Albis Leasing

What Albis Leasing does

ALBIS Leasing AG (ticker ALG, Frankfurt/Munich) is a Hamburg-headquartered, publicly listed German small-ticket leasing company founded in 1985/1986 with approximately 93 employees. The company provides equipment and asset financing to small businesses and Mittelstand companies, primarily through dealer and manufacturer partners across Germany, with average object values around €6,000. The core product set comprises Leasing (full and partial amortization with end-of-term options), Mietkauf (hire purchase with automatic ownership transfer), Miete-plus-Service (combined financing and dealer service), and Rahmenvertrag (annual framework credit lines). Bank- and manufacturer-independent positioning allows objective financing recommendations to be offered to a customer base of around 32,008 business clients and 60,445 active contracts, served across eight dedicated industry verticals (E-Bikes, Forestry/Garden, Gastronomy, Business Equipment, IT & Office, Warehouse Logistics, Machinery, and Workshop Equipment).

The technology backbone is the ALBIS Leasing Portal, a digital dealer-facing platform that enables paperless processing of applications, credit checks, and contract creation. The proprietary Blitzentscheidung feature guarantees a 20-minute credit decision for financing requests between €500 and €20,000. The e-commerce distribution layer includes plug-ins for Shopify, Magento, Shopware, and WooCommerce, an open API for custom-built shops, and the ALBIS LeaseKit universal integration package. The company is a listed holding with three wholly-owned operating subsidiaries (ALBIS HiTec Leasing, ALBIS Fullservice Leasing, ALBIS Service) and operates exclusively in Germany.

Revenue is generated primarily through interest spreads and fees on leasing contracts, with FY2025 revenue of approximately $30.1M, new business volume of €105.6M (+4% YoY), a new business margin of 19.0%, and a pre-tax result of €5.7M at the upper end of guidance. The company was taken over in December 2024 via a voluntary public offer by Rolf Hauschildt, secured a refinancing line with NORD/LB in September 2025, and pays a €0.10 per share dividend (3.4% yield). Go-to-market operates through dealer and manufacturer partners, a direct digital portal, e-commerce integrations, and a dedicated inside/field sales team covering all of Germany from the Hamburg headquarters.

Name

Albis Leasing

Legal name

ALBIS Leasing AG

Website

https://albis-leasing.de

Company type

Public

Founded year

1985

Operating status

Operating

Headcount range

101–250 employees

Short description

ALBIS Leasing AG is a Hamburg-based German public leasing company specializing in small-ticket equipment financing (average object value ~€6,000) for small and medium-sized businesses, distributed through dealer, manufacturer, and e-commerce partner channels nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing Contracts: ALBIS provides leasing financing for business equipment and assets. The company purchases the asset and leases it to the customer for a fixed period with monthly payments. Revenue comes from interest spread and fees. The company specializes in small-ticket leasing with average object values around €6,000.
2. Hire Purchase (Mietkauf): Financing solution where customers acquire ownership through installment payments. VAT is due upfront on all installments. The customer becomes economic owner from the start and depreciates the asset.
3. Rental-plus-Service (Miete-plus-Service): Combined financing and service model where monthly rent includes both the financing component and service/maintenance from the dealer. ALBIS collects payments and remits dealer's service portion.
4. Master Agreement (Rahmenvertrag): Annual framework contract allowing customers to finance multiple acquisitions up to a credit limit. Customers can flexibly draw amounts as needed at agreed conditions.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

ALBIS Leasing AG is a publicly listed German specialist lessor that finances small-ticket business equipment (average object value ~€6,000) for small businesses and the Mittelstand. Its core offerings are Leasing (full or partial amortization), Mietkauf (hire purchase with ownership transfer), Miete-plus-Service (combined financing and dealer service) and Rahmenvertrag (annual framework credit lines). Products are distributed primarily through a nationwide dealer and manufacturer channel, supported by a digital dealer portal and a 20-minute automated credit decision (Blitzentscheidung) for transactions between €500 and €20,000.

Product overview

ALBIS Leasing offers a suite of small-ticket financing solutions primarily for small and medium-sized businesses in Germany, centered on the core products Leasing (full and partial amortization), Mietkauf (hire purchase), Miete-plus-Service (combined financing and service), and Rahmenvertrag (annual framework agreement). These core products are supported by a digital dealer-facing platform — the ALBIS Leasing Portal — and the Blitzentscheidung feature providing guaranteed 20-minute credit decisions for transactions between 500 and 20,000 euros. For e-commerce, ALBIS provides plug-ins for major shop systems (Shopify, Magento, Shopware, WooCommerce), an API interface for custom-built shops, and the LeaseKit package as a universal integration layer. A specialized E-Bike & Dienstrad-Leasing offering targets company bike fleets. The portfolio is bank- and manufacturer-independent, focused on the small ticket segment with an average object value of approximately 6,000 euros.

