What OTP Leasing Ukraine does

OTP Leasing Ukraine (TOV "OTP LIZYNG") is a universal leasing company incorporated on June 9, 2008, operating as a wholly-owned subsidiary of Hungarian banking group OTP Group. The company provides financial leasing, operational leasing, and reverse leasing services for Ukrainian legal entities (TOV) and individual entrepreneurs (FOP), targeting a portfolio that includes passenger vehicles, agricultural machinery, trucks, railway wagons, and other equipment. With a portfolio of UAH 19 billion (~USD 460M), 10,000+ active assets, and 2,000+ customers, OTP Leasing positions itself as the #1 leasing company in Ukraine, supported by 18 years of operating history, 148 employees, and partnerships with 30+ major equipment manufacturers (John Deere, JCB, IVECO, Kuhn, Case IH, Fendt, Massey Ferguson, New Holland, and others).

The business model combines multi-channel origination (direct sales team, 100+ authorized dealer partners, online applications) with a layered pricing architecture that includes partner-subsidized rates (as low as 0.1% annually on agricultural equipment), general commercial rates (15.3%-23.3% on passenger vehicles), and government-supported programs (5-7-9% Accessible Financial Leasing, EU4Business-EBRD compensation up to 25%, cashback programs up to 10% on hybrid/electric vehicles). Revenue derives from interest charges, origination commissions (1-2.5%), insurance and registration fees packaged into lease payments, and used equipment sales from the company's secondary-market marketplace.

OTP Leasing holds a Financial Company License from the National Bank of Ukraine (effective February 2024) and has secured major institutional backing including a USD 70M capital injection from OTP Bank in 2012 and a EUR 50M joint financing facility with IFC under the Economic Resilience Action program in August 2025. The company's geographic scope is constrained by war-related restrictions excluding temporarily occupied territories, active combat zones, and certain oblasts (Zaporizhzhia, Kharkiv, Kherson, Mykolaiv, Luhansk, Donetsk), while expanding into ESG-aligned asset categories (electric vehicles, precision farming equipment) and underserved customer segments (war veterans, veteran-owned SMEs).

Name

OTP Leasing Ukraine

Legal name

TOV "OTP LIZYNG" (ТОВАРИСТВО З ОБМЕЖЕНОЮ ВІДПОВІДАЛЬНІСТЮ «ОТП ЛІЗИНГ»)

Website

https://otpleasing.com.ua

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

101–250 employees

Short description

OTP Leasing Ukraine is the self-described #1 universal leasing company in Ukraine, providing financial and operational leasing for vehicles, agricultural machinery, trucks, and railway wagons to 2,000+ SMEs and enterprises, backed by OTP Group and supported by EBRD/IFC government-subsidized programs.

Ownership category

akta.pro rank

Product category

Commercial Equipment Leasing

NAICS

Automotive Equipment Rental and Leasing (5321), Passenger Car Leasing (532112), Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Commercial Air, Rail, and Water Transportation Equipment Rental and Leasing (532411)

SIC

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

akta.pro primary industry

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA)

akta.pro secondary industries

Used Vehicle Leasing (Pre-Owned Lease Programs) (TLABAAAG), Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC)

Keywords

• Financial leasing services
• Agricultural machinery financing
• Commercial vehicle leasing
• Equipment leasing
• Operational leasing

Headquarters

HQ city

Petropavlivska Borshchahivka

HQ country

Ukraine

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financial Leasing Revenue: OTP Leasing earns revenue through financial leasing arrangements where the full value of equipment is paid over the lease term (minimum 1 year), with ownership transferring to the lessee at the end. Revenue comes from interest charges, origination fees, and commissions on lease agreements for vehicles, agricultural machinery, trucks, wagons, and other equipment. The company also finances insurance and registration costs included in lease payments.
2. Operational Leasing Revenue: Revenue from operational (operating) leases where the lease term is significantly shorter than the useful life of the asset. At the end of the lease term, the asset is returned or purchased at residual value. This model includes maintenance and service packages in the lease payment.
3. Used Equipment Sales: Direct sale of used vehicles and equipment from the company's own fleet, including a discount program (up to 15% for veteran support).
4. Cashback and Compensation Programs: Revenue is supplemented by cashback programs (up to 10% on hybrid/electric vehicles, up to 9% on agricultural equipment) funded in partnership with manufacturers and international financial institutions (IFC, EBRD).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

OTP Leasing Ukraine is a universal leasing company providing financial leasing, operational leasing, and reverse leasing for assets including passenger vehicles, agricultural machinery, commercial trucks, railway wagons, and other equipment. The company serves Ukrainian businesses (legal entities and individual entrepreneurs/ФОП) with down payments starting from 10-20%, terms up to 5 years, and flexible payment schedules including seasonal, classic, and annuity options. Revenue is generated through interest charges, origination fees, and commissions on lease agreements, with specialized programs including government-subsidized 5-7-9% leasing, EU4Business-EBRD compensation up to 25%, and cashback programs for hybrid/electric vehicles and agricultural equipment.

