PKO Leasing

What PKO Leasing does

PKO Leasing S.A. is the leasing and asset finance arm of the PKO Bank Polski Capital Group and self-describes as the largest leasing company in Poland. Founded in 1999 and headquartered in Warsaw with operations in Lodz, the company serves Polish SMEs, sole proprietors, transport operators, agribusinesses, manufacturers, healthcare providers, energy-transition investors, and individual consumers. Its portfolio spans operational, financial, and reverse leasing plus loans for passenger cars, heavy transport, motorcycles, industrial and agricultural machinery, medical equipment, electromobility assets, and renewable energy infrastructure, with financing available in PLN, EUR, and USD from the first day of business activity.

The company operates a cloud-based digital leasing platform integrated with PKO Bank Polski's iPKO and IKO digital banking channels, supporting online application intake, automated credit scoring, electronic document signing via qualified digital signature, and KSeF structured e-invoicing through a self-service Client Portal. The PKO Leasing Online sub-product delivers instant decisions within minutes for equipment purchases from 1,000 PLN net through 60+ partner e-commerce integrations, and the Automarket.pl and Aukcje.pkoleasing.pl platforms monetize returned lease assets.

PKO Leasing generates revenue primarily through recurring interest income on financed assets across multi-year contracts, supplemented by insurance brokerage commissions from a panel of six major Polish insurers, fuel card transaction fees (Orlen partnership covering 1,700+ stations), and marketplace fees from used-asset sales. Go-to-market combines direct field sales, integrated digital self-service via iPKO and PKO Leasing Online, authorized dealer networks (BYD, Ducati, electronics, sports, machinery), and cross-sell campaigns with PKO Bank Polski and PKO Masterlease. A distinctive structural lever is the InvestEU guarantee program with the European Investment Fund — PKO Leasing was the first Polish leasing company to originate under this program in January 2024, with a renewed 2026-2027 envelope of 1.735 billion PLN enabling it to serve underbanked SMEs and startups that competitors cannot underwrite on equivalent terms.

Name

PKO Leasing

Legal name

PKO Leasing S.A.

Website

https://pkoleasing.pl

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

501–1,000 employees

Short description

PKO Leasing is Poland's largest leasing company and the asset finance arm of PKO Bank Polski, offering vehicles, machinery, equipment, and energy-transition financing to Polish SMEs, entrepreneurs, and consumers through digital self-service, dealer networks, and InvestEU-backed guarantees.

Ownership category

akta.pro rank

Product category

Commercial Vehicle and Equipment Leasing

NAICS

Automotive Equipment Rental and Leasing (5321), Passenger Car Leasing (532112), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

akta.pro secondary industries

Rent-to-Own (RTO) Consumer Leasing (FSAKANAE), POS Hardware Leasing, Financing & Rental (FSAMADAI)

Keywords

• Vehicle leasing services
• Equipment leasing
• Commercial vehicle financing
• Machinery financing
• Fleet leasing

Headquarters

HQ city

Lodz

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing (operational, financial, return): Core revenue stream from financing vehicles (cars, trucks, motorcycles), machinery and equipment, and energy transformation solutions. Leasing clients pay upfront fees, monthly installments, and residual buyout values. Interest income is earned over the financing period.
2. Vehicle loans: Alternative to leasing, providing car loans for businesses as a substitute for traditional bank credit, generating interest income.
3. Long-term vehicle rental: Full-service vehicle rental through PKO Masterlease (related entity), providing monthly rental income. PKO Leasing refers customers seeking operational leasing without ownership.
4. Insurance brokerage: PKO Leasing acts as an insurance agent for GAP, motor (OC/AC/NNW/ASSISTANCE), and property insurance, earning commissions from partnered insurers including PKO TU S.A., PZU, InterRisk, Generali, ERGO Hestia, and WARTA.
5. Fuel cards: Fuel card program offering discounts at Orlen stations (8 gr/litre), generating revenue through transaction fees and merchant relationships.
6. Automarket and auction platforms: Online marketplaces for selling returned lease vehicles and used equipment, potentially earning fees from sellers and buyers.
7. EU guarantee programs (InvestEU): EU-funded guarantee program enabling leasing for startups and SMEs with low credit scores, with the EU (European Investment Fund) covering 50-70% of risk. PKO Leasing earns interest income while risk is partially offset by guarantees.

Pricing tiers

Go-to-market motion4 records

Distribution channels8 records

Marketing channels8 records

Core offering

PKO Leasing is a Polish leasing company providing vehicle (cars, trucks, motorcycles), machinery and equipment, energy transformation, and electromobility financing solutions to small and medium enterprises, entrepreneurs, and individual consumers. It offers operational leasing, financial leasing, return leasing, loans, and long-term rental services (via PKO Masterlease), complemented by consumer leasing, insurance brokerage, and a vehicle marketplace (Automarket.pl). Distribution is conducted through direct sales, an authorized dealer network, the iPKO banking app, online platforms (PKO Leasing Online, Aukcje.pkoleasing.pl), and a client self-service portal.

