Pekao Leasing

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.

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

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

• Commercial vehicle leasing
• Equipment financing
• SME business loans
• Real estate leasing
• Green asset financing

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. Loans (Pożyczki): Loan products including standard loans and stock loans (pożyczka stockowa) for financing business equipment and operations.
3. Insurance Products: Commission revenue from insurance products including vehicle insurance (komunikacyjne), property insurance (majątkowe), and GAP insurance offered alongside leasing agreements.
4. Ancillary Services: Additional revenue from fuel cards (karta paliwowa), workshop program (program Warsztat), and other supplementary services.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core 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

Named customers5 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• KIOTI (Wataha KIOTI)minorStrategic or Co-development Partner · 4 February 2026Partnership for agricultural equipment financing, specifically KIOTI tractors. Provides attractive financing conditions, simplified procedures, and comprehensive support for modern agriculture businesses.
• Asseco Data SystemscoreTechnology or IntegrationPartnership 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.plcoreChannel Partner/ Reseller/ DistributorOperator 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

Direct 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

• YouTubeyoutube.com/@pekaoleasing3706
• Facebookfacebook.com/p/PEKAO-LEASING-Sp-z-oo-61569396617652
• LinkedInlinkedin.com/company/pekao-leasing-sp-z-o-o

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pekao Leasing