Raiffeisen Leasing

What Raiffeisen Leasing does

Raiffeisen Leasing IFN S.A. is a Romanian non-bank financial institution (IFN) that provides financial leasing solutions to individuals and businesses. The company operates exclusively in Romania from its headquarters in Sky Tower, Bucharest (Calea Floreasca, nr. 246C, Et. 15, Sector 1), and is a subsidiary within the Raiffeisen Group, benefiting from brand association with Raiffeisen Bank International, one of the largest banking groups in Central and Eastern Europe. The firm self-describes as a top company on the Romanian leasing market.

The product portfolio covers vehicle leasing (passenger cars, electric vehicles via the Tesla Romania partnership, and pre-owned commercial trucks via the BAS World partnership), equipment leasing (construction equipment through Titan Machinery and Terra Romania partnerships, agricultural machinery, and industrial assets), and photovoltaic panel financing for renewable energy projects. In 2025 the company expanded into operational leasing through the Raiffeisen Rent sub-brand of Raiffeisen Bank International, broadening its offering from ownership-based financial leasing to rental-based fleet solutions. The company also runs a resale channel for recovered leased assets.

Distribution combines digital channels — a website with online application forms and leasing calculators, integration with the Raiffeisen Smart Mobile banking app (iOS, Google Play, Huawei AppGallery), and digital marketing across Google, Facebook, LinkedIn, TikTok, and Snapchat — with the Raiffeisen Bank Romania branch network and embedded dealer financing partnerships. Revenue is generated through recurring monthly leasing installments, with promotional rates such as a 0.99% fixed margin plus Euribor (#GatadeBusiness campaign) and 2.99% fixed Euro for Tesla financing. The technology stack is conventional enterprise web (IBM WebSphere Portal, Google Analytics, Dynatrace, hCaptcha, Microsoft 365) with no proprietary AI/ML disclosed, and the firm employs 51-100 people.

Name

Raiffeisen Leasing

Legal name

Raiffeisen Leasing IFN S.A.

Website

https://raiffeisen-leasing.ro

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

51–100 employees

Short description

Raiffeisen Leasing IFN S.A. is a Romanian non-bank financial institution that provides financial and operational leasing for vehicles, commercial trucks, construction and agricultural equipment, and photovoltaic panels to individuals and businesses in Romania, distributed through Raiffeisen Bank Romania branches and dealer partnerships.

Ownership category

akta.pro rank

Product category

Financial Leasing

NAICS

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

SIC

Finance Lessors (6172), Services-Auto Rental & Leasing (No Drivers) (7510), Services-Miscellaneous Equipment Rental & Leasing (7350)

akta.pro primary industry

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA)

akta.pro secondary industry

Premium & Luxury Vehicle Leasing (TLABAAAF)

Keywords

• Financial leasing
• Vehicle leasing
• Equipment financing
• Operational leasing
• Agricultural leasing

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Leasing: Core revenue stream from financial leasing products for vehicles (cars, commercial vehicles, electric vehicles), equipment (construction machinery, agricultural equipment, photovoltaic panels), and other movable and immovable assets. Customers (both individuals and companies) pay periodic leasing installments over the contract term. The company also offers operational leasing through Raiffeisen Rent, expanding revenue to rental-based income.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Raiffeisen Leasing provides financial and operational leasing solutions for individuals and legal entities in Romania, covering passenger and commercial vehicles, agricultural and construction equipment, photovoltaic panel installations, and other movable and immovable assets. Offerings are distributed through direct online applications, the Raiffeisen Bank branch network, and embedded dealer partnerships with Tesla Romania, BAS Trucks, Titan Machinery, and Terra Romania. Operational leasing is offered through the Raiffeisen Rent sub-brand of Raiffeisen Bank International.

Product overview

Raiffeisen Leasing is a Romanian leasing company providing a comprehensive portfolio of financial leasing solutions for both individuals and businesses. The offering encompasses vehicle leasing (auto, Tesla, trucks), equipment financing (agricultural, construction, industrial), sustainable energy solutions (photovoltaic panels), and operational leasing through its Raiffeisen Rent sub-brand. The portfolio includes partnership programs with major brands like Tesla, BAS Trucks, Titan Machinery, and Terra Romania, alongside digital tools (leasing calculators) and resale services for recovered assets. The company positions itself around responsible, sustainable, and transparent leasing under the tagline "Leasing asa cum trebuie" (Leasing as it should be).

Differentiator

Problem solved

Functional benefit

Brands

• Raiffeisen Rent: Operational leasing brand offered by the Raiffeisen Group in Romania.

Products and services

• Leasing Auto (Vehicle Leasing) Financial leasing for passenger and commercial vehicles offered to individuals and businesses, with flexible approval, transparent terms, and competitive interest rates.
• Leasing pentru Persoane Fizice (Personal Leasing) Personal vehicle leasing for individuals, tailored to the specific vehicle requirements of the retail buyer with flexible terms and transparent costs.
• Leasing pentru Agricultori (Agricultural Leasing) Leasing solutions supporting farmers and agricultural businesses in acquiring modern, sustainable, and productive agricultural machinery and equipment.
• Leasing Echipamente (Equipment Leasing) Financial leasing for productive industrial and commercial equipment, leveraging the company's expertise in evaluating and financing business assets.
• Leasing pentru Panouri Fotovoltaice (Photovoltaic Panel Leasing) Leasing solutions for photovoltaic panel installations, helping businesses achieve energy independence and optimize operational costs through sustainable energy investments.
• Raiffeisen Rent - Leasing Operational (Operational Leasing) Operational leasing under the Raiffeisen Rent brand providing flexible, expert-supported access to vehicles and equipment without ownership, including fleet management and maintenance options.
• Revanzare (Resale Services) Resale of recovered leased assets, offering transparent pricing for used vehicles and equipment previously returned from leasing contracts.

