mLeasing

What mLeasing does

mLeasing Sp. z o.o. is a Poland-based provider of leasing, long-term rental, and asset financing solutions to Polish businesses, operating as a wholly-owned subsidiary of mBank S.A. (itself part of the Commerzbank Group). Founded in 1996 and headquartered in Warsaw at ul. Prosta 18, the company offers financial leasing, operational leasing, long-term rental with full fleet management (CFM), and vehicle/equipment loan products covering passenger cars, trucks, construction and agricultural machinery, trailers, medical devices, IT equipment, real estate, and photovoltaics. Its revenue model is recurring and asset-based, generating interest/spread income on financed assets plus fee and ancillary income from insurance distribution, roadside assistance, and vehicle disposal services.

The company's technology stack centers on a digital leasing platform with online application processing, a customer self-service portal (Portal Klienta) for contract and document management, electronic invoicing, an online auction portal for end-of-lease disposals, and the LeaseLink platform for equipment financing decisions up to 150,000 PLN within minutes. The mAuto platform (launched 2022; fully digitized February 2026) operates as a vehicle marketplace with integrated financing, and a wholly-owned subsidiary Asekum distributes motor, property, GAP, and specialty insurance from multiple Polish carriers.

Go-to-market combines direct sales offices across Poland, inside sales via a contact center, self-serve digital channels, and dedicated cross-selling from mBank's business banking customers (e.g., 'Taniej z mBankiem' promotions, 2,000 PLN leasing incentives for mBank business account holders). mLeasing also maintains a strategic financial partnership with Volvo Car Polska. Cumulative scale includes approximately 500,000 financed items and ~60 billion PLN of total financing provided since inception, with ~24,000 vehicles currently under long-term rental management. Geographic operations are exclusively domestic (Poland), with explicit restrictions excluding Russia, Belarus, Moldova, and Ukraine.

Name

mLeasing

Legal name

mLeasing sp. z o.o.

Website

https://mleasing.pl

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

251–500 employees

Short description

mLeasing is a Polish leasing and fleet financing subsidiary of mBank S.A. (Commerzbank Group) that provides financial leasing, operational leasing, long-term rental, and vehicle loans to Polish SMEs, sole proprietors, and fleet operators, distributed through branches, digital self-serve platforms, and the mBank banking channel.

Ownership category

akta.pro rank

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. Financial Leasing: Traditional financial leasing where the lessor transfers the right to use an asset in exchange for regular payments, with ownership transferring to the lessee at the end of the contract.
2. Operational Leasing: Operating leases where the asset remains on the lessor's balance sheet, with flexible end-of-term options including return, buyout, or refinancing.
3. Long-term Rental (CFM): Full-service vehicle rental with management including insurance, maintenance, and assistance services bundled into monthly payments.
4. Loans for Vehicle Financing: Loan products for purchasing vehicles where the customer obtains ownership immediately but mLeasing holds co-ownership until the loan is repaid.
5. Insurance Distribution (Asekum): Insurance multi-agency distributing motor, property, and specialty insurance products to leasing clients and external customers, earning commissions from insurance carriers.
6. Online Leasing (LeaseLink): Digital-first leasing for equipment up to 150,000 PLN with rapid decision-making and streamlined documentation process.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

mLeasing provides financial leasing, operating leasing, long-term rental (CFM), and leasing loans for Polish businesses acquiring vehicles, machinery, construction equipment, medical devices, IT hardware, real estate, and photovoltaics. The offering is delivered through branch offices, the LeaseLink online decisioning platform, the mAuto marketplace, and integrated insurance and fleet management services via subsidiary Asekum. mLeasing operates exclusively in Poland as a wholly-owned subsidiary of mBank S.A. within the Commerzbank Group.

Product overview

mLeasing operates as a comprehensive leasing and fleet management platform within the mBank Group (subsidiary of Commerzbank). The core offering combines leasing (operational and financial), long-term rental (CFM), and loan products for vehicles, machinery, and equipment. The digital ecosystem includes LeaseLink for quick online financing decisions, the mAuto marketplace for vehicle sales, the customer portal for account management, and the auction portal for disposals. Insurance services are delivered through Asekum subsidiary, offering bundled products including OC, AC, NNW, GAP, and assistance. Additional services include vehicle management, e-invoicing, tire service, and roadside assistance. The platform serves Polish businesses across diverse sectors including passenger vehicles, commercial trucks, construction equipment, medical devices, IT, and real estate.

Differentiator

Problem solved

Functional benefit

Brands

• mAuto: Online auto marketplace platform for financing and purchasing vehicles, operated in partnership with mBank
• LeaseLink
• Asekum
• mLeasing Assistance

Products and services

• Financial Leasing (Leasing finansowy) Financial leasing product where the lessee capitalizes the leased asset on their balance sheet and ownership transfers at the end of the lease term. Available for vehicles, machinery, equipment, and other business assets to Polish businesses.
• Operating Leasing (Leasing operacyjny) Operating leasing product where the asset remains on the lessor's balance sheet, offering flexibility and favorable tax treatment with end-of-term options including return, buyout, or refinancing.
• Long-term Rental (Wynajem długoterminowy / CFM) Full-service vehicle rental (Closed Financial Maintenance) bundling insurance, maintenance, technical assistance, and vehicle management into a single monthly payment for Polish businesses.
• Leasing Loan (Pożyczka leasingowa) Loan product for financing vehicle and equipment purchases where the customer obtains ownership immediately but mLeasing holds co-ownership until the loan is repaid.
• LeaseLink Online Leasing Platform Digital self-service online leasing platform enabling quick financing decisions in minutes for equipment up to PLN 150,000 without additional documentation requirements.
• mAuto Vehicle Marketplace Online marketplace for browsing, financing, and purchasing new and used vehicles, including certified pre-owned cars with up to PLN 25,000 discount offers and integrated financing options.
• Auction Portal (Portal aukcyjny mLeasing) Online auction platform for participating in auctions of products, primarily used for end-of-lease vehicle returns and disposals.
• Asekum Insurance Distribution Insurance multi-agency distributing motor (OC, AC, NNW), GAP, property, payment protection, assistance, and specialty insurance products from major Polish insurers to mLeasing clients and external customers.

