AMW Capital Leasing & Finance

What AMW Capital Leasing & Finance does

AMW Capital Leasing and Finance PLC is a Sri Lankan non-bank financial institution (NBFI) incorporated in 2006 and listed on the Diri Savi Board of the Colombo Stock Exchange since June 2011. The company operates under a Finance Business License issued by the Central Bank of Sri Lanka and is majority-owned through Associated Motorways (Private) Limited by the UAE-based Al-Futtaim Group, which acquired its parent in July 2008. It runs three core product lines: Fixed Deposits (terms of 1 to 60 months, with a minimum of Rs. 5,000 and deposit insurance coverage), Finance Leases (vehicle and equipment financing with claimed 3-5 hour approval), and Auto Loans (cash advances secured by vehicle pledges). An Easy Upgrade Plan, launched in September 2025, allows existing lease customers to upgrade vehicles without settling their current lease.

The company is a traditional, branch-led NBFI distributed through 20+ physical locations across Sri Lanka, including Colombo, Kandy, Galle, Kurunegala, Matara, and Anuradhapura. Revenue is generated primarily through interest spreads on its lease and loan portfolio funded by retail deposits, supplemented by processing fees and ancillary charges. Customers span individual savers, retail vehicle buyers, and commercial fleet operators — the website displays brand affiliations with more than 20 automotive OEMs (Maruti Suzuki, Nissan, Toyota, BMW, Mercedes, Audi, Honda, Yamaha, Piaggio, etc.), and the company claims market leadership in Maruti Suzuki vehicle financing and the highest share of Nissan Magnite leases in Sri Lanka. Fitch Ratings currently assigns BBB(lka) with a Negative Outlook, downgraded from AA- in 2021.

Its value proposition rests on three pillars: (1) speed of execution — finance lease decisions reportedly completed within 3-5 hours of document submission; (2) group-backed credibility from the 1949-founded Associated Motorways parent and the Al-Futtaim conglomerate; and (3) physical accessibility through the 20+ branch network. Operational governance is exercised by a board that includes Al-Futtaim and AMW Group executives alongside independent directors with banking, finance, and Big Four backgrounds, and the senior management team includes General Managers for Marketing, Credit & Operations, and Finance, plus dedicated Heads for Fixed Deposits, Recoveries, Compliance, Risk, IT, and Internal Audit.

Name

AMW Capital Leasing & Finance

Legal name

AMW Capital Leasing and Finance PLC

Website

https://capitalleasing.lk

Company type

Public

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

AMW Capital Leasing and Finance PLC is a Sri Lankan NBFI offering fixed deposits, vehicle finance leases, and auto loans through a 20+ branch network, serving individual consumers, retail vehicle buyers, and commercial fleet customers, backed by Associated Motorways and the Al-Futtaim Group.

Ownership category

akta.pro rank

Product category

Vehicle Leasing and Non-Bank Financial Services

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Commercial Banking (522110)

SIC

Finance Lessors (6172), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Equipment & Asset Finance (Leasing, Fleet, Capex) (FSABABAH)

akta.pro secondary industry

Commercial Trucking & Heavy Equipment Vehicle Finance (FSAKADAI)

Keywords

• Finance leasing services
• Fixed deposit savings
• Auto loan financing
• Non-bank financial services
• Vehicle leasing solutions

Headquarters

HQ city

Colombo

HQ country

Sri Lanka

HQ region

Asia

Offices22 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Fixed Deposits: Accepts public deposits under its Finance Business License, offering fixed deposit products with terms from 1 month to 60 months, generating interest income from lending activities.
2. Finance Leases: Provides structured finance leasing for vehicles and equipment for personal and commercial use. Revenue is generated through interest and fees on leasing arrangements. The company claims to complete financing arrangements within 3-5 hours of document submission.
3. Auto Loans: Offers quick cash loans against vehicle pledges, providing rapid access to working capital for individuals and businesses. Revenue generated through interest and processing fees on the loan portfolio.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

AMW Capital Leasing & Finance PLC is a Sri Lankan Non-Bank Financial Institution that provides finance leasing for new and used vehicles (personal and commercial), equipment leasing, auto loans, and fixed deposit investment products. The company is regulated under the Finance Business Act and offers its products through a 20+ branch network with rapid approval processes.

