NLB Lease&Go

What NLB Lease&Go does

NLB Lease&Go d.o.o. is a Slovenia-headquartered financial services company that provides financial and operational leasing of vehicles (passenger cars, trucks, commercial vehicles), vessels (motorboats, yachts, sailing boats, personal watercraft), and equipment/machinery (construction, agricultural, forestry, medical, printing). The company is the wholly-owned leasing arm of NLB d.d., the largest banking group in Southeast Europe, and serves both private individuals and legal entities (SMEs, sole proprietors, corporations) through three primary distribution channels: a fully online portal (including NLB Hitri lizing, marketed as the only fully online-approved leasing in Slovenia), NLB bank branches cross-selling leasing alongside banking products, and approximately 1,500 dealer/sales partner locations across Slovenia. Revenue is generated primarily through monthly installment payments on multi-year leasing contracts with a typical 20% down payment; financial leases transfer ownership at final installment while operational leases return the asset at term end. The company also intermediates vehicle insurance, operates consumer credit under the NLB Buy&Go brand at 250+ merchants, and runs the doberavto.si online vehicle marketplace through subsidiary NLB Car&Go.

Following the July 4, 2025 legal merger with Summit Leasing Slovenija, NLB Lease&Go holds approximately 35% of the Slovenian leasing market and serves over 100,000 customers via 8 business units. The group structure includes 100%-owned Mobil Leasing d.o.o. in Croatia and 51%-owned NLB Lease&Go entities in Serbia and North Macedonia, under a coordinated NLB Group regional expansion strategy. Pricing includes a fixed 4.99% interest rate for EV financing (with up to €7,200 in subsidies) and general rates tied to the 3-month Euribor. The company is regulated by Slovenian financial-supervisory frameworks, participates in the SISBON/SISBIZ credit registers, and is subject to Banking Association of Slovenia consumer-dispute procedures. Operations rely on automated credit-decision workflows (with human review on rejections) and a customer self-service portal at portal.slsi.si / mojportal.summit-leasing.si.

Name

NLB Lease&Go

Legal name

NLB Lease&Go d.o.o.

Website

https://nlbleasego.si

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

NLB Lease&Go is a Slovenia-based financial services company and wholly-owned leasing subsidiary of NLB d.d. that provides financial and operational leasing of vehicles, vessels, and equipment to individuals and businesses across Slovenia, Croatia, Serbia, and North Macedonia.

Ownership category

akta.pro rank

Product category

Vehicle and Equipment Leasing

NAICS

Passenger Car Leasing (532112), Automotive Equipment Rental and Leasing (5321), Passenger Car Rental and Leasing (53211)

SIC

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

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

akta.pro secondary industries

Auto & Vehicle Leasing (Personal Use) (FSAKANAA), Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC), Rent-to-Own (RTO) & Lease-to-Own Consumer Financing (FSAKAOAC)

Keywords

• Vehicle leasing services
• Commercial equipment leasing
• Consumer auto financing
• Financial leasing
• Insurance intermediation

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Vehicle and equipment leasing: NLB Lease&Go generates revenue through financial leasing and operational leasing of vehicles (personal vehicles, commercial vehicles, trucks), vessels, and equipment/machinery. Customers pay monthly installments over an agreed term, with ownership transferring upon final payment. The company also offers insurance intermediation for leased vehicles and consumer credit products under NLB Buy&Go.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

NLB Lease&Go is a Slovenian leasing company that finances passenger vehicles, commercial vehicles and trucks, boats and vessels, and equipment/machinery through financial and operational leasing for both individuals and legal entities. It also brokers vehicle insurance, offers fast online leasing approvals (NLB Hitri lizing), consumer credit via NLB Buy&Go, and an online vehicle marketplace through its NLB Car&Go subsidiary (doberavto.si). Customers repay via fixed monthly installments, with ownership transferring at the end of the term under financial leasing.

