Sgb Leasing Sp Z O O

What Sgb Leasing Sp Z O O does

SGB Leasing Sp. z o.o. is a privately held Polish leasing company operating within the SGB Group (Spółdzielcza Grupa Bankowa), a cooperative banking association. Founded in 1994 and headquartered in Poznań, the company provides operational leasing, financial leasing, and lease-loan (pożyczka leasingowa) financing for passenger and commercial vehicles (including simplified-procedure products up to 3.5t and heavy transport), industrial machinery, agricultural equipment, medical equipment for doctors and dentists, and photovoltaic installations up to 50kW for businesses and farmers. Its primary customers are Polish SMEs, individual farmers (including those not formally registered as businesses), medical professionals, and transport/logistics companies, most of whom are reached indirectly through the 113 SGB Cooperative Banks that act as distribution partners across Poland, supplemented by regional leasing advisors (Doradcy Leasingowi), an electronic customer portal, and an online leasing calculator. The company monetizes through lease installments (interest and fees), loan interest and commissions, and negotiated commissions on bundled insurance packages sourced via partnerships with PZU, ERGO Hestia, Allianz, and Defend/Lloyd's (GAP). Reported scale signals include approximately 30,000 lease contracts signed, over PLN 1 billion in cumulative customer financing, and a record sales year in 2025, which was financed in part by a PLN 200M credit consortium in March 2025 and a subsequent PLN 300M consortium in 2025-2026 — the largest credit consortium in the history of the SGB Association. The technology stack is conventional rather than AI-led: an electronic customer portal, a leasing calculator, integrations with Polish credit bureaus (BIK, BIG, KRD) for simplified credit decisions, and standard analytics tooling (Google Analytics, Google Search Console), with no disclosed AI/ML capabilities, proprietary models, or research output.

Name

Sgb Leasing Sp Z O O

Legal name

SGB Leasing Spółka z ograniczoną odpowiedzialnością

Website

https://sgbleasing.pl

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

SGB Leasing Sp. z o.o. is a Polish cooperative-banking-affiliated lessor providing operational and financial leasing plus lease-loan products for vehicles, industrial and agricultural machinery, medical equipment, and photovoltaic installations. It serves Polish SMEs, farmers, medical professionals, and transport companies, distributed exclusively through 113 SGB Cooperative Banks.

Ownership category

akta.pro rank

Product category

Equipment Leasing

NAICS

Automotive Equipment Rental and Leasing (5321), Passenger Car Leasing (532112), Other Commercial and Industrial Machinery and Equipment Rental and Leasing (53249)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

SME & Small Business Vehicle Leasing (TLABAAAB)

akta.pro secondary industries

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA), Long-Term Car Rental (Monthly/Extended Hire) (TLABAAAD), Leasing & Lease Buyout Financing (FSAKADAC), Auto & Vehicle Leasing (Personal Use) (FSAKANAA)

Keywords

• Equipment leasing services
• Vehicle leasing
• Agricultural financing
• Cooperative banking
• Asset financing

Headquarters

HQ city

Poznan

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing Operations: SGB Leasing generates revenue through operational and financial leasing of vehicles (passenger, delivery, heavy transport), machinery (industrial and agricultural), medical equipment, and photovoltaic installations. Revenue is derived from lease installments, including interest and fees, with VAT applied to installments in operational leasing.
2. Loan Products (Pożyczka): The company offers loan products including AGRO loans for farmers, medical loans for doctors, and loan financing for vehicles and equipment. Revenue is generated through interest payments and commissions.
3. Insurance Services: SGB Leasing offers bundled insurance packages including OC, AC, NNW, and Assistance through partnerships with PZU and ERGO Hestia. Additional GAP insurance is offered through Defend/Lloyd's. Insurance premiums contribute to revenue through negotiated commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

SGB Leasing Sp. z o.o. provides operational leasing, financial leasing, and loan financing for passenger and commercial vehicles, industrial and agricultural machinery, medical equipment, and photovoltaic installations. The company serves small and medium enterprises, farmers, medical professionals, and transport companies through the SGB Cooperative Bank network across Poland, with simplified procedures enabling fast approvals and flexible seasonal payment options.

Product overview

SGB Leasing Sp z o.o. is a Polish leasing company offering a comprehensive portfolio of financial products primarily serving the agricultural sector and small-to-medium enterprises through the cooperative banking network (Banki Spółdzielcze SGB). The product suite centers on three core financing types: leasing operacyjny (operational leasing), leasing finansowy (financial leasing), and pożyczka leasingowa (lease loan), supplemented by specialized vertical offerings including AGRO products for farmers, medical financing for doctors, and photovoltaic installation financing. The company also provides value-added services including an electronic Client Portal for 24/7 account management and insurance packages through partnerships with PZU, Hestia, and Allianz. The simplified procedure (procedura uproszczona) enables fast approvals with minimal documentation for passenger vehicles, delivery vehicles, and agricultural equipment.