Product overview

OTP Leasing Ukraine is a universal leasing company providing financial and operational leasing services for assets including passenger vehicles, agricultural machinery, trucks, railway wagons, and other equipment. The company operates through its core financial leasing platform complemented by specialized programs including the government-supported 5-7-9% Accessible Financial Leasing program, cashback incentive programs (10% on hybrid/electric vehicles, up to 9% on agricultural equipment), EU4Business-EBRD compensation programs (up to 25%), and a veteran support initiative. The company also maintains a used equipment marketplace for secondary market transactions. Partnerships with major equipment manufacturers including John Deere, JCB, IVECO, KUHN, MAN, FENDT, Case IH, and others provide preferential financing terms across vehicle and machinery categories.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Leasing (Фінансовий лізинг) Core leasing product allowing businesses (legal entities and individual entrepreneurs/ФОП) to acquire vehicles, agricultural machinery, trucks, railway wagons, and other equipment with ownership transferring to the lessee after final payment. Clients pay down payment plus issuance commission upfront, with registration and insurance costs distributed evenly over the lease term (minimum 1 year).
• Operational Leasing (Оперативний лізинг) Lease term significantly shorter than useful life of the asset. After lease expiration, the object returns to the lessor or can be purchased at residual value. Includes maintenance and service packages in the lease payment, suitable for businesses that prefer to return equipment rather than take ownership.
• Passenger Vehicle Leasing (Лізинг легкового автотранспорту) Leasing of passenger vehicles for legal entities (ТОВ) and individual entrepreneurs (ФОП) with favorable partnership offers and flexible payment schedules. Covers new and used vehicles, with down payment from 10% of vehicle value and terms up to 5 years. Financing available in USD, EUR, and UAH.
• Agricultural Machinery Leasing (Лізинг с/г техніки) Leasing of agricultural machinery with partnerships with major brands including CNHi (Case IH, New Holland), CLAAS, Manitou, Fendt, Challenger, Massey Ferguson, John Deere, Lemken, Gaspardo, Kuhn, Versatile. Seasonal payment schedules available aligned with harvest cycles. One-time commission typically 1.5%, down payment from 20%, term up to 5 years.
• Truck Leasing (Лізинг вантажного автотранспорту) Leasing of cargo vehicles and commercial transport from leading manufacturers (IVECO, MAN), providing an effective instrument for financial optimization for transport and logistics companies. Available with partner-specific rates from 0.10% in foreign currency.
• Railway Wagon Leasing (Лізинг вагонів) Leasing of railway wagons for various business sectors, offering both financial and operational leasing options with rates from 17 UAH, 5.8% USD, 4.8% EUR. Lease term up to 5 years, down payment from 20%.
• Used Equipment Market (Маркет вживаної техніки) Marketplace for pre-owned agricultural, special, and passenger transport equipment available for purchase or leasing. Equipment undergoes technical inspection and service maintenance. Available through Telegram channels t.me/OTPLeasingMachinery and t.me/otpleasingukraine for real-time availability updates. Includes up to 15% discount program for veterans.
• Accessible Financial Leasing 5-7-9% (Доступний фінансовий лізинг 5-7-9%) State-supported financing program offering preferential rates of 5%, 7%, or 9% annual interest for small, medium, and micro enterprises. 5% rate for micro and small enterprises with annual revenue under €10M; 7% for medium enterprises with annual revenue €10-50M. Maximum financing amounts: UAH 60M (general), UAH 90M (agricultural producers), UAH 150M (manufacturing/processing industries). One-time commission: 1.5% of financing amount. Available in UAH only.
• Cashback 10% on Hybrid and Electric Vehicle Leasing (КЕШБЕК 10% на лізинг гібридних та електро автомобілів) Program offering up to 10% cashback on financing amount for leasing hybrid (HEV, MHEV, PHEV) and electric vehicles. Applies to all brands. Designed to incentivize business fleet renewal with environmentally friendly vehicles.
• Cashback up to 9% on Agricultural Machinery Leasing (КЕШБЕК до 9% на лізинг агро техніки) Cashback program for sprayers, trailing equipment (except plows), and refrigerated vehicles up to 9%; for tractors and combines with precision farming equipment (autopilot, yield mapping) up to 4.5%. Minimum financing: €15,000 EUR. Down payment from 20%. Minimum lease term: 2 years. Minimum 1 year of company operations required.
• EU4Business-EBRD Compensation up to 25% (Компенсація до 25%) EU4Business-EBRD credit line program providing up to 25% compensation on financing for commercial vehicles for legal entities and individual entrepreneurs, with maximum vehicle value of €75,000 without VAT. Base compensation 10%, with additional 15% for businesses war-affected, veteran-owned, or with veteran employees/customers (up to 25% total).
• Veteran Support Program (Програма підтримки ветеранів) Special program for Ukrainian war veterans and veteran-owned businesses including financing for new vehicles with up to 25% compensation through EBRD partnership, and discounts up to 15% on used equipment from company stock. Supports veteran reintegration into civilian life and veteran entrepreneurship.

