MODULAT LEASING

What MODULAT LEASING does

MODULAT LEASING AG is a Hannover-based, family-owned German financial services provider specializing in modular Full-Service Small-Ticket Leasing for assets valued between €500 and €25,000. Founded in 1985 as electroLEASING GmbH, the company has operated under its current name since a 2023 rebrand and has held a BaFin license as a regulated financing-leasing provider since 2009. It serves three core verticals — E-Bikes and bicycles, IT and Consumer Electronics, and Micromobility — through a hybrid distribution model combining a digital Partner Portal used by thousands of stationary and online dealers, direct enterprise cooperation agreements with hardware manufacturers and vendors, and consumer-facing salary-conversion benefit programs delivered under the ELEASA sub-brand (launched 2019).

The technology stack is a proprietary, fully digitized leasing platform with a high degree of automation, comprising three integrated portals: a Partner-Portal for dealer-facing application, credit checking, and commission management; an Employer-Portal for managing employee contracts and incident reporting; and a Schadenportal for damage-claim processing. Modular product components — Rundum-Schutz (comprehensive collision protection in which MODULAT acts as risk carrier) and Added Services (maintenance, inspection) — are bundled into the lease rate or sold as optional add-ons, allowing dealers to differentiate without taking on insurance or service execution themselves. The platform is supported by standard MarTech and automation integrations (HubSpot, Calendly, Microsoft Bookings, Zapier, Google Analytics, Meta Pixel).

The business model rests on recurring monthly lease payments over typically 24–36 month terms on small-ticket assets, supplemented by service and protection fees and dealer/vendor commissions. As of 31.12.2023 the company reported 14,000 customers and 64,000 active contracts across 42 employees, with operations confined to Germany. The company maintains explicit independence from banks and manufacturers, a positioning it uses to emphasize fast, bespoke product development for cooperation partners. Revenue is not publicly disclosed.

Name

MODULAT LEASING

Legal name

MODULAT LEASING AG

Website

https://modulat-leasing.de

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

MODULAT LEASING AG is a Hannover-based, family-owned German BaFin-regulated provider of modular Full-Service Small-Ticket Leasing (assets €500–€25,000), serving E-Bike, IT/CE, and micromobility dealers, employer benefit programs via its ELEASA sub-brand, and end consumers across 14,000 customers and 64,000 active contracts.

Ownership category

akta.pro rank

Product category

Small-Ticket Equipment Leasing

NAICS

Automotive Equipment Rental and Leasing (5321), Other Commercial and Industrial Machinery and Equipment Rental and Leasing (53249)

SIC

Finance Lessors (6172), Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Equipment & Tool Leasing (Consumer) (FSAKANAF)

Keywords

• Small-ticket leasing
• Vendor leasing
• Asset financing
• Company bike leasing
• Consumer electronics leasing

Headquarters

HQ city

Hanover

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Leasing Contract Revenue: Recurring revenue from lease payments on Small-Ticket assets (€500-€25,000 value). Contracts typically run through full amortization periods with monthly or periodic payments. Revenue recognized over lease term.
2. Full-Service Fees: Additional revenue from modular services including Rundum-Schutz (comprehensive insurance-like protection against damage) and Added Services (maintenance, inspection services). These are bundled into the lease rate or added as optional components.
3. Dealer/Vendor Commissions: Dealers and partner retailers receive attractive commissions for referred customers and facilitated lease contracts. The company purchases the product from the dealer on behalf of the lessee and pays the full purchase price directly to the dealer.
4. Salary Conversion/Benefit-Leasing: Revenue from salary conversion leasing (Motivationsleasing) where employees convert part of their gross salary to fund lease benefits. Employers serve as lessees and provide assets to employees. Generates tax and social contribution savings for all parties.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

MODULAT LEASING AG provides modular full-service small-ticket leasing solutions for assets valued between €500 and €25,000, including E-Bikes, bicycles, IT devices, consumer electronics, and micromobility vehicles. Each lease contract can be combined with Rundum-Schutz (comprehensive damage protection) and Added Services such as maintenance and inspection, delivered through a proprietary digitized Partner Portal that enables dealers and corporate partners to originate and manage contracts online.

Product overview

MODULAT LEASING operates as a Full-Service Small-Ticket Leasing provider offering modular financing solutions for assets valued between €500 and €25,000. The core offering combines Full-Service Leasing with modular add-ons including Rundum-Schutz (comprehensive collision protection) and Added Services (maintenance packages). The company serves three primary industry verticals through Vendor-Leasing: E-Bikes & Fahrräder (bicycles), IT & Consumer Electronics, and Micromobility. Under the ELEASA sub-brand launched in 2019, MODULAT LEASING provides its own company mobility products as a unified leasing provider, service partner, and risk carrier. Business and Private leasing variants are available within each industry vertical. Digital operations are supported through the Partner-Portal for dealer management, an Employer-Portal for business contract administration, and a Damage Portal for claims processing.

Differentiator

Problem solved

Functional benefit

Brands

• ELEASA: Integrated leasing provider brand launched in 2019 offering company bikes, scooters and scooters with fully digital processing, serving as lessor, service provider and comprehensive protection provider in one.

