Interlease

What Interlease does

Interlease (ОББ Интерлийз ЕАД) is a Bulgarian financial and operational leasing company founded in 1995 and headquartered in Sofia. It serves individual retail customers, SMEs, and corporate clients across Bulgaria through a nationwide network of eight branch offices (Sofia, Plovdiv, Varna, Burgas, Blagoevgrad, Stara Zagora, Ruse, and Dobrich) and a digital self-service channel. The company has been a wholly-owned subsidiary of KBC Group Bulgaria since 2017, operating as part of a banking-insurance-leasing-pension-asset management cluster alongside UBB and DZI, which enables cross-selling of bundled financial products.

Interlease's core product set comprises financial leasing (where the lessee acquires ownership at contract end) and operational leasing (long-term rental without ownership transfer) covering passenger vehicles, light commercial vehicles, heavy goods vehicles, production equipment, transport vehicles, construction machinery, and agricultural equipment. Specialized product lines include NINJA Leasing for simplified passenger-car financing, the E-Line (Е-линия) program for electric vehicles sourced through official dealer networks, dedicated FOTON commercial-vehicle leasing, and European Financing products delivered under EIF/EIB guarantee agreements (COSME, RRF). The company also operates STORE INTERLEASE, an online and physical secondary-market platform for the resale of returned leased assets.

The technology stack is built around a digital leasing platform featuring the OLA (Online Lease Application) product, remote mobile-based digital contract signing via a partnership with EuroTrust Technologies, and a dual-currency (BGN/EUR) customer portal at interlease.ws. Operational analytics run on Qlik Sense BI, and payment integrations are live with ePay.bg and Easypay. Revenue is generated from interest and fees on financial lease contracts, recurring operational lease rentals, used-asset sales through STORE INTERLEASE, and preferential SME financing terms enabled by EIF guarantee facilities. Distribution combines direct field sales through branches, dealer/supplier referral partnerships (BYD via ESKO AUTOMOTIVE, FOTON, Peugeot, and others), and the digital self-service channel.

Name

Interlease

Legal name

ОББ Интерлийз ЕАД

Website

https://interlease.bg

Company type

Private

Founded year

1995

Operating status

Operating

Short description

Interlease (ОББ Интерлийз ЕАД) is a Bulgarian financial and operational leasing company, founded in 1995 and a wholly-owned subsidiary of KBC Group Belgium. It serves retail customers, SMEs, and corporates across Bulgaria with vehicle, equipment, and machinery leasing through eight branches and a digital platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Sofia

HQ country

Bulgaria

HQ region

Europe

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Leasing: Finance leasing of vehicles (passenger, light commercial, and heavy goods), production equipment, transport vehicles, construction machinery, and agricultural equipment to individuals and businesses. The lessee acquires ownership of the asset at the end of the contract.
2. Operational Leasing: Operational leasing (long-term rental) of assets where ownership remains with the lessor. Targeted at business clients seeking flexible fleet management without asset ownership.
3. E-Line (Electric Vehicle Leasing): Specialized financial and operational leasing of electric vehicles under the E-Line product, providing financing for all EV brands through official dealers.
4. Used Asset Sales: Sale of returned leased assets (vehicles, machinery, equipment) through the company's STORE INTERLEASE platform and physical showroom offices.
5. European Funding Products: Leasing products offered under preferential conditions via guarantee agreements with the European Investment Fund (EIF), including Recovery and Resilience Facility instruments, enabling enhanced financing terms for SMEs.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Interlease (ОББ ИНТЕРЛИЙЗ ЕАД) provides financial and operational leasing of vehicles (passenger, light commercial, heavy goods), production equipment, transport vehicles, construction machinery, and agricultural equipment to both individual consumers and business clients in Bulgaria. The company also sells used returned leased assets through STORE INTERLEASE and offers EIF-backed European financing programs with preferential terms for SMEs.

