Yapi Kredi Leasing

What Yapi Kredi Leasing does

Yapı Kredi Finansal Kiralama A.O. (Yapı Kredi Leasing) is a Turkish non-bank financial institution that provides equipment, vehicle, real-estate, and renewable-energy leasing to commercial and industrial enterprises. Founded in 1987 and headquartered in Beşiktaş, Istanbul, the company operates 12 regional branches across Turkey and distributes its products through a 14+ OEM partner network, a customer contact center, an online services portal, a mobile application, and a dedicated second-hand equipment bidding platform. Its core product set comprises Financial Leasing (ownership retained by the lessor), Operational Leasing (no mandatory transfer at term end), Stock Financing (inventory-collateralized short-term loans), and Sell-and-Re-lease (sale-leaseback for amortizing assets), supplemented by a growing suite of sustainable-financing products covering wind, solar, geothermal, biomass, EV charging, and energy storage assets.

The business model is transaction-fee-based, with revenue generated through lease rentals, interest spreads on funded leases, and fees tied to asset financing volume. Pricing is unit-based and varies by equipment VAT tier (0%–20%), currency (TL, EUR, USD), and lease term (12–60 months). The technology stack is conventional for a regulated lessor: a mobile application for transaction management, an online leasing calculator, a paperless document management system that cut paper usage from 1.2M to 65k sheets between 2016 and 2021, and an industry-first electronic-signature workflow launched in 2022 for end-to-end remote commercial contract execution.

The company is 99.99% owned by Yapı ve Kredi Bankası A.Ş. (Koç Holding), positioning it as the captive equipment-financing arm of one of Turkey's largest banking groups. It sources wholesale funding from multilateral and bilateral institutions including the EBRD (EUR 50M GEFF line in 2022), IFC, the World Bank via Turkish development banks, JBIC, and the EFSE/GGF consortium (2020 and 2026 facilities), which underwrite its renewable-energy and energy-efficiency lending book of over USD 600 million in cumulative project financing. Its governance, ISO 14001 certification, and Fitch BB-/Positive (foreign currency) and AA-(tur)/Stable (national) ratings reflect an institutionally embedded, compliance-oriented operating posture rather than a venture-stage growth profile.

Name

Yapi Kredi Leasing

Legal name

Yapı Kredi Finansal Kiralama Anonim Ortaklığı

Website

https://ykleasing.com.tr

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Yapı Kredi Leasing is a Turkish non-bank lessor, 99.99% owned by Yapı Kredi Bank (Koç Holding), providing equipment, vehicle, and renewable-energy lease financing to commercial and industrial enterprises across Turkey through 12 regional branches and a 14+ OEM partner channel.

Ownership category

akta.pro rank

Product category

Financial Leasing

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Other Commercial and Industrial Machinery and Equipment Rental and Leasing (53249), Passenger Car Leasing (532112)

SIC

Finance Lessors (6172), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA)

akta.pro secondary industry

Specialty Vehicle Leasing/Rental (Refrigerated, Tanker, Flatbed, Utility/Service Bodies) (TLABAHAE)

Keywords

• Equipment leasing services
• Financial leasing solutions
• Renewable energy financing
• Vehicle leasing products
• Commercial equipment financing

Headquarters

HQ city

Besiktas

Offices13 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financial Leasing: Core revenue stream from financial leasing of machinery, equipment, vehicles, and real estate. The lessor retains ownership while providing usage rights for determined rental fees, with ownership transfer at contract end.
2. Operational Leasing: Lease arrangements where risks and rights remain with the leasing company during the term, with no mandatory transfer at end. All leasing fees can be recorded as expenditure.
3. Stock Financing: Short-term loans provided against inventory collateral, enabling suppliers to receive early payments and buyers to extend payment terms.
4. Sell and Re-lease: Assets registered in company name are sold to leasing company and re-leased, providing liquidity while maintaining equipment usage.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Yapi Kredi Leasing provides financial leasing services to commercial and industrial enterprises across Turkey, including financial leasing, operational leasing, stock financing, and sell-and-re-lease transactions for machinery, equipment, vehicles, and real estate. The company also offers sustainability-focused financing for renewable energy (wind, solar, geothermal, biomass), electric vehicle charging stations, and water conservation projects, distributed through a 12-branch network, digital channels, and manufacturer partnerships.

