BFL Leasing

What BFL Leasing does

BFL – easyleasing GmbH is a German branch of the Austrian leasing company easyleasing GmbH, wholly owned by BAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse Aktiengesellschaft as part of the BAWAG Group. Founded in 1973 and headquartered in Eschborn, Germany (with the parent entity registered in Vienna), the company provides leasing, hire purchase (Mietkauf), and rental (Miete) financing solutions for German businesses, focusing on IT and office equipment, vehicles, medical technology, and information and communication technology assets. End customers are reached exclusively through an indirect channel of vehicle and IT/office equipment dealer partners who use BFL's VPOS (VertriebsPartner-OnlineSystem) online portal to submit financing applications on behalf of their buyers.

The core technology platform is VPOS, a web-based partner portal that enables dealer partners to calculate financing contracts in real time and obtain automated credit decisions up to €250,000 within three minutes. Supporting services include VideoIdent (online video-based identity verification via WebID Solutions, available daily 07:00–22:00), Partner-Serviceportal and Kunden-Serviceportal online workflows for service requests and open-item reconciliation, and standardized digital forms. The company holds dual regulatory supervision from BaFin in Germany and the Austrian FMA, and complies with GDPR and EN 301 549 accessibility standards.

The business model is structured around recurring contract-based revenue streams — leasing, Mietkauf, and Miete — with monthly billing cadence. Pricing is quote-based per contract, determined by asset type, contract term, customer credit profile, and product category, and is not publicly disclosed. GTM motion is dominated by channel partners (dealers), with inside sales supported by the 24/7 self-service VPOS portal and enterprise field sales enabled through BAWAG Group's banking network. The company has no app, no public API, and no disclosed funding history, operating as a private subsidiary within a publicly-traded banking group.

Name

BFL Leasing

Legal name

BFL – easyleasing GmbH

Website

https://bfl-leasing.de

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

1–10 employees

Short description

BFL Leasing is a German branch of Austrian easyleasing GmbH (wholly owned by BAWAG Group) providing digital leasing, hire purchase, and rental financing for IT/office equipment, vehicles, and medical technology to German businesses, distributed exclusively through dealer partners via the VPOS online portal.

Ownership category

akta.pro rank

Product category

Equipment Leasing

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Office Machinery and Equipment Rental and Leasing (53242), Automotive Equipment Rental and Leasing (5321), Sales Financing (52222)

SIC

Finance Lessors (6172), Services-Computer Rental & Leasing (7377), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

akta.pro secondary industries

BNPL for High-Ticket / Longer-Term Installments (FSAKACAN), BNPL Merchant Enablement (Plugins, Gateways, Reconciliation) (FSAGAIAF)

Keywords

• Equipment leasing
• IT financing
• Vehicle leasing
• Dealer financing
• Business leasing

Headquarters

HQ city

Eschborn

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing Contracts: BFL generates revenue through leasing agreements where assets (vehicles, IT/office equipment) are leased to business customers over defined periods in exchange for fixed periodic payments. At contract end, assets are returned or purchased by the customer.
2. Mietkauf (Hire Purchase): Installment-based financing model where the customer acquires ownership of the asset upon payment of the final installment. Revenue is recognized over the contract term through periodic payments.
3. Miete (Rental with Services): Rental model that bundles financing with maintenance, consumables, and support services for office equipment (e.g., Output Management). Revenue includes both the rental component and bundled service fees.
4. Software Usage Contracts: Specialized financing arrangements for software licenses and usage rights, enabling customers to finance software even when third-party resale rights are not permitted by the software manufacturer.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

BFL – easyleasing GmbH provides leasing and financing solutions for German business customers and their dealer partners, covering IT/office technology, software, medical equipment, and vehicles. The company's products include classic Leasing, hire purchase (Mietkauf), and rental-with-services (Miete/Output Management), distributed exclusively through a dealer partner network using the proprietary VPOS online portal that delivers automated credit decisions up to €250,000 within 3 minutes.

