possible to buy back the asset by paying the residual value set at the beginning of the contract.

💲 2. Costs, interest rates and ancillary charges :

Effective interest rate: It's essential to check the APR (Annual Percentage Rate), which includes all leasing-related costs.
Insurance requirements: For professional equipment, specific insurance may be required by the lessor.
Servicing and maintenance costs: Generally payable by the user, including repairs, maintenance and software updates (for IT equipment).
Down payment : Often optional, but recommended to reduce monthly payments.
Residual value: Amount to be paid if you wish to purchase the asset at the end of the contract.
Hidden costs to avoid: PrestaFlex guarantees total transparency, with no unadvertised additional costs.

📅 3. Conditions for early termination :

Breach of contract: May incur substantial penalties if made before the scheduled end of the leasing period.
Transfer of lease: Some contracts allow the lease to be transferred to a third party in the event of inability to pay. PrestaFlex can help you find suitable solutions.
Renegotiation: Possible to adjust the terms of the contract in line with changes in your business activity.

💼 4. Advantages of business leasing with MultiCredit :

Personalized support: Our specialized advisors will guide you towards the best offers adapted to your business sector.
Comparison of offers: Our platform enables you to compare several leasing offers to obtain the best possible conditions.
Simplified administration: PrestaFlex takes care of all the administrative formalities to make leasing easier for you.
Ongoing monitoring: We keep you informed in real time of the progress of your application.

🔑 5. Practical advice for successful business leasing:

Simulate your leasing online: PrestaFlex offers a free online tool to estimate your monthly payments based on your budget.
Compare offers: Don't settle for the first offer, compare to find the best interest rate.
Prepare a complete file: Have all the necessary documents to hand: balance sheets, financial forecasts, identity papers, etc.
Anticipate the residual value: If you plan to buy back the property at the end of the contract, check that this value is reasonable in relation to the market.

🌟 Why choose PrestaFlex in Switzerland?

🔍 Total transparency: no hidden costs, all information is clear from the outset.
🚀 S peed and efficiency: Fast response thanks to our digitized process, even for complex requests.
👥 Tailor-made support: Experts with a perfect command of Swiss legislation to give you the best advice.

Ready to get your business leasing on the best terms? Apply now on PrestaFlex!

An article by Munur Aslan, Director of PrestaFlex