De Lage Landen Finans AB, sivuliike Suomessa products, services and reviews

About De Lage Landen Finans AB, sivuliike Suomessa

De Lage Landen Finans AB, sivuliike Suomessa is the Finnish branch of De Lage Landen Finans AB, part of DLL’s international vendor finance network ultimately owned by the Rabobank group. The branch focuses on business-to-business asset finance delivered mainly through manufacturer and dealer programs, with solutions that typically include finance leases, operating leases, and hire purchase agreements for equipment across sectors such as agriculture, construction, transport, industrial machinery, medical and office technology, and energy-related assets. Contracts are structured around the financed asset’s expected life and residual value, with payment schedules tailored to usage patterns; ownership or title generally remains with the lessor until obligations are met, and customers are commonly required to maintain insurance, handle maintenance and taxes, and comply with detailed return conditions at end of term. Pricing is risk-based and depends on asset type, term, residual value assumptions, customer credit profile, and prevailing interest rates; documentation, administration, late payment, and early termination charges may apply, and breaking contracts early can be costly. Credit assessment is standard KYC/AML-driven and usually requires recent financial statements and information on the financed equipment; decisions are often coordinated via vendor partners, with documentation provided in locally used languages. The branch operates as a Finnish establishment of a Swedish finance company, with home-state licensing and supervision in Sweden and local registration in Finland; it is not a deposit-taking bank, and customer funds are not covered by deposit guarantee schemes. The offering targets corporate and professional users rather than retail consumers, and it is commonly used to align equipment costs with cash flow while keeping collateral primarily in the financed asset. Potential clients should review lease accounting implications, end-of-term options, service obligations, and fee schedules before signing.