One Leasing Finland

What One Leasing Finland does

One Leasing Finland Oy is a privately held, employee-owned financial leasing company founded in 2018 and headquartered in Vantaa, near Helsinki-Vantaa Airport. The firm provides customized leasing and working-capital solutions — including financial leasing (rahoitusleasing), service leasing (huoltoleasing), fair leasing (reiluleasing), subleasing, sale and leaseback, factoring (faktorointi), and business loans — to small and medium-sized enterprises across Finland. Add-on products bundled with leases include a tax-free company bicycle benefit, insurance through Fennia, 24/7 roadside assistance via Falck, and a shared-use electric vehicle service in partnership with Aimo Park. The portfolio spans passenger cars, vans, commercial vehicles, machinery (including excavators), equipment, and furniture, with named customer references spanning logistics, HVAC, construction, retail, industrial piping, and property services.

Name

One Leasing Finland

Legal name

One Leasing Finland Oy

Website

https://oneleasingfinland.fi

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

One Leasing Finland Oy is an employee-owned Finnish financial leasing firm, founded in 2018 in Vantaa, that provides customized equipment, vehicle, and machinery leasing plus factoring and business loans to SMEs across Finland.

Ownership category

akta.pro rank

Product category

Commercial Leasing Services

NAICS

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

SIC

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

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

akta.pro secondary industries

Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC), Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA), Equipment & Tool Leasing (Consumer) (FSAKANAF)

Keywords

• Business equipment leasing
• Vehicle leasing financing
• Machinery leasing solutions
• Factoring services Finland
• SME leasing solutions

Headquarters

HQ city

Vantaa

HQ country

Finland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing Financing: One Leasing Finland generates revenue through various leasing financing solutions including financial leasing (rahoitusleasing), service leasing (huoltoleasing), fair leasing (reiluleasing), subleasing, sale and leaseback, and factoring services. Revenue is generated through interest and fees on leasing contracts.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

One Leasing Finland is a Finnish financial leasing company that provides customized leasing financing solutions and related services for businesses. Its core offerings include financial leasing, service leasing with maintenance, fair/customizable leasing, subleasing, and sale and leaseback for vehicles, machinery, equipment, and furniture. The company also provides factoring, business loans, shared-use electric cars, company bicycles, and partner-enabled insurance and 24/7 road assistance for leased vehicles.

Product overview

One Leasing Finland is a Finnish leasing financing company offering a comprehensive suite of leasing and financial services. The core product portfolio centers on vehicle and equipment leasing solutions including Rahoitusleasing (Financial Leasing), Huoltoleasing (Service Leasing with maintenance included), Reiluleasing (Fair/Customizable Leasing), Subleasing, and Sale and Leaseback. Specialized vehicle leasing covers Pakettiauto-leasing (vans), and machinery solutions include Kone-leasing (machines) and Kaivinkone-leasing (excavators). The company also offers complementary financial services including Faktorointi (Factoring), Yrityslaina (Business Loans), and vehicle sharing through Yhteiskäyttöauto. Add-on services include Työsuhdepyörä (Company Bicycles), OLF Vakuutus (Insurance), OLF Tiepalvelu (Road Service), and an Autoilijan opas (Driver's Guide). The offering functions as a modular portfolio where customers can combine core leasing products with supplementary services based on their operational needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Rahoitusleasing (Financial Leasing)
• Huoltoleasing (Service Leasing) Worry-free leasing option for passenger and van vehicles with a fixed monthly rental covering agreed kilometers, all scheduled and other maintenance, and additional services.
• Reiluleasing (Fair/Customizable Leasing) Functions as financial leasing but allows customers to add tailored services based on their specific needs.
• Subleasing Leasing product where the original customer can sublease the financed equipment to a third party while retaining full responsibility for the original lease agreement.
• Sale and Leaseback Releases capital tied up in company assets by purchasing existing equipment and leasing it back to the seller, converting it to tax-deductible leasing rent.
• Faktorointi (Factoring) Financing service that cashes out invoice receivables quickly after sending the invoice and handles the original customer's billing on their behalf.
• Yrityslaina (Business Loan) Business financing solution providing capital to companies needing funding beyond leasing.
• Pakettiauto-leasing (Van Leasing) Specialized leasing solutions for vans and commercial vehicles.
• Kone-leasing (Machine Leasing) Leasing solutions for machinery and equipment, offering flexible financing that does not burden the customer's balance sheet.
• Kaivinkone-leasing (Excavator Leasing) Leasing solutions specifically for excavators and earthmoving equipment.
• Yhteiskäyttöauto (Shared-use Electric Car) Electric vehicle sharing service for entrepreneurs, available for pickup and return at Aimo Park locations in Helsinki, with free charging and parking.
• Työsuhdepyörä (Company Bicycle Benefit) Tax-free company bicycle benefit with up to 1,200 euro annual value, financed through leasing.
• OLF Vakuutus (OLF Insurance) Insurance service for leased vehicles, covering traffic, glass, and comprehensive insurance, designed for leasing customers.
• OLF Tiepalvelu (OLF Road Service) 24/7 road assistance service for customers, provided in partnership with Falck.