Product overview

ОББ Интерлийз (Interlease) is a leading Bulgarian leasing company offering a comprehensive portfolio of financial and operational leasing products. The core offerings include Financial Leasing (for vehicles, equipment, and machinery) and Operational Leasing for business clients. Key product variants include NINJA Лизинг for passenger cars, Е-линия (E-Line) for electric vehicles, and FOTON leasing for commercial vehicles. The company provides supplementary services including European financing programs (EIF guarantees, RRF instruments), a Customer Portal for account management, a Supplier Portal, and the STORE INTERLEASE platform for secondary sales of returned assets. Digital capabilities include online lease applications (OLA), leasing calculators, and customer portals with dual BGN/EUR currency support following Bulgaria's euro adoption.

Differentiator

Problem solved

Functional benefit

Brands

• E-Line (Е-линия): Financial and operational leasing of electric vehicles
• NINJA Leasing
• STORE INTERLEASE
• Interlease.ws
• iLease

Products and services

• Financial Leasing (Финансов лизинг) Financial leasing product for individuals and businesses to finance passenger cars, light commercial vehicles, production equipment, transport vehicles, construction and agricultural machinery; ownership transfers to lessee at end of contract.
• Operational Leasing (Оперативен лизинг) Operational leasing (long-term rental) for business clients providing flexible use of vehicles and equipment without ownership transfer; targeted at businesses seeking fleet management without asset ownership obligations.
• NINJA Leasing (NINJA Лизинг) Specialized financial leasing product for passenger automobiles with simplified and rapid application process, targeting individual customers seeking fast vehicle financing.
• E-Line (Е-линия) – Electric Vehicle Leasing Financial and operational leasing of all brands of electric vehicles delivered through the official dealer network in Bulgaria; specialized product line supporting sustainable mobility adoption.
• FOTON Financial Leasing Financial leasing for FOTON light commercial and heavy goods vehicles in Bulgaria, offered through dedicated product pages and targeted marketing as the official FOTON leasing provider.
• European Financing (Европейско финансиране) Leasing products under preferential conditions via guarantee agreements with the European Investment Fund (EIF), including COSME and Recovery and Resilience Facility (RRF) instruments, providing enhanced financing terms for Bulgarian SMEs.
• STORE INTERLEASE – Used Assets Sales Online store and physical showroom platform for selling used leased assets (vehicles, machinery, equipment, agricultural and construction machinery, trucks, tractors and other transport) returned to the company at the end of lease contracts.

Quantifiable outcome

• Successfully funded 52 electric vehicles for Ride Share Bulgaria – a significant sustainable mobility deal.
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• EldriveminorGTM or Marketing Partner · 6 June 2026Joint participation with UBB and DZI in the Eldrive Mobility Festival 2026, held at The Mall Sofia parking, promoting sustainable mobility and electric vehicle adoption.
• БАТА АГРО (BATA AGRO)minorGTM or Marketing Partner · 21 May 2026Annual participation in the BATA AGRO agricultural exhibition (18th edition in 2026) with UBB, showcasing leasing solutions for agricultural machinery and equipment for the farming sector.
• ESKO AUTOMOTIVE (ЕСКО АУТОМОТИВ ЕООД)coreChannel Partner/ Reseller/ Distributor · 21 April 2026New strategic partnership with ESKO AUTOMOTIVE – the official representative of BYD in Bulgaria – announced in April 2026. OББ Интерлийз acts as the leasing financing partner for BYD vehicles sold through ESKO's dealer network in Bulgaria.
• IzotechminorGTM or Marketing Partner · 24 September 2025Presented at the International Technical Fair Plovdiv 2025 on Izotech's stand, showcasing leasing solutions for industrial machinery and equipment.
• EuroTrust Technologies (Евротръст Технолъджис АД)coreTechnology or Integration · 25 July 2025Partnership with Bulgarian certification services company EuroTrust Technologies to enable fully digital online leasing application and remote digital contract signing via mobile application. Allows customers to apply for leasing and sign contracts entirely online.
• FOTONcoreChannel Partner/ Reseller/ Distributor · 17 June 2025OББ Интерлийз is the official leasing provider for FOTON commercial vehicles (light commercial and heavy goods vehicles) in Bulgaria, with focused product pages and dedicated marketing for FOTON leasing.
• DZI (ДЗИ – Общо застраховане)coreGTM or Marketing Partner · 1 January 2025Ongoing cross-selling and joint event partnerships within KBC Group Bulgaria. DZI provides insurance products bundled with leasing contracts, and the companies jointly participate in events such as Eldrive Mobility Festival.
• UBB (Обединена българска банка)coreGTM or Marketing Partner · 1 January 2025Cross-selling partnerships within KBC Group Bulgaria. UBB refers customers for leasing products, and OББ Интерлийз participates in joint events and marketing campaigns with UBB (e.g., BATA AGRO, Eldrive).
• СБА (Съюз на българските автомобилисти)minorGTM or Marketing Partner · 5 February 2018Partnership with the Union of Bulgarian Motorists (SBA) as official partner for road safety initiatives including the 'Best Young Driver of Bulgaria' competition and annual motorcycle season opening events.