Product overview

BFL – easyleasing GmbH is a leasing and financing company operating as part of the BAWAG Group, offering digital financing solutions for business customers and dealers in Germany. The core offering centers on VPOS (VertriebsPartnerOnlineSystem), an online partner portal that enables real-time contract calculation and automated credit decisions up to 250,000 EUR within 3 minutes. The financing product portfolio includes Leasing, Mietkauf (hire purchase), and Miete (rental with output management services) for IT & office technology, vehicles, and medical equipment. Supporting services include VideoIdent for online identity verification, partner and customer service portals, and standardized workflow forms for contract management.

Differentiator

Problem solved

Functional benefit

Products and services

• Leasing (Finanzierungsmodell)

Quantifiable outcome

• Automated credit decisions completed within 3 minutes for financing up to €250,000
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

One partnership is on record.

• WebID SolutionscoreTechnology or IntegrationWebID Solutions provides BFL with the Video-Ident online identity verification service, enabling BFL's customers to complete identity verification remotely via browser or mobile app without visiting a physical branch. The service is available daily from 07:00 to 22:00. WebID is integrated into BFL's customer onboarding workflow, replacing in-person identification requirements with a digital alternative.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• BNP Paribas Leasing Solutions: BNP Paribas Leasing Solutions is the vendor-finance and equipment leasing arm of BNP Paribas, offering asset financing across IT, agriculture, transport, and industrial equipment across Europe. A much larger incumbent offering a broader portfolio, but operating in overlapping IT/equipment leasing categories.
• Siemens Financial Services: Siemens Financial Services provides equipment financing, leasing, and project finance solutions globally, with deep IT and industrial equipment exposure. Comparable to BFL's IT/office equipment focus but operating at much larger scale as part of a global industrial conglomerate.
• DLL Group: DLL is a global vendor finance company offering leasing and asset finance across equipment categories (food/agriculture, healthcare, technology) via manufacturer and dealer partnerships. Comparable to BFL's dealer-channel vendor financing model at much larger global scale.

Direct peers

• Deutsche Leasing AG: Deutsche Leasing is one of Germany's largest asset financing providers, offering leasing for machinery, equipment, IT, and vehicles to mid-market and SME customers. Comparable in broad asset coverage and B2B focus, though with a larger balance sheet and wider product set.
• CHG-Meridian: CHG-Meridian is a major German technology and IT equipment leasing and lifecycle management specialist, serving B2B customers across Europe. Comparable in IT/office equipment leasing orientation and managed-services bundling (analogous to BFL's Output Management Miete product).
• MMV Leasing GmbH: MMV Leasing is a German independent lessor focused on movable assets (IT, office, machinery) for SMEs and the public sector. Direct competitor in the German SMB equipment leasing niche.
• ALBIS Leasing AG: ALBIS Leasing provides equipment leasing for IT, office technology, medical devices, and machinery to German SMBs through dealer and direct channels. Closely comparable to BFL on IT/office equipment focus and SMB customer profile.
• GRENKE AG: GRENKE is a publicly-traded German leasing company focused on IT, office, and small-ticket equipment financing for SMBs via partner and dealer networks. Most direct comparable to BFL by product mix (IT/office leasing), customer segment (SMBs), and German market focus.

Emerging players

• Solaris SE: Solaris is a European embedded finance platform offering lending, leasing, and 'B2B BNPL' (Pay later solutions) to digital platforms and merchants. An emerging player addressing the merchant-integrated financing use case that overlaps with BFL's dealer-integrated VPOS model.

Regional players

• ALD Automotive: ALD Automotive (part of Société Générale) is a European leader in vehicle leasing and fleet management with a multi-country footprint. Comparable to BFL's vehicle financing line but operating at significantly larger scale across multiple European geographies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bfl-leasing-gmbh

Compliance2 records

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 BFL Leasing