Leasing Group

What Leasing Group does

Leasing Group (АО «Лизинг Групп») is a Kazakhstan-domiciled financial leasing company headquartered in Almaty, founded in 2005 and operating as a joint-stock company under Kazakh law. The company provides equipment, vehicle, and machinery financing to businesses across all regions of Kazakhstan, serving individual entrepreneurs (IP), limited partnerships (TOO), and joint-stock companies (AO), with a primary focus on small and medium enterprises that lack access to traditional bank credit. Its product portfolio comprises five offerings: Financial Leasing (37-60 month terms, from 5 million KZT, with government subsidy eligibility through Damu.kz), Equipment Installment (stepped payment up to 3 years, from 5 million KZT), Islamic Financing under the Ijara structure (Sharia-compliant, from 3 million KZT), Factoring (up to 90% of receivables, up to 120 days), and Express Application Review (3-day decision turnaround).

The firm operates through a sales-led, multi-channel go-to-market model combining an online application portal on lease.kz, dedicated phone consultation lines, and in-person visits at its Almaty headquarters. All financing is denominated in Kazakh tenge, eliminating client-side foreign exchange risk, and each client is assigned a personal account manager who supports the transaction from application through equipment delivery. Revenue is generated primarily through recurring lease payments and finance spreads over the National Bank base rate, with supplementary commissions from factoring and one-time fees for equipment installment sales.

Leasing Group's competitive position rests on 20 years of operating history, more than 1,500 signed contracts, a 50+ supplier network (including 10+ international equipment providers), and access to government-subsidised financing through Damu.kz. No proprietary technology platform, AI/ML capabilities, or digital underwriting infrastructure is disclosed in the available sources; the company's core differentiators are relationship-driven service, multi-product breadth, and integration with national SME support programs rather than technological differentiation. Ownership structure, shareholder composition, and detailed financial performance beyond cumulative contract counts are not publicly disclosed.

Name

Leasing Group

Legal name

АО «Лизинг Групп»

Website

https://lease.kz

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Leasing Group is a Kazakhstan-based financial leasing company founded in 2005 that provides equipment, vehicle, and machinery financing — plus factoring and Sharia-compliant Ijara — to small and medium enterprises nationwide, with over 1,500 contracts signed and access to government subsidy programs.

Ownership category

akta.pro rank

Product category

Equipment Leasing Services

NAICS

Construction, Transportation, Mining, and Forestry Machinery and Equipment Rental and Leasing (53241), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)

SIC

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

akta.pro primary industry

SME & Small Business Vehicle Leasing (TLABAAAB)

akta.pro secondary industry

Equipment & Tool Leasing (Consumer) (FSAKANAF)

Keywords

• Equipment leasing
• Financial leasing
• Factoring services
• Islamic finance
• Vehicle leasing

Headquarters

HQ city

Almaty

HQ country

Kazakhstan

HQ region

Asia

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: The company purchases equipment, vehicles, or machinery and transfers them to clients for use over a defined period in exchange for regular lease payments. At term end, clients may purchase the asset at residual value or return it.
2. Installment Sales: Equipment and vehicles sold with phased payments over 2-3 years, typically without interest surcharges.
3. Islamic Financing (Ijara): Sharia-compliant leasing alternative where the company purchases assets and rents them to clients under Islamic finance principles, with profit rate based on national bank base rate.
4. Factoring: Financing against accounts receivable (debt assignment), providing clients with up to 90% of receivables value for periods up to 120 days, with monthly commission from 3.3% plus per-transaction fees from 1%.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Leasing Group (АО «Лизинг Групп») is a Kazakh financial services company providing financial leasing, equipment installment sales, Sharia-compliant Islamic Ijara financing, and factoring services to businesses across Kazakhstan. The company purchases equipment, vehicles, and machinery and transfers them to clients for use over defined periods in exchange for regular payments, with options to purchase at residual value at term end. It targets small and medium enterprises (IP, TOO, AO) needing equipment and vehicle financing, with minimum financing from 3-5 million KZT and government subsidy access through DAMU.kz.

