Crédit Agricole Leasing German Branch products, services and reviews

About Crédit Agricole Leasing German Branch

Crédit Agricole Leasing German Branch (Crédit Agricole Leasing & Factoring S.A., German Branch) operates as the German platform of Crédit Agricole Group’s leasing and factoring business, focusing on financing solutions for corporate and professional clients rather than retail banking. The branch provides finance leases, operating leases, and sale‑and‑leaseback structures, along with vendor finance programs developed with manufacturers and dealers. Typical asset coverage includes industrial machinery, construction and agricultural equipment, commercial vehicles and transport assets, IT and office technology, medical equipment, and, in selected cases, real estate and renewable energy installations. Transactions are structured on the basis of asset type, tenor, residual value assumptions, and the client’s credit profile, with pricing generally comprising interest margins and arrangement or documentation fees; early termination, end‑of‑term purchase options, and maintenance responsibilities are defined contractually and can affect total cost. Origination is primarily B2B through direct relationships and vendor partnerships, with cross‑border capabilities supported by the group’s European network. As a branch of a French entity, it operates under applicable EU and German requirements; it does not take deposits or provide consumer current accounts, and deposit guarantee schemes are not relevant to its model. Risk management, funding access, and compliance frameworks are aligned with Crédit Agricole Group standards, including policies for credit, residual value, and interest rate hedging; sustainability criteria may apply to assets such as energy‑efficiency or renewable projects. Availability and terms depend on due diligence, asset appraisal, and internal approvals, and documentation, guarantees, or collateral can be required.