Product overview

Yapi Kredi Leasing offers a comprehensive financial leasing platform with four core products: Financial Leasing (ownership remains with the leasing company during term), Stock Financing (short-term loans against inventory), Sell and Re-lease (sale-leaseback for amortization assets), and Operational Leasing (equipment rental with no mandatory transfer). The portfolio includes sustainable product offerings such as renewable energy investments (Wind, Solar, Geothermal, Biomass), electric vehicle charging stations, and energy storage solutions. Campaign products feature partnerships with major brands including Arcelik (solar systems), WAT Mobilite (charging stations), FIAT, Otokar, Porsche, Zoomlion, Pomega, and others for vehicle and equipment financing. Digital channels include an online transactions platform, mobile application, second-hand equipment platform, and leasing calculator tool.

Differentiator

Problem solved

Functional benefit

Brands

• Kağıtsız Leasing: Paperless leasing initiative started in 2017 to centralize printers, scanners, and photocopiers and prevent unnecessary paper waste.
• Leasing Okulu

Products and services

• Finansal Kiralama (Financial Leasing) Financial leasing of machinery, equipment, vehicles, real estate, and other capital assets where Yapi Kredi Leasing retains ownership during the lease term and the lessee pays determined rental fees, providing 100% financing and VAT advantages for commercial and industrial customers in Turkey.
• Operasyonel Leasing (Operational Leasing) Operating lease arrangement where Yapi Kredi Leasing retains all risks and rights of the leased equipment throughout the term with no mandatory ownership transfer, allowing commercial customers to record lease fees as expenditures.
• Stok Finansmanı (Stock Financing) Short-term loan product secured against inventory collateral, enabling suppliers to receive early payment of receivables and allowing purchasing companies to extend their payment terms, used by commercial enterprises for working capital optimization.
• Sat ve Geri Kirala (Sell and Re-lease) Sale-leaseback transaction enabling commercial customers to sell their amortizable assets to Yapi Kredi Leasing and lease them back, unlocking liquidity while continuing to use the equipment.
• Sürdürülebilir Ürünler - Yenilenebilir Enerji (Sustainable Products - Renewable Energy) Sustainable financing for renewable energy projects including wind power plants, solar power plants, geothermal power plants, and biomass energy projects, targeting renewable energy companies and project sponsors in Turkey with multi-year terms aligned to project cash flows.
• Araç Şarj İstasyonu (Vehicle Charging Station Financing) Financing product for electric vehicle charging station infrastructure, offering 1% VAT advantage and flexible payment terms to legal entities investing in EV charging infrastructure in Turkey.
• FIAT Leasing (Vehicle Financing Partnership) Vehicle financing product offered in partnership with Fiat, providing up to 100% financing, terms up to 36 months, and special interest rates for Fiat vehicle buyers.
• Otokar Leasing (Commercial Vehicle Financing Partnership) Commercial vehicle financing partnership with Otokar, offering alternative financial solutions to Otokar customers, leveraging the Koç Group synergy where Yapi Kredi Leasing is Otokar's first leasing partner.
• Point Enerji - SolarCleano (Solar Panel Cleaning Robot Financing) First-in-Turkey financing for solar panel cleaning robots offered in partnership with Point Enerji, with terms up to 36 months and 1% VAT advantage for solar asset operators.
• Karavan ve Tiny House (Caravan and Tiny House Financing) First-in-Turkey consumer-asset financing for caravan and tiny house purchases, offered with flexible terms and conditions through Yapi Kredi Leasing's leasing platform.
• Doğukan Yatçılık (Yacht and Boat Financing Partnership) Boat and yacht financing partnership with Doğukan Yatçılık offering terms up to 60 months for vessel purchases through Yapi Kredi Leasing's leasing solutions.

Quantifiable outcome

• Over $600 million in renewable energy projects financed
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature4 records

Partnerships

Eleven partnerships are on record, tiered minor.

