Pekao Leasing
Pekao Leasing is a Warsaw-based subsidiary of Bank Pekao S.A. that provides vehicle, equipment, and real-estate leasing plus business loans and insurance to Polish SMEs, startups, and specialized verticals (medical, legal, agriculture, transport), distributed through Bank Pekao branches, a direct sales force, and the auto.pekaoleasing.com.pl marketplace.
- Company typePrivate
- Founded1995
- HeadquartersWarszawa, Poland
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Pekao Leasing does
Pekao Leasing Sp. z o.o. is a Warsaw-based Polish leasing company founded in 1995 and operating as a subsidiary of Bank Pekao S.A., one of Poland's largest banking groups. The company provides vehicle leasing (passenger and commercial up to 3.5T plus heavy transport), machinery and equipment leasing, real estate leasing for commercial properties above PLN 15 million, business loans (including stock loans), and bundled insurance products (motor, property, GAP). It also operates vertical-specific programs targeting medical, legal, agricultural, transport, and startup segments, plus green/sustainable assets financing backed by EIB, EBRD, and CEB subsidies.
The platform combines direct field sales, Bank Pekao branch distribution, a partnership with Superauto.pl running the auto.pekaoleasing.com.pl online vehicle marketplace, and a digital customer portal (portal.pekaoleasing.com.pl) integrated with Asseco's Enterprise Paperless e-signature ecosystem (Platform Signer / SignHub) that supports remote contract execution via SMS authorization, mObywatel, e-dowód, and qualified e-signatures. Pricing follows a subscription-style monthly installment model with parameters such as 60-month term, 18% down payment, 10% buyout, and specialized variants like Wygodny Leasing (rate-adjustable), startup financing (15% down payment / 10% medical), and factory-OEM co-marketing offers with Audi, BMW, Toyota, BAIC, BESTUNE, and SANY.
Revenue is generated primarily from recurring operating-lease installments, interest on loans, and commissions from insurance and ancillary products (fuel cards, workshop program, BGK de minimis guarantees). The company reports no disclosed revenue in source data, but has secured approximately €300M+ in supranational debt within roughly 13 months (EBRD €150M in 2023-09, CEB ~$270M in 2024-03, EIB €150M in 2024-10), supporting a sizable Polish SME financing book and a headcount of 251-500.
Pekao Leasing firmographics
Firmographics- Name
- Pekao Leasing
- Legal name
- PEKAO LEASING Sp. z o.o.
- Website
- https://pekaoleasing.com.pl
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Pekao Leasing is a Warsaw-based subsidiary of Bank Pekao S.A. that provides vehicle, equipment, and real-estate leasing plus business loans and insurance to Polish SMEs, startups, and specialized verticals (medical, legal, agriculture, transport), distributed through Bank Pekao branches, a direct sales force, and the auto.pekaoleasing.com.pl marketplace.
- Ownership category
- akta.pro rank
Pekao Leasing industry classification
Industry- Product category
- Commercial Leasing Services
- NAICS
- Automotive Equipment Rental and Leasing (5321), Rental and Leasing Services (532), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Lessors of Real Estate (5311)
- SIC
- Services-Auto Rental & Leasing (No Drivers) (7510), Finance Lessors (6172), Services-Equipment Rental & Leasing, Nec (7359)
- akta.pro primary industry
- SME & Small Business Vehicle Leasing (TLABAAAB)
- akta.pro secondary industries
- Leasing & Lease Buyout Financing (FSAKADAC), Premium & Luxury Vehicle Leasing (TLABAAAF)
Keywords
Where Pekao Leasing is headquartered
LocationHeadquarters
- HQ city
- Warszawa
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
Pekao Leasing business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Operating Lease (Leasing operacyjny): Primary revenue stream from operating leases for vehicles, machinery, equipment, and real estate. Customers pay regular lease installments with option to buy at end of term. Rates from 1,695 PLN/month for vehicles.
