BH Leasing
BH Leasing is a Tunisian B2B leasing company, subsidiary of BH Bank, financing vehicles, equipment, and commercial real estate for Tunisian professionals and businesses through multi-brand dealership partnerships and direct sales.
- Company typePrivate
- Founded1997
- HeadquartersTunis, Tunisia
- Headcount—
- GTM typeB2B
- OfferingServices
What BH Leasing does
BH Leasing is a Tunisian limited company (société anonyme) specialized in leasing operations, founded in March 1997 at the initiative of BH Bank (Banque de l'Habitat) and headquartered in Tunis. The company provides three core leasing product lines: Automobile Leasing for vehicles, Mobilier Leasing covering construction machinery, medical equipment, IT hardware, and office furniture, and Immobilier Leasing for commercial premises, administrative offices, storage facilities, clinics, and radiology centers. Lease contracts are structured with payment terms adapted to the lessee's exploitation cycle — up to seven years for vehicles — and include an end-of-term purchase option priced at one Tunisian dinar. Capital was increased from 5 million dinars at founding to 35 million dinars in 2015.
The company's technology footprint is modest: a web-based credit simulator (Simulateur de Crédit) provides indicative lease calculations incorporating Tunisia's 19% VAT, supplemented by a sealed-bid sales channel for end-of-lease vehicle and real estate remarketing. The go-to-market is sales-led, executed through a team of commercial advisors headquartered in Tunis who work directly with professional clients, complemented by an extensive network of promotional partnerships with automotive distributors across Tunisia covering Peugeot, BMW, Volkswagen, Renault, Toyota, Honda, Kia, Volvo, MG, Fiat, GAC/GWM/Haval, DFSK, Chery, and Great Wall. The customer base is horizontal across B2B professionals and equipment/real estate lessees, with no named anchor clients disclosed. BH Leasing generates revenue through recurring monthly lease payments across its active contract book, with pricing quote-based and not publicly disclosed; no revenue, ARR, or GMV figures are published.
BH Leasing firmographics
Firmographics- Name
- BH Leasing
- Legal name
- BH Leasing
- Website
- https://modernleasing.com.tn
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Short description
- BH Leasing is a Tunisian B2B leasing company, subsidiary of BH Bank, financing vehicles, equipment, and commercial real estate for Tunisian professionals and businesses through multi-brand dealership partnerships and direct sales.
- Ownership category
- akta.pro rank
BH Leasing industry classification
Industry- Product category
- Commercial Leasing Services
- NAICS
- Automotive Equipment Rental and Leasing (5321), Passenger Car Leasing (532112), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Lessors of Nonresidential Buildings (except Miniwarehouses) (531120), Rental and Leasing Services (532)
- SIC
- Finance Lessors (6172), Services-Auto Rental & Leasing (No Drivers) (7510), Services-Equipment Rental & Leasing, Nec (7359)
- akta.pro primary industry
- Leasing & Lease Buyout Financing (FSAKADAC)
- akta.pro secondary industries
- Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC), Rent-to-Own (RTO) Consumer Leasing (FSAKANAE), Lease Servicing, Management & Remarketing (Consumer) (FSAKANAL)
Keywords
Where BH Leasing is headquartered
LocationHeadquarters
- HQ city
- Tunis
- HQ country
- Tunisia
- HQ region
- Africa
Offices1 record
Markets served
BH Leasing business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Leasing Operations: BH Leasing generates revenue through leasing contracts for movable property (vehicles, construction equipment, office furniture, medical equipment) and real estate (commercial premises, administrative offices, storage facilities, clinics). At the end of the lease term, customers have the option to acquire the equipment for 1 dinar.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Customized leasing solutions based on equipment type and customer requirements |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
BH Leasing product offering
Product offeringCore offering
BH Leasing is a Tunisian financial services company that provides leasing (crédit-bail) for movable and immovable property used by professionals. Customers select equipment or property, BH Leasing purchases it on negotiated terms, and leases it back to the customer for a duration aligned to their business cycle; at the end of the lease, the customer may acquire the asset for 1 dinar.