Products and services

• Full-Service Small-Ticket Leasing Modular financing solution for Small-Ticket assets (objects valued between €500 and €25,000) combining leasing, comprehensive protection (Rundum-Schutz), and added services in a single contract. Customers can bundle smaller investments into manageable installments with one contract partner, applicable across E-Bikes, IT, Consumer Electronics, and Micromobility verticals.
• Vendor-Leasing (Partner Dealer Program) Partner program that enables stationary and online dealers and retailers in E-Bikes, IT & Consumer Electronics, and Micromobility to offer leasing for their products at the point of sale. Dealers register via the Digital Partner Portal, submit customer applications for credit assessment, and once approved MODULAT purchases the product from the dealer on behalf of the lessee, pays the full purchase price plus attractive commissions directly to the dealer, and handles all contract administration.
• Kooperationsgesch\u00e4ft (Cooperation Business / Direct Vendor Partnership Leasing) Direct, structured cooperation partnerships with hardware manufacturers and vendors looking to embed leasing into their business models. Delivered through a 6-step process (initial meeting, business model evaluation, contract term development, cooperation agreement, implementation and roll-out, ongoing partner support), led by Business Development Manager Nikolaus Kochen. Customized to the partner's product, customer base, and sales model across E-Bikes, IT & Consumer Electronics, and Micromobility.
• Dienstfahrrad-Leasing (Company Bike Leasing via ELEASA) Company bike leasing product enabling self-employed individuals to benefit from tax-free usage and deduct lease rates as business expenses, and enabling employers to offer company bikes to employees via salary conversion (Gehaltsumwandlung). Operated under the ELEASA sub-brand with fully digitized processes, optional Full-Service and Rundum-Schutz add-ons, and optimized conditions for employer-sponsored employee mobility benefits.
• Micromobility Leasing (E-Scooter and E-Roller) Leasing products for e-scooters and e-rollers serving business fleet customers building delivery fleets and employers offering company micromobility benefits (Dienstrad, Dienstroller, Dienstscooter). Available through the ELEASA brand platform. Products continue to be developed for this growing sector.
• IT & Consumer Electronics Leasing Leasing solutions for IT devices and Consumer Electronics products serving both commercial and private customers, leveraging decades of experience in the CE market. Customers can stay current with rapidly changing technology through liquidity-preserving monthly rates with optional Full-Service coverage. Business customers benefit from tax-deductibility of lease payments as operating expenses.
• Privat-Leasing (Private Consumer Leasing) Leasing solution for private consumers who prefer liquidity-preserving small monthly payments over large upfront investments, with included Rundum-Schutz comprehensive protection. Serves as an alternative to traditional financing or supplementary insurance policies for items such as E-Bikes, IT equipment, and consumer electronics.
• Business Leasing and Fleet Leasing Commercial leasing solution for business customers, ranging from individual cargo bikes for deliveries to large E-Bike fleets for courier services and business mobility. Optional Full-Service coverage (maintenance, inspection, Rundum-Schutz) included.
• ELEASA Sub-Brand Integrated Mobility Offering ELEASA is MODULAT LEASING's own integrated sub-brand for company mobility (bikes, scooters, mopeds), combining the roles of lessor, service provider, and comprehensive protection (Rundum-Schutz) provider under one umbrella. Marketed directly to employers and employees for salary-conversion-based employee benefits, with fully digitized end-to-end processes.

Quantifiable outcome

• 14,000 loyal customers and 64,000 active contracts as of December 2023
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ELEASA (Own Brand)coreOEM/ Whitelabel/ Licensing Partner · 1 January 2019ELEASA is MODULAT LEASING's own brand for company bikes, scooters, and salary conversion benefits. Launched in 2019, ELEASA represents an integrated provider model combining leasing as lessor, service provider, and comprehensive protection (Rundum-Schutz) under one brand. The brand operates independently at eleasa.de and offers optimized conditions for employers seeking to provide employee mobility benefits.
• E-Bike and Bicycle Retailers (Partner Dealers)coreChannel Partner/ Reseller/ DistributorStationary and online bicycle retailers partner with MODULAT LEASING to offer Vendor-Leasing at point-of-sale. Dealers use the digital Partner Portal to submit leasing applications. MODULAT LEASING purchases the product from the dealer and handles all contract administration, credit checks, and ongoing service. Dealers receive full purchase price plus attractive commissions. This is a core distribution channel for the company's E-Bike and bicycle leasing products.
• IT & Consumer Electronics Retailers (Partner Dealers)coreChannel Partner/ Reseller/ DistributorRetailers selling IT devices, consumer electronics, and appliances partner to offer leasing options to business and private customers. Leverages MODULAT LEASING's decades of experience in the Consumer Electronics sector. Dealers benefit from increased sales and commissions without additional administrative burden or cost.
• Micromobility Dealers and Fleet OperatorsminorChannel Partner/ Reseller/ DistributorDealers selling E-Scooters and E-Rollers partner with MODULAT LEASING to reach new customer groups. Business customers can build delivery fleets. The company is developing leasing products specifically for the Micromobility sector as it continues to grow.

Scale indicators7 records

Recent moves11 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/modulat-leasing-ag

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 MODULAT LEASING