Quantifiable outcome

• 60 billion PLN total financing volume
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Ten partnerships are on record, tiered core, major and minor.

• Volvo Car PolskacoreStrategic or Co-development PartnermLeasing is a financial partner of Volvo Car Polska, offering financing solutions for new and used Volvo vehicles. The partnership provides promotional pricing and specialized leasing products for Volvo customers through the mAuto platform and dedicated Volvo financing pages.
• Asekum Sp. z o.o.coreStrategic or Co-development PartnerAsekum is a wholly-owned subsidiary of mLeasing (100% ownership) operating as an insurance multi-agency. It provides comprehensive insurance products for mLeasing clients including motor (OC, AC, NNW), property, GAP, and specialty insurance. Asekum also serves external customers not affiliated with mLeasing.
• UNIQA Towarzystwo Ubezpieczeń S.A.majorChannel Partner/ Reseller/ DistributorAsekum distributes UNIQA insurance products including motor insurance, assistance packages, GAP insurance, and property coverage to leasing clients and external customers.
• Powszechny Zakład Ubezpieczeń S.A. (PZU)majorChannel Partner/ Reseller/ DistributorAsekum distributes PZU insurance products including motor insurance and related coverage options.
• Compensa Towarzystwo Ubezpieczeń S.A. Vienna Insurance GroupmajorChannel Partner/ Reseller/ DistributorAsekum distributes Compensa insurance products including motor fleet coverage and related insurance products.
• Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A.majorChannel Partner/ Reseller/ DistributorAsekum distributes ERGO Hestia insurance products including motor insurance and specialty coverage.
• Towarzystwo Ubezpieczeń i Reasekuracji Allianz Polska S.A.majorChannel Partner/ Reseller/ DistributorAsekum distributes Allianz insurance products including property and cargo insurance to leasing clients.
• Towarzystwo Ubezpieczeń i Reasekuracji WARTA S.A.minorChannel Partner/ Reseller/ DistributorAsekum distributes WARTA insurance products as part of its multi-agency offering.
• Inter Partner Assistance S.A. Oddział w PolsceminorChannel Partner/ Reseller/ DistributorAsekum distributes Inter Partner Assistance products for assistance and travel insurance coverage.
• mBank S.A.coreChannel Partner/ Reseller/ DistributormBank is the parent company of mLeasing and provides distribution channel through its business banking customer base. Joint promotions like 'Taniej z mBankiem' offer financing incentives to mBank business account holders. The ultimate parent is Commerzbank AG based in Frankfurt.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• ING Lease (Poland): Polish subsidiary of ING providing financial leasing, operational leasing and loans for vehicles and equipment. Comparable to mLeasing in product mix, bank-affiliated distribution and target SMB/mid-market customers.
• Getin Leasing: Polish lessor offering financial and operational leasing, vehicle financing and long-term rental. Comparable to mLeasing in product mix, SMB customer base and Polish-market footprint.
• PKO Leasing: Bank-affiliated Polish lessor offering financial and operational leasing, loans and long-term rental for vehicles, machinery and equipment. Mirrors mLeasing's bank-channel distribution model and Polish SMB focus, with similar digital origination capabilities.
• Volkswagen Financial Services (Poland) / Volkswagen Leasing: Captive auto finance provider for Volkswagen Group brands in Poland, offering leasing, financing, insurance and fleet services. Directly comparable in vehicle financing focus, integrated insurance offering and digital origination via OEM partnerships.
• Carefleet: Polish long-term vehicle rental and fleet management specialist operating a CFM-style full-service rental model with bundled insurance, maintenance and replacement vehicles. Directly comparable to mLeasing's CFM / wynajem długoterminowy product line and fleet management business.
• Raiffeisen Leasing Polska: Polish lessor part of the Raiffeisen Bank International group, offering financial and operational leasing, fleet management and loans for vehicles, machinery and equipment. Highly comparable bank-affiliated model serving Polish SMBs.
• BNP Paribas Leasing Solutions (Poland): International banking group's leasing arm in Poland offering financial and operational leasing across equipment categories. Comparable to mLeasing in bank-distribution model, broad asset coverage and digital origination.
• Santander Leasing (Poland): Leasing and fleet management arm of Santander Bank Polska providing vehicle and equipment leasing, long-term rental and financing solutions. Directly comparable in product set, bank-channel distribution and Polish market focus.
• Europejski Fundusz Leasingowy (EFL): EFL is one of the largest Polish leasing companies, providing financial and operational leasing, fleet management and long-term rental across vehicles, equipment and machinery. Directly comparable to mLeasing across product set, customer base (Polish SMBs and corporates) and digital self-service model.
• Millennium Leasing: Polish leasing arm of Bank Millennium offering financial and operating leases for vehicles and equipment to Polish businesses. A bank-channel-driven lessor with overlapping product portfolio and customer segments to mLeasing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/mLeasingPolska
• LinkedInlinkedin.com/company/mleasing-sp-z-o-o
• Instagraminstagram.com/mleasing.pl

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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 mLeasing