Product overview

NLB Lease&Go operates as a unified leasing platform offering a portfolio of financing products for both individuals and legal entities. The core offering spans vehicle leasing (passenger cars, trucks, commercial vehicles), vessel leasing, and equipment/machinery leasing — each available as either financial leasing (ownership transfers at final installment) or operational leasing (vehicle returned at end of term). Vehicle insurance brokerage is offered alongside all vehicle financing products. Key sub-brands include NLB Buy&Go (fast consumer credit at 250+ merchants), NLB Car&Go (vehicle marketplace at doberavto.si), and NLB Hitri lizing (fully online leasing approval). The company also provides an online customer portal for contract management and supports e-invoicing. The company is structured as NLB Lease&Go d.o.o. (Slovenia), with wholly-owned subsidiary Mobil Leasing d.o.o. (Croatia) and 51%-owned entities in Serbia and North Macedonia operating under the NLB Lease&Go brand.

Differentiator

Problem solved

Functional benefit

Brands

• NLB Hitri lizing: Quick online leasing approval for vehicles
• doberavto.si

Products and services

• Passenger Vehicle Leasing Financial and operational leasing of new and used passenger cars for individuals, with customizable down payment, monthly installments, and term; ownership transfers upon final payment under financial leasing.
• Vessel Leasing Financial and operational leasing of motorboats, motor yachts, sailing boats, and personal watercraft for individuals and legal entities.
• Equipment and Machinery Leasing Leasing of construction equipment, agricultural and forestry machinery, medical equipment, printing presses, and other equipment for businesses, sole proprietors, and organizations with terms of 12 to 60 months.
• Commercial Vehicle and Truck Leasing Financial and operational leasing of new and used light and heavy trucks, trailers, semi-trailers, buses, and tractors for legal entities and sole proprietors.
• Vehicle Insurance Brokerage Insurance intermediation service offering Mini and Maksi packages and tailored coverage for passenger vehicles, trucks, vessels, and business assets through partnerships with major Slovenian insurers.
• NLB Hitri lizing (Fast Online Leasing) Vehicle leasing product with fully online approval, accessible from home via a six-step digital application process with instant email decision; described as the only leasing product approved entirely online in Slovenia.
• Electric Vehicle Financing Specialized EV financing program offering a fixed 4.99% interest rate, subsidies up to €7,200 for individuals and businesses, a 40% tax relief on net investment for businesses in sustainable mobility over 5 years, and charging infrastructure subsidies.
• NLB Buy&Go Consumer Credit Fast consumer credit product enabling installment purchases at more than 250 merchants across Slovenia; branded under NLB Lease&Go and also carried by leasing entities in Serbia and North Macedonia.

Quantifiable outcome

• 35% market share in Slovenian leasing market (post-merger July 2025)
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability1 record

Partnerships

Nine partnerships are on record, tiered core and minor.

