BCC Leasing

What BCC Leasing does

BCC Leasing S.p.A. is an Italian leasing company headquartered in Rome (Via Lucrezia Romana 41/47) and a wholly-owned subsidiary of Gruppo Bancario Cooperativo Iccrea, one of Italy's largest cooperative banking groups, with Iccrea Banca S.p.A. serving as the central institution. The company distributes its leasing offerings exclusively through the network of Banche di Credito Cooperativo (BCC), whose branches cover a wide range of Italian municipalities, leveraging the cooperative banking model's deep penetration in local communities to originate leasing flow.

The product portfolio spans six core leasing lines: Leasing Immobiliare (commercial, industrial, professional real estate), Leasing Strumentale (machinery and equipment across machine tools, medical, forklifts, printing, construction), Leasing Targato (registered vehicles including light commercial, heavy industrial, trucks, trailers), Leasing Nautico (motorboats, sailing boats, yachts, catamarans), Leasing Strumentale Fotovoltaico (photovoltaic systems for self-production), and Leasing Pubblico (public entities and non-profits). The offering is complemented by hedging derivatives (Derivati di Copertura) for interest rate risk and bundled insurance products through partnerships with BCC Assicurazioni (asset insurance) and Allianz Trade (commercial credit insurance), plus facilitation of government incentives such as Nuova Sabatini and Fondo di Garanzia MCC.

Revenue mechanics are predominantly subscription-recurring (canoni/periodic leasing payments over contract duration) supplemented by transaction-fee commissions on insurance products sold alongside leases. The primary customer segment is Italian micro, small and medium enterprises (PMI), with secondary segments in public entities and private individuals (nautical). The company reports execution quality across 5 branches, holds three consecutive Leader della Sostenibilità recognitions from Il Sole 24 Ore/Statista (2021-2023), and benefits from a parent-group ESG Risk Rating of 13.7 (Low) from Morningstar Sustainalytics (2024). No proprietary technology, AI capabilities, or public pricing data are disclosed.

Name

BCC Leasing

Legal name

Bcc Leasing S.p.A.

Website

https://bccleasing.it

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

BCC Leasing S.p.A. is the wholly-owned leasing subsidiary of Gruppo BCC Iccrea, offering real estate, equipment, vehicle, nautical, photovoltaic, and public sector leasing — plus bundled insurance and hedging — to Italian SMEs through the cooperative banking branch network.

Ownership category

akta.pro rank

Product category

Commercial Leasing Services

NAICS

Passenger Car Leasing (532112), Automotive Equipment Rental and Leasing (5321)

SIC

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

akta.pro primary industry

Auto & Vehicle Leasing (Personal Use) (FSAKANAA)

akta.pro secondary industries

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA), Government & Public Sector Passenger Vehicle Leasing (TLABAAAJ)

Keywords

• Asset leasing services
• Equipment financing
• Vehicle leasing
• Real estate leasing
• Nautical leasing

Headquarters

HQ city

Roma

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing Operations: BCC Leasing generates revenue through various types of leasing contracts including instrumental leasing, real estate leasing, vehicle leasing (Leasing Targato), nautical leasing, photovoltaic instrumental leasing, and public leasing. Revenue is generated through leasing fees and canoni (periodic payments) paid by customers over the duration of the contracts.
2. Insurance Products: BCC Leasing offers insurance products through partnerships with BCC Assicurazioni and Allianz Trade for credit insurance, generating commissions on insurance policies sold alongside leasing contracts.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

BCC Leasing S.p.A. provides multi-asset-class leasing solutions to Italian micro, small, and medium enterprises, public entities, and private individuals. Its portfolio includes real estate leasing (Leasing Immobiliare), equipment leasing (Leasing Strumentale), vehicle leasing (Leasing Targato), nautical leasing (Leasing Nautico), photovoltaic equipment leasing (Leasing Strumentale Fotovoltaico), and public sector leasing (Leasing Pubblico), supplemented by hedging derivatives and insurance products distributed via BCC Assicurazioni and Allianz Trade.

