Raiffeisen Leasing Polska S.A.

What Raiffeisen Leasing Polska S.A. does

Raiffeisen Leasing Polska S.A. is a Poland-based financial leasing provider headquartered in Warsaw, founded in 1998. The firm operates within the Polish financial services market, offering leasing and related asset financing solutions to business clients, with an employee base of 251-500 suggesting mid-sized institutional operations.

The available source material predominantly describes the activities of ObliczLEASING.pl, a leasing broker and advisor platform that aggregates offers from approximately twelve major Polish leasing companies — including Alior Leasing, BNP Paribas Leasing, Santander Leasing, EFL (Credit Agricole), ING Leasing, mLeasing (mBank), PKO Leasing, Volkswagen Leasing, Millennium Leasing, Idea Leasing, Impuls Leasing, and VEHIS Leasing. The platform offers a proprietary leasing calculator (Kalkulator Leasingowy) and a lease comparison engine (Porównywarka Leasingowa), covering operational leasing, financial leasing, leasing loans, long-term rental, and consumer leasing. Specialized calculators exist for electric/hybrid vehicles and photovoltaic panels. Whether ObliczLEASING.pl is a corporate affiliate, a broker relationship, or a separately collected dataset relative to Raiffeisen Leasing Polska S.A. is not clarified in the source material.

The business model operates through intermediary/brokerage commissions on leasing contracts facilitated between customers and partner leasing companies, supported by a hybrid go-to-market combining an online self-service platform with a field advisory motion in which dedicated leasing advisors travel nationwide to sign contracts at client premises. Primary customers are Polish SMEs and business entities seeking financing for passenger vehicles, commercial vehicles, trucks, agricultural machinery, construction equipment, medical equipment, and other industrial assets.

Name

Raiffeisen Leasing Polska S.A.

Website

https://rl.com.pl

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

251–500 employees

Short description

Raiffeisen Leasing Polska S.A. is a Warsaw-based financial leasing provider founded in 1998, serving Polish business clients with asset financing solutions through a mid-sized institutional operation of 251-500 employees.

Ownership category

akta.pro rank

Product category

Leasing Services

NAICS

Automotive Equipment Rental and Leasing (5321), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Rental and Leasing Services (532)

SIC

Services-Equipment Rental & Leasing, Nec (7359), Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Property Management Advisory & Leasing Administration (FSAEAJAN)

akta.pro secondary industry

Equipment & Tool Leasing (Consumer) (FSAKANAF)

Keywords

• Leasing brokerage
• Equipment leasing
• Vehicle financing
• Financial leasing
• Leasing advisory

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing Brokerage/Intermediary Fees: The company acts as an authorized representative of leasing companies, earning commissions or fees from partner leasing firms for bringing new customers. The broker facilitates lease contracts between customers and leasing companies, receiving compensation for this intermediary role.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Raiffeisen Leasing Polska S.A. operates as an authorized leasing broker and advisor in Poland, facilitating lease contracts between customers and multiple partner leasing companies. The company provides operational leasing, financial leasing, leasing loans, long-term rental, consumer leasing, and refinancing services for vehicles (passenger cars, delivery vehicles, trucks, buses) and machinery (construction, agricultural, medical, printing, forklifts, CNC, photovoltaic panels). The platform supports this offering with proprietary leasing calculators and a comparison engine that aggregates offers from approximately 12 major Polish leasing companies.

Product overview

ObliczLeasing.pl operates as a leasing broker platform offering multiple financial products through partnerships with various leasing companies. The core offering is a leasing broker service that compares offers from approximately 12 major Polish leasing companies. The platform provides specialized calculator tools for different vehicle types (passenger cars, commercial vehicles, trucks, electric vehicles) and machinery categories (construction, agricultural, medical, printing equipment). Additional services include long-term rental, consumer leasing, and refinancing options. The platform connects customers with leasing providers including Alior Leasing, BNP Paribas Leasing, Santander Leasing, EFL Leasing, ING Leasing, mLeasing, PKO Leasing, Volkswagen Leasing, and others. Note: This source data appears to be from a leasing broker website, not directly from Raiffeisen Leasing Polska S.A.'s own platform.

Differentiator

Problem solved

Functional benefit

Brands

• Kalkulator leasingowy: Online platform for comparing and calculating leasing offers from multiple leasing companies

Products and services

• Leasing Brokerage Service Authorized leasing broker platform that compares and aggregates leasing offers from multiple financial institutions (Alior Leasing, BNP Paribas Leasing, Santander Leasing, EFL Leasing, ING Leasing, mLeasing, PKO Leasing, Volkswagen Leasing, etc.) for Polish businesses and consumers. The service includes personalized advisory support, nationwide on-site contract signing, and assistance with documentation and insurance.
• Vehicle Leasing Brokerage Leasing brokerage services for passenger cars, delivery vehicles up to 3.5 tons, trucks, tractor units, semi-trailers, and buses. Customers can choose from new or used vehicles with bank leasing, operational leasing, or long-term rental structures.
• Machinery Leasing Brokerage Leasing brokerage for construction machinery, agricultural machinery, medical equipment, printing machines, forklifts, loaders, CNC machines, laser cutters, packaging machines, woodworking machines, and photovoltaic panels.
• Operational Leasing Operational leasing arrangement where lease payments are tax-deductible business expenses. Available for vehicles and machinery with simplified procedures not requiring financial documents, down payments from 1%, and lease terms up to 84 months.
• Leasing Loan (Pożyczka Leasingowa) A financing product combining characteristics of a loan and leasing, commonly used for machinery, medical equipment, and vehicles sold without VAT (VAT-margin invoices). The structure allows full VAT deduction and offers refinancing options for existing vehicles.
• Long-term Rental (Wynajem Długoterminowy) Long-term rental service for new passenger vehicles with mileage limits, where the vehicle is returned at the end of the contract. Vehicles can be purchased at market price at the end of the rental period.
• Consumer Leasing (Leasing Konsumencki) Leasing services for individual consumers not operating businesses, enabling them to finance passenger vehicles with simplified documentation requirements and down payments starting from 1%.
• Lease Refinancing Refinancing of existing leased or financed vehicles through lease-back arrangements or leasing loans, allowing customers to restructure their existing financing arrangements. Includes technical lease-back up to 3 months from vehicle purchase.