Quantifiable outcome

• Down payment as low as 10% of vehicle value for passenger cars
• +7 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

16 partnerships are on record, tiered key, standard and core.

• JCB Finance (JCB)keyStrategic or Co-development PartnerPartner finance program for JCB equipment (excavator loaders and telescopic loaders). Financing rates from 0.3% in UAH. No one-time commission. Down payment from 20%. Repayment schedules: seasonal, classic, or annuity. Registration and insurance included in lease payments.
• John Deere (authorized dealers in Ukraine)keyStrategic or Co-development PartnerFull range of John Deere agricultural equipment available through authorized dealers: АГРІСТАР, АГРОСЕМ, АГРОСОЛАР, АГРОТЕК, ЛАНДТЕХ, РДО УКРАЇНА. Financing rates from 2.88% in UAH, from 1% in EUR. No one-time origination commission. Available for new equipment only.
• IVECO (authorized dealers in Ukraine)keyStrategic or Co-development PartnerIVECO trucks available through authorized dealers: АМАКО УКРАЇНА, СОЛЛІ ПЛЮС, ПЕГАС АВТОТРЕЙД, ОЛЕКС СО, ДНІПРОМОР. Financing rates from 10.60% in UAH, from 0.10% in EUR. Repayment schedules: seasonal, classic, or annuity.
• KUHN Group (authorized dealers in Ukraine)standardStrategic or Co-development PartnerKUHN agricultural equipment available through authorized dealers: ТЕХНОТОРГ, ТАЙТЕН МАШИНЕРІ УКРАЇНА, АБА АСТРА, ТЕХ-К, ЕРІДОН ТЕХ, ЦЕППЕЛІН УКРАЇНА. Financing rates from 0.10% in UAH and foreign currency. Down payment from 20%.
• FENDT (AGCO subsidiary, authorized dealers in Ukraine)standardStrategic or Co-development PartnerFendt tractors from 0.46% in UAH, combines from 1.00% in UAH or 1.20% in EUR. Authorized dealers: АГРІТЕХНІК, ЦЕППЕЛІН УКРАЇНА. One-time origination commission from 1.5%.
• Case IH (CNHi, authorized dealers in Ukraine)standardStrategic or Co-development PartnerCase IH equipment available through authorized dealers: ТК АГРОАЛЬЯНС, НФМ АГРО, ЄВРОПЕЙСЬКА АГРАРНА КОМПАНІЯ. Financing rates from 5.00% in UAH.
• MAN Truck & Bus (authorized dealers in Ukraine)standardStrategic or Co-development PartnerMAN truck tractors available through authorized dealers: АГРОПРОММОНТАЖ, АГРОТРАКСЕРВІС, АВАНТІ ГРУП, ВК-МОТОРС, ТЕХНОФОРУМ, ТРАНССЕРВІС, ТРАК СЕРВІС ЛЬВІВ, ВЕСТ ТРАКС, МАН УКРАЇНА. Financing rates from 9.00% in UAH, from 0.10% in foreign currency. One-time commission from 1.5%.
• Lemken (authorized dealers in Ukraine)standardStrategic or Co-development PartnerLemken agricultural equipment available through authorized dealers: АГРОТЕХСОЮЗ, КОМПАНІЯ ЛАН, ФІРМА КОНКОРД-ГЕЙ, ІНТЕРТЕХІНВЕСТ, А-ТЕРА, АГРОРЕСУРС.
• New Holland Agriculture (CNHi, authorized dealers in Ukraine)standardStrategic or Co-development PartnerNew Holland equipment available through authorized dealers: ПОЛЕТЕХНІКА, АГРОВІЖН, АГРОТЕРРА, АДЛЄР.
• Amazone (authorized dealers in Ukraine)standardStrategic or Co-development PartnerAmazone agricultural equipment available through authorized dealers: ДОЙЧЕ АГРАРТЕХНІК, КОНКОРД-ГЕЙ, АГРО ШЛЯХ, ЛАН, ТЕХНІК МАШИНЕРІ ІНТЕРНЕШЕНЕЛ, АГРОФІРМА ДОБРОБУТ, АГРОСТРУКТУРА, АДЛЄР.
• Massey Ferguson (AGCO, authorized dealers in Ukraine)standardStrategic or Co-development PartnerMassey Ferguson equipment available through authorized dealers: АМАКО УКРАЇНА, ВОЛИНСЬКА ФОНДОВА КОМПАНІЯ, КВІНТА АГРО.
• Manitou (authorized dealers in Ukraine)standardStrategic or Co-development PartnerManitou equipment available through authorized dealers: ВОЛЬТЕХ, АБА АСТРА. Financing rates from 3.00% in UAH.