Product overview

PKO Leasing is a leasing and financial services company and the leasing arm of PKO Bank Polski, operating as a full-service financing platform offering a broad portfolio of products. The core platform encompasses vehicle financing (cars, heavy transport, motorcycles), machinery and equipment leasing, energy transformation financing, and electromobility solutions, supplemented by a digital-first PKO Leasing Online rapid financing product and an online auction portal (Aukcje) for post-lease assets. The Client Portal provides self-service contract management, while the Automarket.pl marketplace connects buyers and sellers of vehicles. Additional offerings include consumer leasing for individuals, long-term rental via PKO Masterlease, insurance products (GAP, motor, property), a fuel card with Orlen discounts, a car wash subscription (MultiWash), and a BYD/Ducati-branded promotional leasing sub-brand. The InvestEU EU guarantee program and an iPKO bank integration expand access to financing for startups and existing bank customers respectively.

Differentiator

Problem solved

Functional benefit

Brands

• Automarket.pl: Online auto sales platform operated by PKO Leasing for selling leased vehicles and connecting buyers and sellers.

Products and services

• Vehicle Leasing (Cars) Leasing of passenger cars (operational leasing, financial leasing, return leasing) for SMEs, entrepreneurs, and individual consumers in Poland.
• Heavy Transport Vehicle Leasing (Trucks) Leasing of trucks and heavy commercial vehicles, primarily for transport, logistics, and freight businesses.
• Motorcycle Leasing Leasing of motorcycles for individual and business customers.
• Machinery and Equipment Leasing Leasing of machinery and equipment for SMEs, agribusiness, construction, and manufacturing businesses.
• Energy Transformation Financing Financing of energy-efficient and renewable energy assets, supporting clients pursuing energy transformation, with terms aligned to the EU InvestEU program.
• Electromobility Financing Financing solutions for electric vehicles and low-emission transport assets for businesses and consumers.
• PKO Leasing Online Self-service digital platform offering instant leasing decisions for individual customers and micro-businesses, with paperless contract execution.
• Automarket.pl Online vehicle marketplace operated by PKO Leasing that connects vehicle buyers with third-party sellers (individuals and businesses), enabling listing and purchase of cars, trucks, and motorcycles.
• Aukcje.pkoleasing.pl Online auction portal where PKO Leasing lists used vehicles and equipment returned from lease contracts for sale to buyers.
• Consumer Leasing Consumer leasing product for individual buyers (no business registration required), enabling personal vehicle acquisition through fixed monthly payments.
• Insurance Brokerage Insurance brokerage services bundled with leasing contracts, providing insurance products to lessees.
• Fuel Card Fuel card product distributed alongside leasing services to support fleet operating costs.
• Long-term Rental (PKO Masterlease) Long-term rental service for vehicles operated under the PKO Masterlease brand, providing operational rental solutions to businesses.
• Loans Loan product offered alongside leasing to finance vehicles and equipment for business and consumer customers.
• Client Portal Online self-service portal where existing PKO Leasing clients can view and manage their lease contracts, invoices, and account information.
• MultiWash Subscription Subscription-based car wash service accessed via the MultiWash mobile application, offered as an ancillary service to leasing customers.
• InvestEU Program Financing Specialized financing program supported by the EU's InvestEU initiative, providing favorable financing terms for energy transformation and sustainability projects.

Quantifiable outcome

• NPS score of +52, significantly above the industry average of +45 for financial-insurance companies and +38 for all certified firms in 2025
• +4 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

13 partnerships are on record, tiered core and minor.