• MastercardminorStrategic or Co-development Partner · 26 September 2025Partnership to develop digital payment solution Masterpass to enhance mobile payments in Turkey. The collaboration enables Yapi Kredi customers to use all bank cards registered with Masterpass for transactions via TR QR codes and World Pay.
• ArcelikminorChannel Partner/ Reseller/ DistributorJoint campaign for Arcelik Solar Energy Systems financing, offering special installment options for solar panel purchases through Yapi Kredi Leasing.
• WAT MobiliteminorChannel Partner/ Reseller/ DistributorPartnership for AC/DC WAT charging station financing with flexible payment options up to 48 months and 1% VAT advantage.
• FiatminorChannel Partner/ Reseller/ DistributorVehicle financing partnership offering up to 100% financing, terms up to 36 months, and special interest rates for Fiat vehicles.
• OtokarminorChannel Partner/ Reseller/ DistributorKoç Group synergy partnership where Yapi Kredi Leasing became Otokar's first leasing partner, offering alternative financial solutions to Otokar customers.
• PorscheminorChannel Partner/ Reseller/ DistributorPremium vehicle financing for Porsche Taycan and Macan models with favorable interest rates and alternative term options.
• ZoomlionminorChannel Partner/ Reseller/ DistributorPartnership for Zoomlion construction machinery financing, offering leasing advantages to lighten operational loads.
• PomegaminorChannel Partner/ Reseller/ DistributorPartnership for Pomega Energy Storage Technologies financing, offering special payment options for home and business energy storage solutions.
• Doğukan YatcilikminorChannel Partner/ Reseller/ DistributorBoat and yacht financing partnership with payment terms up to 60 months for easy vessel ownership.
• Specialist Water TechnologiesminorChannel Partner/ Reseller/ DistributorPartnerships with manufacturers of water conservation and treatment equipment including rain water harvesting systems, water ionizers, and industrial water treatment systems.
• Private Sector Volunteers AssociationminorGTM or Marketing PartnerMentorship programs with Private Sector Volunteers Association (Ozel Sektor Gonulluleri Dernegi) for education-focused corporate social responsibility activities.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Is Leasing: Is Leasing (Is Finansal Kiralama) is the leasing subsidiary of Isbank, Turkey's largest private bank by assets. It provides equipment and vehicle financing solutions to commercial customers, sharing the same bank-affiliated leasing business model as Yapi Kredi Leasing.
• Garanti Leasing: Garanti Leasing (Garanti Finansal Kiralama) is one of the largest financial leasing companies in Turkey, a subsidiary of Garanti BBVA. It provides equipment, vehicle, and real estate leasing to commercial customers with national branch coverage, making it a direct head-to-head competitor of Yapi Kredi Leasing.
• Ak Leasing: Ak Leasing is the financial leasing arm of Akbank, one of Turkey's largest private banks. It offers a similar product suite (financial leasing, operational leasing, sale-leaseback) to commercial and industrial clients across Turkey, directly competing with Yapi Kredi Leasing for the same corporate customer base.
• Deniz Leasing: Deniz Leasing is the leasing arm of DenizBank (owned by Emirates NBD), offering financial leasing and operational leasing services for equipment, vehicles, and real estate to commercial customers in Turkey, directly comparable to Yapi Kredi Leasing's product offering.

Emerging players

• Siemens Financial Services: Siemens Financial Services provides vendor financing for industrial equipment, energy systems, and digital factory solutions. While narrower in scope (focused on Siemens equipment), it competes with Yapi Kredi Leasing for financing of industrial machinery in Turkey.

Broad incumbents

• BNP Paribas Leasing Solutions: BNP Paribas Leasing Solutions is a global provider of equipment and asset financing solutions with operations in Turkey, serving commercial clients with leasing products for technology, industrial equipment, and vehicles - overlapping with Yapi Kredi Leasing's portfolio.
• DLL (De Lage Landen): DLL is a global vendor finance company providing leasing for equipment, vehicles, and technology assets. While it operates through vendor partnerships rather than direct branch networks in Turkey, it competes for some of the same commercial equipment financing deals Yapi Kredi Leasing underwrites.
• Mitsubishi HC Capital: Mitsubishi HC Capital (formerly Mitsubishi UFJ Lease & Finance) is a major global leasing company providing equipment, vehicle, and real estate leasing solutions, comparable in scale and product breadth to Yapi Kredi Leasing, with a presence in European and emerging markets.
• HSBC Leasing Turkey: HSBC Turkey provides equipment and asset financing through its commercial banking division, serving large corporate clients with broader banking solutions that overlap with Yapi Kredi Leasing's enterprise leasing offerings.

Regional players

• LeasePlan Turkey: LeasePlan (now part of Ayvens) is a global vehicle leasing and fleet management company with operations in Turkey. It provides operational leasing for corporate fleets, partially overlapping with Yapi Kredi Leasing's vehicle leasing partnerships with Fiat, Porsche, and Otokar.

Market position

Strengths4 records

Weaknesses4 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds4 records

Investors4 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 Yapi Kredi Leasing