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and flagship.

• Tesla RomaniacoreGTM or Marketing PartnerRaiffeisen Leasing offers preferential financing rates (2.99% fixed interest in Euro) for Tesla electric vehicles through Tesla Romania. This partnership provides Tesla customers with competitive leasing options and allows Raiffeisen Leasing to tap into the growing electric vehicle market segment in Romania.
• BAS Trucks / BAS WorldcoreChannel Partner/ Reseller/ DistributorPartnership with BAS Trucks Olanda (BAS World), the largest dealer of second-hand trucks and trailers in Europe, providing Romanian transport companies access to financing for imported commercial vehicles. This extends Raiffeisen Leasing's reach into the commercial fleet financing segment.
• Titan Machinery RomaniacoreChannel Partner/ Reseller/ DistributorFinancing partnership for construction equipment including Case and Wacker Neuson brands, excavators, bulldozers, wheel loaders, mini-loaders, graders, and compactors. Titan Machinery Romania dealers integrate Raiffeisen Leasing financing into their sales process for construction equipment.
• Terra Romania Utilaje de ConstructiicoreChannel Partner/ Reseller/ DistributorFinancing partnership for heavy construction equipment including Rubble Master mobile crushers, Sennebogen cranes and material handlers, Arjes primary and universal shredders, and Pronar shredders and rotating screens. Terra Romania dealers serve as the point of sale for these equipment brands with integrated Raiffeisen Leasing financing.
• Terra Romania Echipamente Drumuri si InfrastructuracoreChannel Partner/ Reseller/ DistributorFinancing partnership for road construction equipment including Dynapac compactors and asphalt pavers. Dynapac equipment is recognized worldwide for safety and high technology in road construction and infrastructure, and Terra Romania dealers offer Raiffeisen Leasing financing alongside these products.
• Raiffeisen Rent (Raiffeisen Bank International)flagshipStrategic or Co-development PartnerRaiffeisen Rent is the operational leasing brand of Raiffeisen Bank International, through which Raiffeisen Leasing offers operational leasing products in Romania. This partnership consolidates the group's growth strategy in the Romanian market by providing customers access to new financing resources and expertise through the Raiffeisen Rent product.

Scale indicators1 record

Recent moves3 records

Expansion highlights5 records

Broad incumbents

• DLL (De Lage Landen): Global vendor finance and leasing company owned by Rabobank, active across CEE in equipment financing. Comparable in offering asset finance for agricultural, construction, and transportation equipment, but with much broader international scale.
• Raiffeisen-Leasing Austria: Austrian headquarters of the Raiffeisen Leasing group, providing broader CEE financial and operational leasing including real estate. Comparable business model and brand, but materially larger scope and geographic reach than the Romanian subsidiary.

Direct peers

• ING Lease Romania: Leasing arm of ING Bank Romania, providing financial leasing for vehicles and equipment to retail and SME customers. Comparable bank-affiliated model targeting similar customer segments.
• BNP Paribas Leasing Solutions Romania: Captive lessor of BNP Paribas active in Romania, financing vehicles, agricultural equipment, and industrial assets. Comparable cross-border bank-group leasing model with multi-asset product coverage.
• Alpha Leasing Romania: Independent Romanian leasing company offering financial leasing for vehicles and equipment to SMEs and individuals. Comparable mid-sized local lessor competing for similar deal flow in the same market.
• BCR Leasing (Erste Group): Leasing business of Banca Comercială Română, part of Austrian Erste Group. Offers vehicle and equipment leasing solutions in Romania, similar in structure and bank-anchored distribution to Raiffeisen Leasing.
• Tiriac Leasing: Part of the Țiriac Group in Romania, providing vehicle and equipment leasing. Comparable local player with focus on automotive and commercial vehicle financing in the same Romanian market.
• Porsche Leasing Romania: Local leasing provider affiliated with Porsche Holding, active in automotive and equipment financing in Romania. Comparable product focus on vehicle and equipment leasing with dealer-network distribution.
• BRD Sogelease: Leasing subsidiary of BRD – Groupe Société Générale, one of Romania's largest banks. Provides financial and operational leasing for vehicles and equipment, directly competing with Raiffeisen Leasing across consumer and corporate segments.
• UniCredit Leasing Romania: Captive leasing arm of UniCredit in Romania, offering financial leasing for vehicles, equipment, and real estate to individuals and businesses. Direct competitor in the same Romanian market with comparable product breadth and bank-parent distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/RaiffeisenLeasingRomania
• LinkedInlinkedin.com/company/raiffeisen-leasing-romania-ifn-sa
• Instagraminstagram.com/raiffeisenbankro

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Raiffeisen Leasing