Quantifiable outcome

• Over 3,500 financed objects managed for customers
• +1 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Novie OycoreStrategic or Co-development Partner · 5 October 2021Novie Oy is a business broker company. One Leasing Finland and Novie Oy entered a cooperation agreement to provide added value to Novie's service offerings. Leasing helps make a selling company's balance sheet lighter and releases capital tied in vehicles, equipment, and machinery back to business operations.
• Rinta-Joupin AutoliikecoreChannel Partner/ Reseller/ DistributorRinta-Joupin Autoliike is a used car dealership that works with OLF's realization manager Pekka Kujala. They purchase returned leasing vehicles and offer them in their inventory. The company also offers OLF leasing as a financing option to their business customers.
• FalckcoreTechnology or IntegrationOne Leasing Finland partnered with Falck to provide 24/7 road assistance services to their customers. The partnership ensures customers receive help around the clock when needed.
• Aimo ParkcoreStrategic or Co-development PartnerAimo Park and One Leasing Finland created a shared-use electric car service. Aimo Park provides parking facilities where the shared cars can be picked up and returned, with free charging and parking for the electric vehicles.
• FenniaminorStrategic or Co-development PartnerOne Leasing Finland expanded their service offering with insurance coverage through a partnership with Fennia. The traffic, glass, and comprehensive insurance is designed for leasing customers.
• Apuna ryminorOthersApuna ry is a charity organization helping low-income families. One Leasing Finland donated an electric car to support their operations, enabling them to transport donations to families in need.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Svea Ekonomi: Nordic financial group offering SME financing, leasing and factoring primarily in the Nordics and Northern Europe. Comparable as a non-bank financier with a similar multi-product SME financing portfolio to OLF, though broader in geographic reach.

Broad incumbents

• Aktia Bank: Finnish bank offering corporate financing, leasing and asset finance to SMEs and private customers. Comparable because it underwrites the same vehicle and equipment leasing products for Finnish SMEs that OLF specializes in.
• Resurs Bank: Nordic consumer and SME finance provider offering leasing, loans and factoring across the Nordics, including Finland. Comparable as a non-bank financier serving SMEs with vehicle and equipment financing, similar in customer segment to OLF.
• Nordea Finance Finland: Leasing and corporate finance arm of Nordea Bank in Finland. Directly comparable as a Finnish finance lessor serving businesses with vehicle and equipment leasing, but vastly larger in scale and balance sheet, operating as part of a major Nordic banking group.
• Santander Consumer Finance Oy (Finland): Vehicle and consumer finance subsidiary of Santander in Finland. Comparable as a dedicated auto/equipment finance provider to Finnish consumers and SMEs, though backed by a global banking parent's funding and risk infrastructure.
• Arval Finland (BNP Paribas): BNP Paribas-owned fleet leasing business operating in Finland. Comparable as a vehicle and mobility leasing provider to corporate customers, though targeting larger fleet clients than OLF's SME focus.
• LeasePlan Finland: Global fleet and vehicle leasing company with operations in Finland, now part of ALD/SIXT. Comparable in vehicle leasing product but serves larger corporate fleets with a different operational model.
• ALD Automotive Finland: International fleet leasing and mobility provider with Finnish operations (now part of Ayvens after SIXT merger). Comparable for corporate vehicle leasing and fleet management, with broader scope and balance sheet than OLF.
• OP Yrityspankki: Finnish cooperative bank's corporate banking arm offering leasing, loans and working capital to SMEs. Comparable because it underwrites equipment and vehicle leasing for the same Finnish SME customer base that OLF targets.

Emerging players

• Fellow Finance Finland: Nordic peer-to-peer and digital SME financing platform with Finnish operations offering business loans and invoice financing. Comparable as a smaller, more digital alternative financier to Finnish SMEs, though with a different funding model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/OneLeasingFinland
• LinkedInlinkedin.com/company/oneleasingfinland
• Instagraminstagram.com/oneleasingfinland

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 One Leasing Finland