- Loans (Pożyczki): Loan products including standard loans and stock loans (pożyczka stockowa) for financing business equipment and operations.
- Insurance Products: Commission revenue from insurance products including vehicle insurance (komunikacyjne), property insurance (majątkowe), and GAP insurance offered alongside leasing agreements.
- Ancillary Services: Additional revenue from fuel cards (karta paliwowa), workshop program (program Warsztat), and other supplementary services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Vehicle Leasing - Example: AUDI A3 from 1,695 PLN/month net |
| Subscription | Monthly | Startup Financing - from 15% down payment |
| Subscription | Monthly | Flexible/Convenient Leasing (Wygodny Leasing) |
| Subscription | Multi-year contract | Real Estate Leasing - for properties over 15 million PLN |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Pekao Leasing product offering
Product offeringCore offering
Pekao Leasing provides operating leases, financial leases, and business loans for passenger and commercial vehicles, heavy transport, industrial machinery and equipment, and commercial real estate. The portfolio is complemented by insurance (motor, property, GAP), fuel cards, and subsidized financing programs (EIB, EBRD, CEB, BGK de minimis) targeted at Polish SMEs, startups, and selected vertical industries.
Product overview
Pekao Leasing Sp. z o.o. is a Polish leasing company (subsidiary of Bank Pekao S.A.) offering a comprehensive financial services portfolio structured as a unified leasing platform with multiple product lines and partner programs. Core offerings include vehicle leasing for passenger/commercial vehicles up to 3.5T and heavy transport, machinery and equipment leasing, and real estate leasing for commercial properties above PLN 15 million. The product suite extends through add-on modules including various insurance products (motor, property, GAP), business loans, fuel cards, and specialized programs. The company operates specialized financing tracks including the AGRO program for agriculture (with KIOTI partnership), Wygodny Leasing for flexible payment schedules, start-up financing for businesses under 6 months old, and green assets financing for certified sustainable equipment. SME support programs include EIB (European Investment Bank) and CEB (Council of Europe Development Bank) subsidy programs, plus BGK de minimis guarantees. The company provides digital access via a customer portal with e-signature capabilities and an integrated auto marketplace operated with Superauto.pl.
Differentiator
Problem solved
Functional benefit
Products and services
- Vehicle Leasing up to 3.5T (Leasing pojazdów do 3,5T)
Quantifiable outcome
- Expected total investment support of €420 million from €150 million EIB loan
- +2 more outcomes
Companies that use Pekao Leasing
Customer profileNamed customers5 records
Segments7 records
Ideal customer profiles7 records
Pekao Leasing technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature3 records
Pekao Leasing partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- KIOTI (Wataha KIOTI)minorPartnership for agricultural equipment financing, specifically KIOTI tractors. Provides attractive financing conditions, simplified procedures, and comprehensive support for modern agriculture businesses.
- Asseco Data SystemscorePartnership using Asseco's Enterprise Paperless ecosystem including Platform Signer and SignHub for digital contract signing. Enables fully remote leasing agreement execution with multiple e-signature methods (SMS, mObywatel, eDowód, qualified signatures). Implemented on-premise for data security.
- Superauto.plcoreOperator of auto.pekaoleasing.com.pl marketplace. Provides vehicle sales platform with integrated Pekao Leasing financing options. Handles customer inquiries and initial credit assessment.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Pekao Leasing competitors and assessment
Company assessmentDirect peers
- Millennium Leasing: Leasing subsidiary of Bank Millennium, offering vehicle, equipment, and real estate leasing to Polish SMEs. Several Pekao Leasing executives (CCO, CRO) previously held senior roles at Millennium Leasing.
- PKO Leasing: Direct competitor in Polish SME and vehicle leasing, also a captive subsidiary of a major Polish bank (PKO BP). Highly comparable business model, customer base, and product mix; Pekao Leasing's current CEO and CFO both previously led PKO Leasing.