• Maschio Gaspardo (authorized dealers in Ukraine)standardStrategic or Co-development PartnerMaschio Gaspardo equipment available through authorized dealers: АГРОРЕСУРС-А, НЕО АГРО, МІНЕТЕХ, ІН ФОРС ГРУП, АГРОСТРУКТУРА.
• Kramer (authorized dealers in Ukraine)standardStrategic or Co-development PartnerKramer equipment available through authorized dealers: АГРОСЕМ, АГРО СОЛАР, АГРІСТАР, РДО УКРАЇНА, АГРОТЕК. Financing rates from 4.00% in UAH, from 0.80% in foreign currency.
• Valtra (AGCO, authorized dealers in Ukraine)standardStrategic or Co-development PartnerValtra agricultural equipment available through authorized dealers in Ukraine.
• OTP GroupcoreOthersOTP Leasing is a member of OTP Group, an international banking and financial group headquartered in Hungary (OTP Bank). OTP Group provides capital backing, risk management support, and brand affiliation. The group has operations across Central and Eastern Europe.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ProCredit Bank Ukraine: German-affiliated development bank focused on Ukrainian SMEs, with active leasing operations. Targets a similar SME/business customer base as OTP Leasing, often in agricultural and manufacturing segments.
• ALFA-Bank Ukraine: Ukrainian subsidiary of ALFA Group, offering corporate banking and asset financing products. Competes with OTP Leasing for medium and large corporate leasing deals in transport and equipment.
• CREDIT AGRICOLE Ukraine: Ukrainian subsidiary of Crédit Agricole Group offering corporate banking and leasing. Competes with OTP Leasing for SME and ag-sector lease customers, with similar European parent backing.
• PrivatBank: Ukraine's largest bank by retail and SME deposit base, with a leasing arm serving business customers across vehicles and equipment. Represents one of the largest direct competitors to OTP Leasing in domestic SME leasing volume.
• TAS Group: Diversified Ukrainian financial-industrial group with banking, insurance, and leasing operations. Domestic Ukrainian peer competing in SME vehicle and equipment leasing.
• Raiffeisen Leasing Aval: Leasing subsidiary of Raiffeisen Bank Aval, one of the largest European-affiliated banks in Ukraine. Competes directly with OTP Leasing across auto, truck, and equipment leasing to Ukrainian SMEs and corporates.
• UniCredit Leasing Ukraine: Leasing arm of UniCredit Group in Ukraine. Directly competes with OTP Leasing in corporate and equipment leasing, backed by UniCredit's pan-European capital base.

Broad incumbents

• BNP Paribas Leasing Solutions: Global leasing arm of BNP Paribas with active operations across CEE and globally. Comparable business model (asset finance to SMEs and corporates) and indirect overlap with OTP Leasing through multinational vendor relationships.
• OTP Bank (Hungary): Parent banking group of OTP Leasing Ukraine and one of CEE's largest financial groups. Sets capital, risk, and product strategy for OTP Leasing and operates its own leasing activities in Hungary and other CEE markets.

Regional players

• KredoBank: Ukrainian bank with historical links to PKO Bank Polski (Poland), serving SMEs and agricultural clients with financing and lease products. Regional competitor for OTP Leasing's ag-sector and SME leasing book in western Ukraine.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/otpleasing.com.ua
• Instagraminstagram.com/otpleasingua
• LinkedInlinkedin.com/company/otp-leasing

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 OTP Leasing Ukraine