Product overview
BH Leasing operates a comprehensive leasing platform consisting of three core products—Automobile Leasing for vehicles, Mobilier Leasing for equipment (construction machinery, medical, IT), and Immobilier Leasing for real estate—supplemented by a credit simulator tool and sealed bid sales channels for vehicles and properties.
Differentiator
Problem solved
Functional benefit
Products and services
- Leasing Automobile (Vehicle Leasing) Vehicle leasing service enabling businesses and professionals in Tunisia to acquire vehicles without upfront capital outlay. BH Leasing purchases the chosen vehicle and leases it to the customer over a term aligned to their exploitation cycle, with financing available up to 7 years. At the end of the lease, the customer has the option to acquire the vehicle for 1 dinar.
- Leasing Mobilier (Equipment Leasing) Equipment leasing covering construction machinery (engins de BTP), operating equipment, medical devices, IT hardware, and office furniture. BH Leasing acquires the equipment on negotiated terms and leases it to the business over a duration matched to its exploitation cycle, with end-of-lease acquisition available for 1 dinar.
- Leasing Immobilier (Real Estate Leasing) Real estate leasing for commercial premises, administrative offices, storage warehouses, clinics, and radiology centers. BH Leasing finances the acquisition or construction of the chosen property and makes it available to the customer on a lease aligned to their exploitation cycle, with the option to acquire the property at the end of the term for 1 dinar.
- Simulateur de Crédit (Credit Simulator) Web-based credit simulation tool enabling prospective customers to perform indicative calculations for credit and financing leasing, with TVA considered at 19%. Available on the BH Leasing website without commitment.
- Sealed-Bid Vehicle Sales (Ventes sous pli fermé - Véhicules roulant) Sealed-bid sales channel through which vehicles are offered for sale, available via the BH Leasing website.
- Sealed-Bid Real Estate Sales (Ventes sous pli fermé - Bien immobilier) Sealed-bid sales channel through which real estate properties are offered for sale, available via the BH Leasing website.
Quantifiable outcome
- Financing terms up to 7 years for vehicles
- +1 more outcomes
Companies that use BH Leasing
Customer profileSegments3 records
Ideal customer profiles1 record
BH Leasing technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
BH Leasing partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- GAC (GWM, Haval)corePromotional campaigns offering preferential rates on Haval, GAC, and GWM vehicles through BH Leasing financing. Multiple campaigns throughout 2024-2026 including extended offers and seasonal promotions.
- Honda TunisiacoreBH Leasing partnership with Honda Tunisia offering promotional financing campaigns. April 2026 campaign featuring preferential rates on Honda vehicles.
- Kia TunisiacoreBH Leasing campaigns for Kia vehicles including December 2024 promotions. Multiple campaigns throughout 2024-2025 featuring various Kia models.
- Ben Jemaa MotorscoreExclusive partnership offering exceptional deals and preferential rates on the entire BMW range until November 30, 2024. Features accelerated file processing and exceptional discounts with BH Leasing.
- ITALCARcoreITALCAR is a Fiat dealership in Tunisia. BH Leasing provides financing campaigns for Fiat vehicles through September 2025 promotions.
- Morris Garages (MG) TunisiacoreSpecial offers on the entire Morris Garages Tunisia range with BH Leasing. July 2024 promotional campaign featuring exceptional deals on MG vehicles.
- Toyota TunisiacoreBH Leasing financing for Toyota Tunisia Yaris Cross and other models. Summer promotions featuring comfort and safety at every kilometer with immediate availability.
- Ennakl (VW Tunisia)coreEnnakl is the Volkswagen distributor in Tunisia. BH Leasing offers exclusive promotions on VW Tiguan and other models through joint campaigns.
- STAFIMcoreSTAFIM is the Peugeot distributor in Tunisia. BH Leasing offers promotional financing campaigns including June 2025 campaign with advantageous monthly payments on Peugeot vehicles.
- Artes TunisiecoreArtes Tunisie is the Renault distributor in Tunisia. Joint promotional campaigns offering advantageous monthly payments and a unique driving experience with flagship Renault models.
- Volvo TunisiacorePartnership offering Volvo Car Tunisia vehicles with BH Leasing financing. Special promotions allowing customers to purchase and pay in 3 months.
- DFSK TunisiaminorPromotional campaigns featuring DFSK vehicles through BH Leasing financing.