Product overview

BCC Leasing is a leasing company operating within the Gruppo BCC Iccrea (Bancario Cooperativo Iccrea). The company offers a comprehensive portfolio of leasing products and services primarily targeting micro, small, and medium enterprises (SMEs) across Italy. The core offerings include five distinct leasing types: Leasing Immobiliare (real estate leasing), Leasing Strumentale (equipment leasing), Leasing Targato (vehicle leasing), Leasing Nautico (marine leasing), Leasing Strumentale Fotovoltaico (photovoltaic equipment leasing), and Leasing Pubblico (public sector leasing). The product suite is complemented by hedging derivatives (Derivati di Copertura) for interest rate risk management. Additionally, BCC Leasing distributes insurance products through BCC Assicurazioni, including Polizza Leasing Strumentale, Polizza Leasing Targato, Polizza Leasing Immobiliare, Polizza Immobiliare Replay, and Assicurazione Crediti Commerciali. The company also facilitates access to government incentive programs such as Nuova Sabatini and Fondo di Garanzia MCC. Products are distributed primarily through the extensive network of Banche di Credito Cooperativo (Cooperative Credit Banks) operating throughout Italy.

Differentiator

Problem solved

Functional benefit

Products and services

• Leasing Immobiliare (Real Estate Leasing) Financial solution for businesses to acquire new or renovated commercial, industrial, or professional real estate properties, including warehouses, artisan buildings, laboratories, commercial buildings, and offices, with support for both completed and under-construction properties.
• Leasing Strumentale (Equipment Leasing) Financial solution enabling companies to renew equipment, machinery, and spaces to foster business innovation and sustainability, covering sectors such as machine tools, medical equipment, forklifts, printing machines, and construction equipment.
• Leasing Targato (Vehicle Leasing) Financing solution for any registered vehicle, including light commercial vehicles and heavy industrial vehicles, trucks, trailers, or semi-trailers.
• Leasing Nautico (Nautical Leasing) Financial solution for businesses or private individuals to acquire recreational boats including motorboats, sailing boats, yachts, pleasure craft, and catamarans, including vessels under construction.
• Leasing Strumentale Fotovoltaico (Photovoltaic Equipment Leasing) Specialized leasing product for installing photovoltaic systems on buildings owned or leased with BCC Leasing, enabling energy self-production with tax advantages and flexible contract terms.
• Leasing Pubblico (Public Sector Leasing) Financial instrument for public entities such as local, regional, or national governments and non-profit organizations to acquire and use assets including vehicles, equipment, and real estate without direct purchase.
• Derivati di Copertura (Hedging Derivatives) Hedging derivatives providing businesses coverage from interest rate variation risk for the entire or partial duration of a leasing contract, available in different formulas with ESG investment approach.
• Polizza Leasing Strumentale - BCC Assicurazioni Insurance coverage for instrumental assets leased through leasing, offering Valore a Nuovo (new value), Valore Residuo (residual value), and Mini formula options with all-risk protection including fire, theft, and natural events.
• Polizza Leasing Targato - BCC Assicurazioni Insurance protection for vehicles leased through leasing, available in two formulas: Combination A with Kasko and Combination B without Kasko, covering fire, theft, vandalism, natural events, and windshield damage.
• Polizza Leasing Immobiliare - BCC Assicurazioni Insurance coverage for properties purchased through leasing, offering new-value compensation for material and direct damage to the insured property, including RCT for property and premises liability up to 3,500,000 euros.
• Polizza Immobiliare Replay - BCC Assicurazioni Insurance policy offering new-value compensation for material damage to property, including RCT for premises ownership and operation, with coverage for real estate up to 10,000,000 euros reconstruction value.
• Assicurazione Crediti Commerciali (Commercial Credit Insurance) Commercial credit insurance protecting businesses from non-payment risks, covering credits with maturity within 12 months to protect cash flow, with credit monitoring services through Allianz Trade partnership.
• Agevolazione Nuova Sabatini Government subsidy program for Italian SMEs to support investments in new machinery, plants, and technological equipment to improve production processes and competitiveness, with interest contribution on bank loans.