Quantifiable outcome

• Leasing decision in 15 minutes for standard cases
• +2 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core, major and minor.

• Alior LeasingcoreChannel Partner/ Reseller/ DistributorAlior Leasing is a subsidiary of Alior Bank. Listed as one of the leasing companies available through the broker's comparison platform. The partnership provides customers access to Alior Bank's leasing products.
• BNP Paribas LeasingcoreChannel Partner/ Reseller/ DistributorLeasing company affiliated with BNP Paribas Bank (formerly BGŻBNP Paribas). Available through the broker's platform for customer financing options.
• Santander LeasingcoreChannel Partner/ Reseller/ DistributorFormerly BZWBK Leasing, now part of Santander Bank group. Provides leasing solutions available through the broker's network.
• EFL Leasing (Credit Agricole)coreChannel Partner/ Reseller/ DistributorLeasing company of Credit Agricole group. One of the oldest leasing companies in Poland, offering products through the broker's platform.
• Idea Leasing (Getin/Idea Bank)majorChannel Partner/ Reseller/ DistributorLeasing company originating from Idea and Getin merger. Promoted under Idea Leasing brand following Idea Bank's acquisition by Pekao Leasing.
• Impuls LeasingcoreChannel Partner/ Reseller/ DistributorIndependent Warsaw-based leasing company with Austrian roots. Offers leasing products through the broker's comparison platform.
• ING LeasingcoreChannel Partner/ Reseller/ DistributorLeasing subsidiary of ING Bank, providing financing solutions available through the broker's network.
• Millennium LeasingmajorChannel Partner/ Reseller/ DistributorLeasing company of Millennium Bank, offering vehicle and equipment financing through the broker.
• mLeasing (mBank)coreChannel Partner/ Reseller/ DistributorLeasing subsidiary of mBank, providing digital-first leasing solutions through the broker's platform.
• PKO LeasingcoreChannel Partner/ Reseller/ DistributorLeasing company of PKO Bank, Poland's largest banking group, available through the broker's network.
• Volkswagen LeasingmajorChannel Partner/ Reseller/ DistributorSpecialized leasing company financing exclusively VW Group vehicles (Volkswagen, Skoda, Audi, Porsche). Available for customer financing through the broker.
• VEHIS LeasingminorChannel Partner/ Reseller/ DistributorYoung leasing company offering innovative leasing and long-term rental solutions for vehicles.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Notus Finanse: Polish financial intermediary specializing in SME loans and leasing broker services. Comparable for its intermediation model connecting SMBs with bank and leasing products, though smaller scale and more loan-focused than leasing-centric ObliczLEASING.pl.

Direct peers

• BNP Paribas Leasing Solutions: Bank-affiliated Polish lessor covering vehicles, equipment, and technology assets. Comparable as a partner on the broker's platform while also operating its own direct SME sales force in Poland.
• mLeasing (mBank group): Bank-affiliated Polish lessor and digital leasing provider owned by mBank. Comparable because it is both a partner lessor on the broker's platform and a direct competitor building its own self-service digital leasing channel targeting the same SME customer base.
• PKO Leasing (PKO Bank Polski group): Largest Polish banking group's leasing arm, providing vehicle and equipment financing. Comparable as a major platform partner whose terms heavily influence broker competitiveness.
• Expander Advisors: Polish financial advisor and intermediary broker connecting customers with banks, leasing companies, and insurers. Closest direct comparable to ObliczLEASING.pl: similar advisor-led, multi-product intermediation model targeting Polish SMBs and consumers with nationwide coverage.
• Santander Leasing (formerly BZWBK Leasing): Bank-affiliated Polish lessor offering full vehicle and equipment leasing products. Comparable as a partner lessor and direct competitor with bank-customer channel advantages.
• ING Lease (ING Bank Śląski): Polish bank-affiliated lessor offering vehicle and equipment leasing. Comparable as both a distribution partner of ObliczLEASING.pl and a direct competitor with captive bank-customer access, online calculators, and dedicated SME leasing teams.
• EFL (Europejski Fundusz Leasingowy, Credit Agricole group): One of the oldest Polish lessors, owned by Credit Agricole. Comparable because it competes head-to-head for vehicle, machinery, and equipment leasing deals with the broker and is also a key platform partner.

Broad incumbents

• LeasePlan Poland: Global fleet leasing and operational leasing provider with Polish operations. Comparable because it operates in the same long-term vehicle rental and operational leasing space the broker places customers into, with a broader corporate fleet focus.
• ALD Automotive Poland: Global operational leasing and fleet management provider with Polish presence. Comparable for competing in long-term vehicle rental and operational leasing for SMEs and corporates, overlapping with the broker's long-term rental product line.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks1 record

Key highlights1 record

Customer concentration

• LinkedInlinkedin.com/company/raiffeisen-leasing-polska-s-a-

Revenue estimate

Valuation estimate

Number of profiles

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 Polska S.A.