EFL S.A. Europejski Fundusz Leasingowy

Name

EFL S.A. Europejski Fundusz Leasingowy

Legal name

Europejski Fundusz Leasingowy S.A.

Website

https://leasinguj.com.pl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Commercial Leasing & Business Financing

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Commercial Air, Rail, and Water Transportation Equipment Rental and Leasing (532411)

SIC

Finance Lessors (6172)

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

akta.pro secondary industries

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE), Supply Chain Finance (Approved Payables / Reverse Factoring) (FSABAHAC)

Keywords

• Commercial leasing services
• Business loan products
• Vehicle fleet leasing
• Accounts receivable factoring
• Commercial insurance solutions

Headquarters

HQ city

Wrocław

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Leasing: Financial leasing services for equipment, vehicles, and machinery for businesses. Revenue generated through interest rates, processing fees, and contract terms.
2. Business Loans (Pożyczka): Loan products for businesses providing working capital and investment financing. Revenue from interest and origination fees.
3. Vehicle Rental (Wynajem pojazdów): Vehicle rental services for businesses. Revenue from rental fees.
4. Factoring (Faktoring): Factoring services for accounts receivable management. Revenue from factoring fees and commissions.
5. Insurance (Ubezpieczenia): Insurance products offered in partnership with insurance providers. Revenue from commissions.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

EFL S.A. Europejski Fundusz Leasingowy is a Polish financial services company that provides leasing, business loans (pożyczka), vehicle rental, factoring, and insurance products to businesses. The company operates through a nationwide network of authorized representatives—such as Sebastian Borkowski in Sosnowiec—who deliver personalized financial solutions and expert guidance to small and medium enterprises (firmy) seeking asset financing, working capital, and risk protection.

Product overview

EFL S.A. Europejski Fundusz Leasingowy is a financial services company offering a portfolio of business financing products. The core offering consists of leasing services for equipment and assets, business loans (pożyczka), vehicle rental (wynajem pojazdów), factoring services for accounts receivable management, and insurance products. These products are designed to support small and medium enterprises with their financial, operational, and asset management needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Leasing Financial leasing services for businesses, providing financing solutions for equipment, machinery, vehicles, and other assets through lease agreements. Designed for companies seeking to acquire productive assets without upfront capital outlay.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Raiffeisen Leasing Polska: Polish subsidiary of Raiffeisen Bank International offering leasing, loans, and fleet services to Polish businesses. Direct peer on product scope and SMB target market.
• ING Lease (Poland): Polish leasing entity of ING Group providing equipment and vehicle financing to Polish businesses. Direct peer serving the same SMB customer base with overlapping leasing products.
• Santander Leasing (Poland): Leasing business of Santander Bank Polska offering asset and vehicle financing to Polish SMBs. Comparable captive-lessor competitor with overlapping product suite.
• mLeasing: mBank group's captive lessor offering equipment, vehicle, and business financing to Polish SMBs. Directly comparable to EFL on product mix, target segment, and Polish market focus.
• PKO Leasing: Leasing arm of PKO BP, Poland's largest bank, providing equipment, vehicle, and IT leasing to SMBs and corporates. Closest direct competitor on scale and product breadth.
• Credit Agricole Leasing (Poland): Leasing arm of Credit Agricole Bank Polska offering equipment, vehicle, and technology leasing to Polish businesses. Direct captive-lessor competitor.
• BNP Paribas Leasing Solutions (Poland): Polish arm of BNP Paribas' equipment and vendor finance franchise, serving businesses with leasing and asset financing. Comparable European-bank-owned lessor peer.
• PEAC Solutions (Poland): Independent European equipment-finance and leasing company with a Polish franchise serving SMBs with leasing and loans. Comparable independent-leasing competitor profile to EFL.
• Millennium Leasing: Leasing subsidiary of Bank Millennium serving Polish SMBs and corporates with equipment and vehicle leasing. Direct Polish-market peer.

Emerging players

• PragmaGO (Pragma Faktoring): Polish fintech focused on online factoring and SMB working-capital financing, listed on the WSE. Comparable on EFL's factoring/invoice-financing line but a digital-first emerging challenger to traditional lessors.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/efl-s.a.-europejski-fundusz-leasingowy

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 EFL S.A. Europejski Fundusz Leasingowy