Product overview

AO 'Leasing Group' is a Kazakh financial services company offering a portfolio of leasing and financing products for businesses. The core offering consists of five distinct products: Financial Leasing (long-term rental with purchase option and government subsidy eligibility), Equipment Installment (stepped payment plans without surcharges), Islamic Financing Ijara (Sharia-compliant alternative), Factoring (receivables-based financing), and Express Application Review (accelerated processing). The company operates across Kazakhstan serving individual entrepreneurs (IP), small enterprises (TOO), and joint-stock companies (AO), with headquarters in Almaty.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Leasing (Финансовый лизинг) Long-term equipment and machinery leasing with option to purchase assets at the end of the contract term. Financing starts from 5,000,000 KZT with terms of 37-60 months and reward rate from National Bank base rate +5%. Government subsidy programs available through DAMU.kz. Mandatory insurance and GPS installation. Standard decision time up to 7 working days.
• Equipment Installment (Техника в рассрочку) Equipment purchase with stepped payments without additional charges. Financing from 5,000,000 KZT with down payment from 30% (50% for startups) and repayment periods up to 3 years. Surcharge from 16%. No government subsidy available.
• Islamic Financing Ijara (Исламское финансирование Иджара) Sharia-compliant leasing product aligned with Islamic finance principles. Financing from 3,000,000 KZT with profit rate from National Bank base rate +5%. Government subsidy available through DAMU.kz programs. Mandatory CASCO insurance and GPS installation. Excludes prohibited industries such as alcohol, pork, gambling, and interest-based financial services.
• Factoring (Факторинг) Receivables financing providing up to 90% of debtor obligation value for terms up to 120 days. Monthly commission from 3.3% plus 1% commission on financing amount. Express decision in 3 business days. Maximum exposure 100,000 USD equivalent for standard clients; up to 30,000,000 KZT for startups.

Quantifiable outcome

• Decision timeline: 3-7 business days depending on product type
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Supplier Network (50+ suppliers)coreOthersLeasing Group works with over 50 equipment and vehicle suppliers, including 10+ international foreign suppliers. These suppliers provide the machinery, equipment, and vehicles that Leasing Group finances for its clients. Supplier partners enable access to diverse equipment types across multiple industries including commercial vehicles, specialized machinery, and industrial equipment.
• Damu.kz (National Entrepreneurship Development Center)minorOthersDamu.kz is the National Entrepreneurship Development Center of Kazakhstan, which administers government support programs for businesses. Leasing Group leverages these programs to offer subsidized interest rates to eligible clients, reducing the cost of financing for qualifying businesses.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• ForteLeasing: Kazakhstan-based leasing company offering equipment and vehicle leasing to SMEs. Closely comparable on geography, customer segment (Kazakh SMEs), and product mix (financial leasing, installment).
• KazAgroFinance: Kazakhstan's state-owned agricultural leasing company providing equipment and machinery leasing to domestic agribusinesses. Highly comparable as a domestic Kazakh lessor with government backing and a similar SME/corporate customer focus.
• BRK-Leasing (Baiterek Group): Leasing arm of Kazakhstan's Baiterek national holding company. Comparable as a Kazakh lessor providing equipment financing to SMEs with access to state development programs similar to Damu.kz.
• Halyk Leasing: Leasing subsidiary of Halyk Bank, Kazakhstan's largest bank. Directly comparable as a Kazakh lessor targeting SME and corporate clients for equipment, vehicle, and machinery financing, with similar product breadth.

Broad incumbents

• DLL (De Lage Landen): Global vendor finance and equipment leasing company (Rabobank subsidiary). Comparable on equipment leasing model, vendor/supplier partnerships, and SME customer focus across multiple asset categories.
• Element Fleet Management: Global fleet management and vehicle leasing company. Comparable on the commercial vehicle leasing business model and SME/corporate fleet customer segment, though operating at vastly larger scale and outside Kazakhstan.
• Damu Fund (Entrepreneurship Development Fund): Kazakhstan's National Entrepreneurship Development Fund. Less a direct competitor than a partner/distribution channel; provides subsidized financing that flows through partners like Leasing Group, but also operates direct SME lending products.

Regional players

• ALD Automotive: Global vehicle leasing and fleet management company (Société Générale subsidiary). Comparable on operational vehicle leasing and fleet management services, though primarily serving European and international markets rather than Central Asia.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/leasing_group
• LinkedInlinkedin.com/company/leasing-group

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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 Leasing Group