• Summit Leasing Slovenija d.o.o.coreStrategic or Co-development PartnerSummit Leasing Slovenija d.o.o. was legally merged into NLB Lease&Go d.o.o. on July 4, 2025, following a merger of the two companies. The combined entity operates under the NLB Lease&Go brand. Both companies had decades of experience in movable asset leasing prior to the merger.
• Mobil Leasing d.o.o. (Zagreb, Croatia)coreStrategic or Co-development Partner100% owned subsidiary of NLB Lease&Go. Operates in Croatia providing movable asset leasing services. Originally part of SLS HOLDCO before acquisition by NLB Lease&Go.
• NLB Car&Go d.o.o.minorStrategic or Co-development Partner100% owned subsidiary of NLB Lease&Go, established October 2024. Owns the online platform doberavto.si, dedicated to buying and selling vehicles. In February 2025, NLB Car&Go took over the doberavto.si platform from AMZS.
• NLB Lease&Go SerbiaminorStrategic or Co-development Partner51% owned subsidiary operating in Serbia under the NLB Lease&Go brand. Part of the regional expansion strategy of the NLB Group leasing business.
• NLB Lease&Go North MacedoniaminorStrategic or Co-development Partner51% owned subsidiary operating in North Macedonia under the NLB Lease&Go brand. Part of the regional expansion strategy of the NLB Group leasing business.
• NLB Buy&Go (nlbbuygo.si)minorStrategic or Co-development PartnerNLB Lease&Go holds the brand for NLB Buy&Go, a consumer credit product marketed at more than 250 merchants in Slovenia. Allows installment purchases at participating retailers.
• AMZS (Avto-moto zveza Slovenije)minorChannel Partner/ Reseller/ DistributorAMZS is a partner for vehicle registration services and the source of the doberavto.si platform takeover. NLB Car&Go (a subsidiary of NLB Lease&Go) acquired the doberavto.si platform from AMZS in February 2025. AMZS also serves as a preferred partner for vehicle registration changes following the 2025 merger.
• AVTO KRKAminorChannel Partner/ Reseller/ DistributorRecommended partner for vehicle registration changes following the July 2025 merger of NLB Lease&Go and Summit Leasing Slovenija. Offers streamlined registration change process with billing directly to NLB Lease&Go.
• Združenje bank Slovenije-GIZ (Banking Association of Slovenia)minorOthersNLB Lease&Go is subject to the out-of-court consumer dispute resolution procedures administered by the Banking Association of Slovenia's Reconciliation Council (Poravnalni svet), which handles consumer complaints against member financial institutions.

Scale indicators5 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• ALD Automotive: One of Europe's largest operational leasing and fleet management providers (Société Générale subsidiary); offers full-service vehicle leasing at scale and competes in the operational-lease segment that NLB Lease&Go also serves for business customers.
• Arval (BNP Paribas): BNP Paribas's full-service vehicle leasing and fleet management subsidiary; competes in Slovenia for operational-lease and corporate fleet business against NLB Lease&Go's commercial-vehicle offering.
• LeasePlan: Global fleet and vehicle leasing major; offers operational leasing, fleet management, and multi-country vehicle financing solutions across Europe including Slovenia — competing for the same business fleet customers.
• DLL (De Lage Landen): Global vendor finance and equipment-leasing major (Rabobank subsidiary); competes in CEE equipment and commercial-vehicle leasing against NLB Lease&Go's truck and machinery-leasing portfolio.
• Volkswagen Leasing (VW Financial Services): OEM-captive leasing provider for Volkswagen Group vehicles; competes in Slovenia for personal and commercial vehicle leasing, offering manufacturer-subsidized financing rates that challenge independent lessors like NLB Lease&Go.

Direct peers

• SKB Leasing (SKB Banka, part of OTP Group): Slovenian bank-affiliated leasing provider offering consumer and commercial vehicle leasing in direct competition with NLB Lease&Go; part of OTP Group, a large Hungarian banking group with similar bank-leasing cross-sell model.
• UniCredit Leasing Slovenia: Leasing subsidiary of UniCredit Banka Slovenija, providing consumer and commercial vehicle leasing; overlaps directly with NLB Lease&Go's product set and distribution through UniCredit's Slovenian branch network.
• BKS Leasing (BKS Bank Slovenija): Slovenian bank-affiliated leasing subsidiary of Austrian BKS Bank; offers vehicle and equipment leasing to consumers and businesses, directly competing with NLB Lease&Go for the same bank-distributed customer pool.
• Erste Leasing (Erste Group): Slovenian arm of Erste Group's leasing operations, providing vehicle and equipment leasing with similar bank-distribution model; competes for the same consumer and SMB customer base as NLB Lease&Go.

Regional players

• Raiffeisen Leasing Slovenia: Slovenian arm of Raiffeisen Bank International's leasing operations; offers consumer and commercial leasing products in the Slovenian market, overlapping with NLB Lease&Go's product portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/nlbleasegosi

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 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 NLB Lease&Go