BM Lease
BM Lease is an Egyptian non-banking financial institution offering financial leasing, factoring, and mortgage services to large corporates, SMEs, and retail clients across Egypt. Founded in 2017 and backed by Banque Misr, the company operates four branches serving diverse sectors.
- Company typePrivate
- Founded2017
- HeadquartersCairo, Egypt
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What BM Lease does
BM Lease is an Egyptian non-banking financial institution (NBFI) founded in 2017 and headquartered at Smart Village, Giza. The company provides an integrated suite of three core financial products: financial leasing (operating lease, direct lease, sale and lease-back), factoring (domestic factoring, supply chain finance, PO finance, export/import finance) and mortgage finance (portfolio acquisition from developers, retail mortgage, commercial mortgage). It serves three primary customer segments — large corporates, SMEs and retail mortgage clients — across multiple sectors including commercial, industrial, agricultural, service and real estate investment. Financing terms typically range from 12 to 60 months and pricing is quote-based and tailored to client credit profile.
The company operates with an authorized capital of EGP 1 billion and paid-in capital of EGP 650 million, with its shareholder base anchored by majority owner Banque Misr (one of Egypt's largest state-owned banks), alongside Tahya Misr Holding for Financial Investments, Misr Capital and Misr Insurance Holding. Under the leadership of CEO Hisham Sheta, BM Lease distributes through a four-branch physical network (Giza HQ, Alexandria, Assiut, Qena) combined with an online client request portal, direct enterprise sales and a WhatsApp Business contact channel. Technology operations are supported by a proprietary Egyptian-made ERP system; the company has reported 90% digitization of its leasing and factoring workflows.
Revenue mechanics come from recurring lease and mortgage rental streams (interest and fees over multi-year tenors) and transaction-based factoring fees (commissions and discounts on receivable purchases). The company has been recognized with the IFN Award (2019), International Finance Award (2021) and Global Brand Magazine's 'Fastest Growing Leasing & Factoring Firm Egypt' (2022). In September 2024, BM Lease received EGP 75 million from the government-backed Enterprise Development Fund to support SME financing, and as of Q1 2025 had signed EGP 1 billion in contracted financing versus a full-year target of EGP 4 billion.
BM Lease firmographics
Firmographics- Name
- BM Lease
- Legal name
- BM Lease Company for Financial Leasing
- Website
- https://bm-lease.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BM Lease is an Egyptian non-banking financial institution offering financial leasing, factoring, and mortgage services to large corporates, SMEs, and retail clients across Egypt. Founded in 2017 and backed by Banque Misr, the company operates four branches serving diverse sectors.
- Ownership category
- akta.pro rank
Where BM Lease is headquartered
LocationHeadquarters
- HQ city
- Cairo
- HQ country
- Egypt
- HQ region
- Africa
Offices4 records
Markets served
BM Lease business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Financial Leasing: Medium and long-term financing solutions where the lessor purchases assets for the user who repays rentals over an agreed tenor with option to transfer ownership at end of lease period. Revenue generated through lease payments including interest and fees.
- Factoring Services: Short-term revolving working capital finance where sellers sell accounts receivable to the factor who pays the seller invoice value less discount for commission and fees. Includes domestic factoring, supply chain finance, PO finance, and export/import finance.
- Mortgage Finance: Loans used to purchase real estate where property serves as collateral. Includes portfolio acquisition (buying future receivables from developers at discount), retail mortgage for individuals, and commercial mortgage for business properties.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Financial Leasing - Customized to client asset needs and credit profile |
| Transaction based/ take rate | Pay-as-you-go | Factoring - Commission and discount-based pricing |
| Subscription | Monthly | Mortgage Finance - Property-secured loans with customized rates |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
BM Lease product offering
Product offeringCore offering
BM Lease provides medium- and long-term financial leasing (including operating lease, direct lease, and sale-and-lease-back arrangements), short-term working capital through factoring (domestic factoring and supply chain finance), and mortgage financing (portfolio acquisition from developers, retail mortgage for individuals, and commercial mortgage). The company purchases assets on behalf of clients who repay through scheduled rentals, purchases accounts receivable at a discount for working capital, and finances real estate purchases with the property as collateral.
Product overview
BM Lease offers an integrated suite of non-banking financial services comprising three core products: Financial Leasing (including Operating Lease, Direct Lease, and Sale & Lease Back variants), Factoring (both Domestic Direct Factoring and Supply Chain Finance), and Mortgage Financing (covering Portfolio Acquisition, Retail Mortgage, and Commercial Mortgage). The platform serves large corporate companies, small and medium enterprises (SMEs), and retail mortgage clients across the Egyptian market, providing both medium and long-term financing as well as short-term working capital solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Financial Leasing Medium- and long-term financing solutions for acquiring movable and real estate assets where BM Lease purchases the asset for the client, who repays scheduled rentals over an agreed 12–60 month tenor, with ownership transferring to the lessee at the end of the lease. Variants offered include Operating Lease (lessor retains ownership and asset responsibility), Direct Lease (lessor acquires asset from a third-party supplier for the lessee), and Sale & Lease Back (lessee sells owned assets to BM Lease and leases them back). Targeted at large corporates, SMEs, and vendor finance programs.