- Alior Leasing: Leasing arm of Alior Bank, focused on SME and consumer vehicle/equipment financing in Poland. Comparable asset categories and SME targeting; Pekao Leasing's CRO was involved in launching Alior Leasing.
- mLeasing: Captive leasing arm of mBank, one of Poland's largest digital banks. Directly comparable in targeting Polish SMEs with digital-first lease origination, vehicle and equipment financing, and bank-channel cross-selling.
- BNP Paribas Leasing: Captive leasing subsidiary of BNP Paribas Bank Polska, offering vehicle and equipment financing. Pekao Leasing's CFO previously ran corporate and SME banking at BNP Paribas Bank Polska, underscoring direct competitive overlap.
- ING Lease (ING Bank Śląski): Captive leasing arm of ING Bank Śląski in Poland, providing asset finance to corporate and SME customers. Comparable product set (vehicles, equipment) and bank-channel distribution model.
- Europejski Fundusz Leasingowy (EFL): One of Poland's largest independent leasing companies, part of the Credit Agricole group. Pekao Leasing's current CEO previously served as President of EFL, making this a closely watched direct competitor in SME and equipment leasing.
- PEAC (Poland): Independent equipment and vehicle leasing company serving Polish SMEs, formerly IKB Leasing Polska. Directly comparable customer base and product mix; Pekao Leasing's CRO previously led credit risk at PEAC Poland.
- Santander Leasing: Polish leasing arm of Santander Group, serving SMEs and corporates with vehicle and equipment financing. Direct overlap in target market, asset categories, and bank-affiliated distribution.
Broad incumbents
- DLL (De Lage Landen): Global vendor finance and leasing company owned by Rabobank, with a Polish presence. Comparable in offering asset finance solutions (vehicles, equipment) to businesses, though operating at much larger international scale and primarily through vendor partnerships.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Pekao Leasing social profiles
Digital presencePekao Leasing compliance and trust
Trust signalCompliance2 records
Pekao Leasing financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pekao Leasing leadership team
Management profileNumber of profiles
Profiles9 records
Pekao Leasing funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pekao Leasing M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pekao Leasing
What does Pekao Leasing do?
Pekao Leasing provides operating leases, financial leases, and business loans for passenger and commercial vehicles, heavy transport, industrial machinery and equipment, and commercial real estate. The portfolio is complemented by insurance (motor, property, GAP), fuel cards, and subsidized financing programs (EIB, EBRD, CEB, BGK de minimis) targeted at Polish SMEs, startups, and selected vertical industries.
Is Pekao Leasing a public or private company?
Pekao Leasing is a private company. It is classified as corporate owned and is currently operating.
When was Pekao Leasing founded?
Pekao Leasing was founded in 1995. It employs 251 to 500 people.
Where is Pekao Leasing based?
Pekao Leasing is headquartered in Warszawa, Poland, in the Europe region.
How does Pekao Leasing make money?
Four revenue lines are on record. Operating Lease (Leasing operacyjny) is the primary driver. The others are loans (Pożyczki), insurance Products and ancillary Services.
Who are Pekao Leasing's main competitors?
Direct peers on record are Millennium Leasing, PKO Leasing, Alior Leasing, mLeasing, BNP Paribas Leasing, ING Lease (ING Bank Śląski), Europejski Fundusz Leasingowy (EFL), PEAC (Poland) and Santander Leasing. DLL (De Lage Landen) is listed as a broad incumbent.
Does Pekao Leasing have an API?
No public API is recorded for Pekao Leasing.
What industry is Pekao Leasing in?
Pekao Leasing's product category is Commercial Leasing Services. Its primary akta.pro industry code is TLABAAAB, SME & Small Business Vehicle Leasing, with a secondary code of FSAKADAC, Leasing & Lease Buyout Financing. Its NAICS code is 5321 and its SIC code is 7510.