Differentiator

Problem solved

Functional benefit

Products and services

• Passenger and Delivery Vehicles up to 3.5t - Simplified Procedure Simplified procedure leasing for passenger cars and delivery vehicles up to 3.5t, with minimal documentation requirements and fast approval process, available from 0% own contribution. Designed for small businesses and individuals seeking quick vehicle financing.
• Passenger and Delivery Vehicles up to 3.5t - Standard Standard leasing for passenger cars and delivery vehicles up to 3.5t with full documentation requirements and flexible financing terms for businesses and individual customers.
• Heavy Transport Vehicle Leasing Leasing for heavy transport vehicles including trucks, tractors, trailers, and semi-trailers for commercial transport and logistics companies, with full VAT deductibility for vehicles over 3.5t.
• Industrial Machinery and Equipment Financing Financing for industrial machinery and equipment including CNC machines, printing machines, food industry equipment, and construction machinery for manufacturing and industrial companies.
• Agricultural Machinery and Equipment Financing Financing for agricultural machinery including tractors, combines, seeders, sprayers, and other farm equipment for modern agriculture, with seasonal payment options up to 6 years.
• AGRO Loan for Farmers (Pożyczka AGRO) Loan product designed specifically for farmers who do not run a business, allowing immediate ownership of financed equipment. Designed for individual farmers without formal business operations.
• AGRO AUTO Vehicle Financing for Farmers Simplified financing for passenger and delivery vehicles for farmers under the AGRO AUTO program with favorable terms tailored to agricultural customers.
• Medical Equipment and Vehicle Financing (Finansowanie dla lekarzy) Specialized financing for medical equipment and vehicles for doctors, specialists, and dentists, including both leasing and loan products with flexible terms for non-VAT-payer medical professionals.
• Photovoltaic Installation Financing Financing for photovoltaic installations up to 50kW power capacity for businesses and farmers, with simplified procedures, own contribution from 5%, equal monthly installments, and financing period up to 7 years.
• Lease Loan (Pożyczka leasingowa) Hybrid financing combining elements of operational and financial leasing where the borrower becomes the owner of the asset immediately, particularly beneficial for EU subsidy applications and customers preferring immediate ownership.
• Client Portal (Portal Klienta) Electronic self-service portal for leaseholders providing 24/7 access to contracts, invoices, insurance policies, payment status, and online application submission.
• Leasing Calculator (Kalkulator leasingowy) Online calculator tool for estimating monthly lease payments based on product value, down payment, and financing period.
• Comprehensive Insurance Package (Pakiet ubezpieczeniowy) Comprehensive insurance packages including OC (third-party liability), AC (comprehensive), NNW (personal accident), Assistance, and property insurance offered through partnerships with PZU, ERGO Hestia, and Allianz.
• GAP Insurance (Ubezpieczenie GAP) Guaranteed Asset Protection insurance covering the difference between the lease/loan balance and the market value of the vehicle in case of total loss or theft, administered by Defend on behalf of Lloyd's.

Quantifiable outcome

• 30,000 signed lease agreements
• +2 more outcomes

Named customers5 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

Integration9 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• SGB Cooperative Banks (Banki Spółdzielcze SGB)coreChannel Partner/ Reseller/ DistributorNetwork of 113 cooperative banks operating under the SGB Group umbrella. These banks serve as the primary distribution channel for SGB Leasing products, promoting and selling leasing services to their existing retail and business customers across Poland.
• PZU SAcoreOthersPZU SA is one of the largest insurance companies in Poland. SGB Leasing offers bundled insurance packages including OC, AC, NNW, and Assistance through PZU. The partnership provides comprehensive vehicle insurance coverage as part of the leasing package.
• ERGO Hestia SAcoreOthersERGO Hestia SA provides insurance packages for SGB Leasing customers including vehicle insurance (OC, AC, NNW) and assistance services. Multi-year insurance packages are available through this partnership.
• Allianz Polska SAsupportingOthersAllianz provides property insurance for SGB Leasing customers, covering industrial machinery and equipment against all risks (All Risks coverage) including natural disasters, theft, and operational risks.
• Defend/Lloyd'ssupportingOthersDefend, operating as administrator for Lloyd's (the world's largest insurance institution present in 200 countries), provides GAP insurance products for SGB Leasing customers. GAP insurance protects against vehicle value depreciation in case of total loss or theft.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/sgb-leasing-sp-z-o-o

Compliance1 record

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 Sgb Leasing Sp Z O O