Scale indicators6 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• DLL (De Lage Landen): Global vendor financing partner (Rabobank subsidiary) covering equipment leasing across agriculture, transportation, and industrial sectors worldwide, with CEE presence. Comparable asset-financing model to Interlease with stronger international vendor partnerships.
• ALD Automotive Bulgaria: Operational leasing and fleet management arm of Société Générale, present in Bulgaria. Directly comparable to Interlease on the operational leasing side (long-term vehicle rental to corporates), though specializing narrowly in fleet management.
• BNP Paribas Leasing Solutions: Global equipment and vehicle leasing arm of BNP Paribas, active across CEE including Bulgaria. Provides B2B financing solutions for vendors and corporate clients in similar asset categories (vehicles, industrial equipment, agricultural machinery). Comparable business model with broader geographic reach and balance sheet.
• LeasePlan Bulgaria: Global operational leasing and fleet management provider operating in Bulgaria. Comparable to Interlease's operational leasing offering for corporate fleets, with stronger international scale and used-car remarketing capabilities.
• Société Générale Equipment Finance (SGEF): Equipment finance arm of Société Générale, with presence in Bulgaria via its former banking subsidiary (SG Expressbank). Offers vendor and corporate financing for professional equipment, transportation, and industrial assets. Comparable asset-financing model to Interlease.

Regional players

• Eurolease Group (Romania): One of Romania's leading independent leasing companies, offering financial and operational leasing of vehicles and equipment to corporates and individuals. Regionally adjacent business model with similar product positioning, though operating in the larger Romanian market rather than Bulgaria.
• Porsche Financial Services Bulgaria: Captive finance arm of Porsche Bank in Bulgaria, providing financial leasing for Volkswagen Group vehicles. Comparable vehicle-financing focus within the Bulgarian market, though narrower in scope (single OEM captive) than Interlease's multi-brand dealer-network model.

Direct peers

• Euroleasing (Bulgaria): Bulgarian-focused financial leasing company serving SMEs and corporates with vehicle and equipment financing. Directly comparable geographic and product footprint to Interlease's core Bulgarian financial leasing business.
• Raiffeisen Leasing Bulgaria: Bulgarian leasing company affiliated with Raiffeisenbank Bulgaria, offering financial leasing of vehicles and equipment to individuals and SMEs — directly comparable to Interlease in customer segments, products (financial leasing, operational leasing), and Bulgarian market focus. Interlease's CEO Nikola Hristov previously served as MD of Raiffeisen Leasing Bulgaria.
• UniCredit Leasing Bulgaria: A Bulgarian leasing entity within the UniCredit group, providing financial and operational leasing of vehicles and equipment to corporate and SME customers. Directly competitive with Interlease in the Bulgarian market, leveraging UniCredit Bulbank's deposit base and branch network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/interlease-ead

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Interlease