- Factoring Short-term revolving working capital finance where companies sell their accounts receivable to BM Lease, which pays the invoice value to the seller less a discount for commission and fees. Variants include Domestic Factoring (buying future receivables against immediate cash payment within Egypt) and Supply Chain Finance / Reverse Factoring (financing the operating purchase/payables needs of clients). Also covers Purchase Order (PO) Finance and Export/Import Finance. Targeted at SMEs and corporates with cash flow management needs.
- Mortgage Finance Property-secured loans used to purchase real estate, where the property itself serves as collateral. Variants include Portfolio Acquisition (BM Lease acquires groups of units from real estate developers by buying future receivables rights at discount and collecting future face value as they fall due), Retail Mortgage (home loans to individuals for purchasing or refinancing residential property), and Commercial Mortgage (financing for business and commercial properties). Targeted at individual homebuyers, real estate developers, and commercial property buyers.
Companies that use BM Lease
Customer profileSegments5 records
Ideal customer profiles3 records
BM Lease technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
BM Lease partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights6 records
BM Lease competitors and assessment
Company assessmentBroad incumbents
- Beltone Financial Holding: Egyptian financial group offering investment banking, securities, and financing solutions. Comparable as a larger Egyptian financial services player with NBFI-style offerings including structured and asset-backed finance for corporates.
- Mashreq Bank: Major UAE-headquartered bank with corporate, investment, and Islamic finance offerings across MENA, including asset finance and leasing. Comparable as a regional incumbent targeting the same cross-border corporate and developer financing opportunities in Egypt.
- Al Rajhi Bank: Saudi Arabia's largest bank with consumer, corporate, and Islamic finance franchises including leasing. Comparable as a major regional incumbent that competes for Shariah-compliant corporate financing mandates and offers direct leasing products across the MENA corporate segment.
- National Bank of Egypt: Egypt's largest state-owned bank offering corporate, retail, and investment finance including real-estate backed products. Comparable as a domestic incumbent that benefits from similar state backing to BM Lease and competes for mortgage and large-corporate financing mandates.
- EFG Hermes Holding: Egypt's leading investment bank with brokerage, asset management, and financing operations including leasing-adjacent services across MENA. Comparable as a larger, diversified Egyptian financial services incumbent offering finance/leasing alongside wider capital markets capabilities.
- KFH (Kuwait Finance House): Leading Islamic bank with significant corporate, retail, and treasury finance activities including Islamic lease (ijara) products. Comparable as a broad incumbent offering Islamic asset-backed finance and leasing products across MENA, overlapping with BM Lease's Shariah-compliant corporate leasing use cases.
- Commercial International Bank (CIB): Egypt's largest private-sector bank providing corporate, SME, and retail financing including leasing-adjacent products. Comparable as a top-tier Egyptian financial institution that competes for the same corporate and SME asset-backed finance clients as BM Lease.
Direct peers
- Contact Financial Holding: Egyptian listed parent of Contact Factoring and valU, providing receivables finance, leasing, and consumer credit. Closely comparable as a multi-product Egyptian NBFI serving SMEs, corporates, and retail with factoring and asset financing.
- GB Auto Group: Egyptian automotive major with a captive leasing arm (GB Lease) that provides asset-backed finance for vehicles and equipment to corporate and retail clients. Directly comparable as a fellow Egyptian NBFI offering leasing and vendor finance solutions across consumer and SME segments.
Emerging players
- valU: Egyptian consumer finance and BNPL provider owned by Contact Financial Holding, extending installment-based financing for retail and SME purchases. Comparable as a fellow Egyptian NBFI leveraging technology to deliver asset-based and receivables finance to SMEs and consumers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
BM Lease social profiles
Digital presenceBM Lease financial estimates
Financial estimateRevenue estimate
Valuation estimate
BM Lease leadership team
Management profileNumber of profiles
Profiles1 record
BM Lease funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BM Lease M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BM Lease
What does BM Lease do?
BM Lease provides medium- and long-term financial leasing (including operating lease, direct lease, and sale-and-lease-back arrangements), short-term working capital through factoring (domestic factoring and supply chain finance), and mortgage financing (portfolio acquisition from developers, retail mortgage for individuals, and commercial mortgage). The company purchases assets on behalf of clients who repay through scheduled rentals, purchases accounts receivable at a discount for working capital, and finances real estate purchases with the property as collateral.
Is BM Lease a public or private company?
BM Lease is a private company. It is classified as state government owned and is currently operating.
When was BM Lease founded?
BM Lease was founded in 2017. It employs 11 to 50 people.
Where is BM Lease based?
BM Lease is headquartered in Cairo, Egypt, in the Africa region.
How does BM Lease make money?
Three revenue lines are on record. Financial Leasing is the primary driver. The others are factoring Services and mortgage Finance.
Who are BM Lease's main competitors?
Broad incumbents on record are Beltone Financial Holding, Mashreq Bank, Al Rajhi Bank, National Bank of Egypt, EFG Hermes Holding, KFH (Kuwait Finance House) and Commercial International Bank (CIB). Direct peers are Contact Financial Holding and GB Auto Group. valU is listed as an emerging player.
Does BM Lease have an API?
No public API is recorded for BM Lease.