Differentiator

Problem solved

Functional benefit

Brands

• ALBIS Leasing Portal: Digital dealer portal for online processing of leasing contracts
• ALBIS Dienstrad Portal
• Blitzentscheidung
• ALBIS LeaseKit
• Miete-plus-Service

Products and services

• Leasing Core small-ticket leasing product enabling businesses to use equipment and assets via monthly leasing rates over a defined term, with options for full or partial amortization and end-of-term choices (return the asset, extend the contract, or purchase it at an agreed residual value). Targeted at German small businesses and Mittelstand companies via the dealer network, with financing starting from €500 object value.
• Mietkauf (Hire Purchase) Fixed-term installment financing at predictable rates with automatic ownership transfer to the buyer at the end of the contract; VAT is due upfront on all contractual installments and the customer becomes economic owner from the start and depreciates the asset. Designed for German SMEs that want eventual ownership of the financed object.
• Miete-plus-Service (Rental-plus-Service) Combined financing and service product bundling equipment financing with additional services (e.g., maintenance, consumables delivery) from the dealer of choice, all collected in a single monthly rate; ALBIS collects the combined payment and remits the dealer's service portion. Aimed at dealers who want to offer bundled financing-plus-service packages to their end customers to drive retention and higher investment volumes.
• Rahmenvertrag (Framework Agreement) Annual framework contract providing customers with a pre-approved credit limit enabling them to finance multiple acquisitions throughout the year at agreed conditions, flexibly drawing amounts as needed across leasing, hire purchase or rental-plus-service structures. Designed for SME customers with repeated equipment financing needs.
• E-Commerce Solutions (Plug-ins, API and LeaseKit) Suite of integration products enabling online shops to offer ALBIS leasing as a payment method: pre-built plug-ins for popular German shop systems (Shopify, Magento, Shopware, WooCommerce), an API interface description for self-programmed shops, and the ALBIS LeaseKit package for platforms without a dedicated plug-in. Targeted at online retailers and digital channel partners selling equipment and goods to business end customers.
• E-Bike & Dienstrad-Leasing Specialized leasing and framework-contract financing for company bicycles and e-bikes (Diensträder/Pedelecs), including salary-conversion (Gehaltsumwandlung) tax-advantage schemes for employees, supported by a dedicated ALBIS Dienstrad Portal and distributed via specialized E-Bike intermediaries. Offers up to ~40% tax savings and up to ~20% savings versus private purchase.

Quantifiable outcome

• Credit decisions within 20 minutes for small-ticket financing (€500-€20,000)
• +5 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

One partnership is on record.

• Technology Partner for LeaseKitstrategicTechnology or IntegrationALBIS develops its LeaseKit e-commerce solution in cooperation with a technology partner. This collaboration enables integration of leasing as a payment method across various webshop platforms beyond the standard plugin offerings.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Grenke AG: Listed German leasing company specializing in IT and SME equipment leasing through a partner/dealer channel. Closest direct comparable to Albis by business model, SME focus, and dealer distribution model.
• abcfinance GmbH: German SME equipment financing provider offering leasing, hire-purchase and rental-plus-service products — closely mirroring Albis's product mix and Mittelstand target customer base.
• BFL Leasing GmbH: German SME leasing company where Albis CEO Sascha Lerchl was previously Managing Director. Comparable product offering, customer segment, and small-ticket focus with similar dealer-distribution channels.
• S-Kreditpartner GmbH: Sparkassen-affiliated German SME financing specialist offering leasing and equipment financing. Comparable SME target market and complementary distribution through the German savings-bank network.
• CHG-Meridian AG: Major German/European technology and IT leasing company with a multi-country footprint. Overlaps with Albis on IT equipment leasing but operates at larger scale and broader geography.

Broad incumbents

• BNP Paribas Leasing Solutions: Major European lessor with a German footprint covering SME and corporate equipment leasing. Comparable product set but operates pan-European with much larger scale and balance sheet.
• Deutsche Leasing AG: One of Germany's largest leasing companies, part of the Sparkassen-Finanzgruppe. Overlaps with Albis on SME equipment leasing but operates at significantly larger scale with broader asset classes and international presence.
• Siemens Financial Services: Vendor-affiliated captive financing arm of Siemens, including Siemens Finance & Leasing. Overlaps on equipment leasing but is manufacturer-captive, in contrast to Albis's bank- and manufacturer-independent positioning.
• Helaba Lease & Finance: Bank-affiliated German leasing subsidiary of Helaba Landesbank Hessen-Thüringen. Provides SME and corporate leasing solutions, sharing customer overlap with Albis but at much larger scale and through bank-driven origination.

Emerging players

• Jobrad GmbH: German specialist in Dienstrad (company bicycle) leasing — directly overlapping with Albis's E-Bike & Dienstrad segment. Smaller scale and more focused product scope, but a specialist competitor in a high-growth niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

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Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 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 Albis Leasing