- Glory (Chery) TunisiaminorBH Leasing campaigns for Glory 500 and iX5 models with promotional financing options.
- Great Wall Motors (Poer)minorBH Leasing promotional campaigns for Great Wall Poer pickup trucks in Tunisia.
Scale indicators3 records
Recent moves7 records
Expansion highlights4 records
BH Leasing competitors and assessment
Company assessmentBroad incumbents
- LeasePlan: Large international vehicle leasing and fleet management company. Comparable in product scope (long-term passenger car leasing) and operational model, though at vastly larger scale and global reach.
- ALD Automotive (Ayvens): Global fleet management and vehicle leasing leader (now part of Ayvens/SocGen). Comparable as a broad incumbent in auto leasing with multi-brand, multi-geography capabilities — providing a benchmark for where BH Leasing's auto franchise could evolve.
- Arval: BNP Paribas subsidiary providing full-service vehicle leasing and fleet management. Comparable broad incumbent in long-term auto leasing with multi-brand distribution, illustrating the larger-scale model BH Leasing's auto business could aspire toward.
Direct peers
- Arab Tunisian Lease (ATL): Established Tunisian leasing firm providing financing for movable and immovable assets. Competes head-to-head with BH Leasing in auto, equipment, and real estate leasing, with similar distribution through local dealer networks.
- Tunisie Leasing: Long-standing Tunisian leasing company covering auto, equipment, and real estate credit-bail. Operates in the same domestic market with overlapping customer segments and dealer financing partnerships.
- Compagnie Générale de Leasing (CGL): Tunisian leasing company offering credit-bail for vehicles, equipment, and real estate. Directly competes with BH Leasing in the same Tunisian market with a comparable product mix and dealer-financing model.
- ELAMEN: Tunisian leasing company (Emprunts et Leasing pour les Affaires et la Maison) active in equipment and vehicle financing. Direct domestic competitor with similar product structure and target customers.
- Amen Leasing: Leasing subsidiary of Amen Bank, providing vehicle, equipment, and real estate leasing in Tunisia. Highly comparable bank-affiliated model, competing for the same professional and SMB customers as BH Leasing.
- Hannibal Lease: Tunisian leasing firm offering credit-bail for vehicles and equipment. Competes directly with BH Leasing for professional and SMB leasing contracts within the Tunisian market.
Regional players
- Maghrebail: Moroccan leasing company (subsidiary of Banque Populaire Group) offering vehicle, equipment, and real estate leasing. Comparable business model and bank-affiliated structure to BH Leasing, but operating in a different North African geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
BH Leasing financial estimates
Financial estimateRevenue estimate
Valuation estimate
BH Leasing leadership team
Management profileNumber of profiles
BH Leasing funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BH Leasing M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BH Leasing
What does BH Leasing do?
BH Leasing is a Tunisian financial services company that provides leasing (crédit-bail) for movable and immovable property used by professionals. Customers select equipment or property, BH Leasing purchases it on negotiated terms, and leases it back to the customer for a duration aligned to their business cycle; at the end of the lease, the customer may acquire the asset for 1 dinar.
Is BH Leasing a public or private company?
BH Leasing is a private company. It is classified as corporate owned and is currently operating.
When was BH Leasing founded?
BH Leasing was founded in 1997.
Where is BH Leasing based?
BH Leasing is headquartered in Tunis, Tunisia, in the Africa region.
How does BH Leasing make money?
One revenue line is on record: leasing Operations.
Who are BH Leasing's main competitors?
Broad incumbents on record are LeasePlan, ALD Automotive (Ayvens) and Arval. Direct peers are Arab Tunisian Lease (ATL), Tunisie Leasing, Compagnie Générale de Leasing (CGL), ELAMEN, Amen Leasing and Hannibal Lease. Maghrebail is listed as a regional player.
Does BH Leasing have an API?
No public API is recorded for BH Leasing.
What industry is BH Leasing in?
BH Leasing's product category is Commercial Leasing Services. Its primary akta.pro industry code is FSAKADAC, Leasing & Lease Buyout Financing, with a secondary code of TLABAAAC, Consumer/Private Lease & Subscription (Personal Contract Hire). Its NAICS code is 5321 and its SIC code is 6172.