Product overview

AMW Capital Leasing and Finance PLC operates as a diversified financial services company offering three core products: Fixed Deposits for savings with terms from 1-60 months, Auto Loans for quick cash by pledging vehicles, and Finance Leases for vehicle and equipment financing. The company also offers an Easy Upgrade Plan as an add-on feature for lease customers, allowing vehicle upgrades without restarting the leasing process. The company was established in 2006, received Finance Company status in 2008, and is backed by Associated Motorways (Private) Limited and Al-Futtaim Group.

Differentiator

Problem solved

Functional benefit

Products and services

• Fixed Deposits
• Auto Loan
• Finance Leases

Quantifiable outcome

• Financial solution completion within 3–5 hours of document submission
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Associated Motorways (Private) LimitedcoreStrategic or Co-development PartnerParent company and pioneer in Sri Lanka's automobile sector since 1949. Provides the foundational trust, automotive industry expertise, and operational strength that underpins AMW Capital Leasing's financial services business. AMW Capital Leasing benefits from the brand heritage and dealer network of Associated Motorways.
• Banking Partners (Sri Lanka)minorChannel Partner/ Reseller/ DistributorNetwork of banking partners including Bank of Ceylon, Commercial Bank of Ceylon PLC, DFCC Bank PLC, Hatton National Bank, HSBC, National Development Bank PLC, Nations Trust Bank PLC, Pan Asia Banking Corporation PLC, Peoples' Bank, Sampath Bank PLC, and Union Bank of Colombo PLC. These are banking partners that facilitate financial transactions and services for AMW Capital Leasing customers.
• AMW (Associated Motorways)coreStrategic or Co-development PartnerAMW Capital Leasing serves as the official financial partner of AMW for vehicle financing. It handles the highest number of Nissan Magnite leases and is the market leader in financing Maruti Suzuki vehicles. The relationship enables AMW Capital Leasing to offer integrated automotive financial solutions alongside AMW's vehicle sales and after-sales services.

Scale indicators8 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• HNB Finance PLC: Subsidiary of Hatton National Bank providing leasing, hire purchase, and deposits. Comparable in product mix and customer base; benefits from commercial bank parentage.
• Central Finance PLC: Long-established Sri Lankan finance company specializing in vehicle hire purchase, leasing, and deposits. Directly comparable in customer segment (vehicle buyers) and product mix.
• Singer Finance (Sri Lanka) PLC: Listed NBFI offering consumer finance, leasing, vehicle financing, and deposits. Comparable in serving individual and SMB vehicle/equipment financing customers.
• Lanka ORIX Leasing Company PLC: Listed Sri Lankan NBFI focused on vehicle and equipment leasing, hire purchase, and deposits. Closest direct competitor in the vehicle/equipment leasing niche with similar branch-led distribution.
• Commercial Credit PLC: Sri Lankan NBFI focused on vehicle financing, leasing, and deposits. Comparable in product set and target customer segment.
• People's Leasing & Finance PLC: Largest listed NBFI in Sri Lanka offering leasing, hire purchase, fixed deposits, and microfinance. Directly comparable in product mix, deposit-taking license, and listed status, with overlapping branch distribution.
• Vallibel Finance PLC: Listed Sri Lankan NBFI offering leasing, hire purchase, and deposits. Comparable in product mix and CSE listing, similar mid-tier NBFI scale.
• Asia Asset Finance PLC: Sri Lankan NBFI offering leasing, hire purchase, microfinance, and deposits. Comparable in product mix and SME/individual customer focus.
• LOLC Finance PLC: Major Sri Lankan NBFI within the LOLC Group offering leasing, microfinance, and deposits. Comparable in scale, product diversification, and listed status on the CSE.

Broad incumbents

• Nations Trust Bank PLC: Sri Lankan commercial bank where AMW's Chairman previously served as EVP. Provides broader commercial banking services including vehicle financing; serves as both a historical talent pipeline and a competitive incumbent in the same customer market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 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 AMW Capital Leasing & Finance