• Fondo di Garanzia MCC Guarantee fund managed by Medio Credito Centrale for Italian micro, small, and medium enterprises, providing partial guarantees on financing to facilitate credit access for investments and working capital.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• BCC AssicurazionicoreChannel Partner/ Reseller/ DistributorBCC Leasing offers insurance products for leased assets in partnership with BCC Assicurazioni. This includes instrumental leasing insurance (Polizza Leasing Strumentale), vehicle leasing insurance (Polizza Leasing Targato), real estate leasing insurance (Polizza Leasing Immobiliare), and real estate replay insurance (Polizza Immobiliare Replay). The partnership provides comprehensive coverage for all leased asset types.
• Allianz TradecoreChannel Partner/ Reseller/ DistributorBCC Leasing offers commercial credit insurance through Allianz Trade to protect businesses from non-payment by customers. This insurance covers commercial receivables with maturity within 12 months to protect cash flow generated by business activities.
• Gruppo BCC Iccrea (Parent Group)coreStrategic or Co-development PartnerBCC Leasing is a subsidiary of Gruppo Bancario Cooperativo Iccrea. The company operates within the group's cooperative banking model, leveraging the group's distribution network, shared services, and strategic direction. The group comprises Iccrea Banca S.p.A. as the central institution and numerous Banche di Credito Cooperativo.
• AgrileasingminorOthersAgrileasing is a dedicated product offering for farmers and cultivators to finance tractors, auxiliary machines, and processing equipment for agricultural production and transformation.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Grenke: German-listed specialist in small-ticket equipment leasing for SMEs across Europe, including Italy. Directly comparable to BCC Leasing's Leasing Strumentale business in serving SME equipment financing needs.
• Intesa Sanpaolo (Leasing): Intesa Sanpaolo's leasing operations target the same Italian SME and corporate segments across equipment, vehicle, and real estate leasing, leveraging a similarly large domestic branch network and offering parallel government incentive programs.
• UniCredit Leasing: Leasing arm of UniCredit, one of Italy's largest banking groups. Direct peer because it offers a comparable multi-asset leasing product suite (equipment, vehicle, real estate) to Italian SMEs through bank branch distribution.
• BNP Paribas Leasing Solutions: European leasing arm of BNP Paribas active in Italy, providing equipment and asset financing solutions to SMEs and corporates. Direct peer in the multi-asset SME leasing space, with broader geographic reach.
• Credemleasing: Credito Emiliano's leasing subsidiary focused on Italian SMEs and professionals, offering equipment, vehicle, and real estate leasing. Comparable as a domestic bank-affiliated leasing specialist serving a similar entrepreneurial customer base.
• Ayvens: Formed by the merger of ALD Automotive and LeasePlan, Ayvens is one of Europe's largest full-service vehicle leasing providers with material Italian operations. Direct peer for corporate vehicle leasing and fleet management.
• MPS Leasing & Factoring: Banca Monte dei Paschi di Siena's leasing subsidiary, providing Italian SMEs with vehicle, equipment, and real estate leasing through bank branches — closely comparable in scope, customer segment, and distribution model to BCC Leasing.
• Arval: BNP Paribas subsidiary specializing in full-service vehicle leasing and fleet management across Europe, including Italy. Comparable in vehicle leasing (Leasing Targato equivalent) and corporate fleet solutions for SMEs.

Broad incumbents

• Volkswagen Financial Services: OEM captive financing arm of Volkswagen Group providing vehicle leasing in Italy and Europe. Comparable as a large-scale vehicle leasing provider for SMEs and individuals, but operating as an OEM captive rather than an independent multi-asset lessor.
• Iccrea BancaImpresa: Central credit and corporate banking entity of Gruppo BCC Iccrea, BCC Leasing's parent group. Closely related as the group's SME corporate banking arm; overlaps with BCC Leasing's SME customer segment and shares the same cooperative banking distribution network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@GruppoBCCIccrea
• LinkedInlinkedin.com/company/bccleasing

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 BCC Leasing