• ESCOlightcoreTechnology or Integration · 12 November 2025ESCOlight became a new Technology Partner for PKO Leasing's energy transformation financing. The partnership provides customers access to modern photovoltaic installations, energy storage systems, and LED lighting solutions, combining financing with technology expertise.
• PKO Towarzystwo Ubezpieczeń S.A.coreStrategic or Co-development PartnerInsurance company within the PKO Capital Group offering GAP, property, and motor insurance products distributed through PKO Leasing as an insurance agent. Insurance is bundled with leasing contracts and included in installment calculations for PKO Leasing Online.
• Powszechny Zakład Ubezpieczeń (PZU)minorChannel Partner/ Reseller/ DistributorMajor Polish insurer providing motor (OC/AC), NNW, PAS, Green Card, and Assistance insurance policies distributed through PKO Leasing's insurance agency.
• InterRisk Towarzystwo Ubezpieczeń (Vienna Insurance Group)minorChannel Partner/ Reseller/ DistributorMotor and property insurance products distributed through PKO Leasing as insurance agent.
• Generali Towarzystwo UbezpieczeńminorChannel Partner/ Reseller/ DistributorInsurance products distributed through PKO Leasing's insurance agency network.
• ERGO Hestia (Sopockie Towarzystwo Ubezpieczeń)minorChannel Partner/ Reseller/ DistributorInsurance products distributed through PKO Leasing's insurance agency network.
• WARTA (Towarzystwo Ubezpieczeń i Reasekuracji)minorChannel Partner/ Reseller/ DistributorInsurance products distributed through PKO Leasing's insurance agency network.
• Orlen (PKN Orlen S.A.)coreStrategic or Co-development PartnerPoland's largest fuel retailer providing the fuel card network with 1,700+ stations, offering PKO Leasing customers 8 gr/litre discounts on fuel and up to 20% off non-fuel products. Orlen Charge supports EV charging sessions without limit.
• PKO Masterlease S.A.coreStrategic or Co-development PartnerRelated entity within the PKO Capital Group specializing in long-term vehicle rental. PKO Leasing refers customers seeking operating lease (without ownership) to PKO Masterlease, and both entities participate in joint promotions with PKO Bank Polski offering bonuses up to 4,200 PLN.
• BYD Polska (authorized dealers)coreChannel Partner/ Reseller/ DistributorBYD authorized dealer network across Poland offering BYD vehicles (Atto 2 DM-i, Seal, Dolphin Surf) under promotional 101% total leasing value arrangements with PKO Leasing.
• Ducati dealer network (Poland)coreChannel Partner/ Reseller/ DistributorAuthorized Ducati dealers across Poland offering new Ducati motorcycles (Streetfighter V2, V2 S, Multistrada V2 S, Diavel V4) under promotional 101% total leasing value with 1% insurance.
• PKO Leasing Finanse sp. z o.o.minorStrategic or Co-development PartnerRelated entity within the PKO Leasing group, co-selling insurance products and handling post-contract vehicle sales.
• PKO Agencja Ubezpieczeniowa sp. z o.o.minorChannel Partner/ Reseller/ DistributorInsurance agency within the PKO Capital Group distributing insurance products alongside leasing contracts.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Emerging players

• Carsmile: Polish fintech offering online car financing and subscription/leasing products. Targets a similar SME/consumer vehicle-financing segment as PKO Leasing but with a digital-first, lower-fee model that could pressure traditional lessors over time.
• VEHIS: Polish online auto-leasing platform providing digital, often subscription-style, vehicle financing to consumers and SMEs. Comparable in vehicle-leasing focus and digital GTM, though a much smaller and more focused competitor.

Broad incumbents

• PKO Bank Polski: Parent of PKO Leasing and Poland's largest universal bank. Provides the captive customer base, iPKO distribution, and capital backing that PKO Leasing monetizes; offers overlapping SME credit products and competes in the same wallet.

Direct peers

• Raiffeisen Leasing Polska: Polish leasing business of Raiffeisen Bank International, offering equipment, vehicle, and IT leasing. Comparable in bank-affiliated SME leasing model, though smaller in Polish market share.
• mLeasing (mBank Group): Leasing arm of mBank, one of Poland's largest banks, offering vehicle, truck, and equipment leasing to SMEs. Directly comparable in business model, target customers, and product mix to PKO Leasing, and competes head-to-head for Polish SME leasing volume.
• BNP Paribas Leasing Services: Polish leasing arm of BNP Paribas offering vehicle, equipment, and real-estate leasing with EU program partnerships. Closely comparable in product range, EU-guarantee utilization, and SME focus.
• ING Lease (ING Bank Śląski): Leasing subsidiary of ING Bank Śląski, providing operational/financial leasing, fleet management, and equipment financing for Polish businesses. Comparable in scale, parent-bank distribution model, and product breadth.
• Millennium Leasing: Leasing subsidiary of Bank Millennium in Poland, providing operational and financial leasing to SMEs. Direct competitor in the bank-affiliated leasing segment with comparable product mix.
• Santander Leasing Poland: Leasing arm of Santander Bank Polska, offering vehicle and equipment financing plus fleet services. Same bank-distribution-plus-direct model and overlapping customer base as PKO Leasing.
• Europejski Fundusz Leasingowy (EFL, Crédit Agricole Group): One of the largest independent leasing companies in Poland, owned by Crédit Agricole, covering vehicles, machinery, and technology equipment. Competes directly for SME and mid-market leasing volumes with similar product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pkoleasing
• LinkedInlinkedin.com/company/pko-leasing

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 records

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 PKO Leasing