Ing Lease (polska)

What Ing Lease (polska) does

ING Lease (Polska) Sp. z o.o. is a Polish leasing company operating as a wholly-owned subsidiary of ING Bank Śląski S.A., itself part of the global ING Group banking conglomerate. Founded in 1996 and headquartered in Warsaw, the company provides leasing and financing for passenger vehicles, delivery vehicles up to 3.5 tonnes (including electric and hydrogen), trucks, machinery, equipment, and specialized assets. Customers include Polish businesses of all sizes, individual entrepreneurs, and local government entities (samorządy). The core product line is supplemented by bundled motor and property insurance, a damage-claims handling service ("ING Likwidacja szkód"), and an online post-lease resale marketplace for returned assets.

The business operates a digital-first origination model layered on top of ING Bank's distribution infrastructure. Customers can apply, calculate indicative pricing (PLN 20,000-6,000,000), receive an offer, and sign contracts entirely online via the ingleasing.pl website, with single sign-on access for joint banking customers through Moje ING (consumer/SMB) and ING Business (corporate) platforms. Post-origination, the EBOK (Portal Klienta) provides 24/7 access to contract information, electronic invoices (delivered via internal EDI and Poland's mandatory KSeF structured e-invoice system), insurance policies, and request submission. The technology platform is supported by AGS Systems Sp. z o.o. for EBOK infrastructure and electronic document transmission.

Revenue is generated through interest margins and transaction fees on leasing contracts, commissions on bundled insurance products, and fees for electronic document services. Pricing is quote-based and determined by individual assessment, with current promotional e-vouchers of 500-1,000 PLN tied to lease size thresholds to incentivize conversion. The company holds an internal subsidiary (SPC) for adjacent financing activity and is privately held — not listed on any exchange — with revenue figures not publicly disclosed.

Name

Ing Lease (polska)

Legal name

ING Leasing Sp. z o.o.

Website

https://inglease.pl

Company type

Private

Founded year

1996

Operating status

Operating

Short description

ING Lease (Polska) is a Polish leasing subsidiary of ING Bank Śląski offering digital-first vehicle, machinery, and equipment financing to businesses, entrepreneurs, and local governments across Poland, integrated with ING's banking platforms.

Ownership category

akta.pro rank

Product category

Equipment and Vehicle Leasing Services

NAICS

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

SIC

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

akta.pro primary industry

Leasing & Lease Buyout Financing (FSAKADAC)

akta.pro secondary industries

Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA), Consumer/Private Lease & Subscription (Personal Contract Hire) (TLABAAAC), Long-Term Car Rental (Monthly/Extended Hire) (TLABAAAD), Dealer/Manufacturer Captive Leasing Programs (OEM/Dealer Lease) (TLABAAAL)

Keywords

• Vehicle leasing services
• Equipment financing
• Machinery leasing
• Commercial vehicle leasing
• Lease insurance services

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Leasing Transactions: Core revenue from leasing agreements for vehicles (passenger, delivery, trucks), machinery, and equipment. Revenue generated through interest margins and transaction fees on lease contracts.
2. Insurance Services: Commissions from offering communication and property insurance packages bundled with leasing products.
3. Electronic Document Services: Fees for electronic invoice delivery and document management through EBOK portal.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

ING Leasing finances the acquisition of passenger and delivery vehicles (up to 3.5t), electric and hydrogen vehicles, trucks, machinery, equipment, and specialised assets, with online application, contract signing, and invoicing handled via its website and EBOK portal. The offering is complemented by bundled motor and property insurance, a damage claims service, and a resale channel for returned (post-lease) vehicles and equipment.

Product overview

ING Leasing is a Polish leasing company offering a unified platform for vehicle, machinery, and equipment financing. The core product is the Leasing service, supported by digital add-ons including the Leasinguj online platform for remote application processing, the Portal Klienta (EBOK) customer portal for contract and document management, an online leasing calculator, insurance packages, and a post-lease items marketplace. Customers can also access EBOK through integration with ING Bank's Moje ING and ING Business platforms, enabling a unified banking-leasing experience for joint customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Leasing for vehicles, machinery and equipment Core financing offering for passenger vehicles, delivery vehicles up to 3.5t (including electric and hydrogen), commercial trucks, machinery, equipment and specialised equipment, with indicative ticket sizes between PLN 20,000 and 6,000,000 (or EUR 5,000–1,000,000). Targeted at individual entrepreneurs, SMEs, corporations, and local government units in Poland.
• Ubezpieczenia (Insurance packages) Motor (communication) and property insurance packages offered to leasing customers, providing coverage for leased vehicles and equipment as an add-on service alongside lease contracts.
• Przedmioty poleasingowe (Post-lease assets) Online offering of passenger vehicles, delivery trucks, heavy trucks, machinery and equipment returned from completed leases, made available for resale by ING Leasing.
• ING Likwidacja szkód (Damage claim handling) Standalone claim handling service for insurance events affecting leased vehicles, accessible via phone lines 801 014 997 and (22) 123 07 77, enabling leasing customers to register and process damage claims linked to their lease contracts.

Quantifiable outcome

• Remote leasing available for vehicles, machinery and equipment

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• ING Bank Śląski S.A.coreStrategic or Co-development PartnerING Bank Śląski S.A. (Katowice, ul. Sokolska 34) is the parent company within the ING Group. ING Leasing operates as part of the ING ecosystem, with integrated customer access through ING Business and Moje ING banking platforms. The bank provides distribution reach and cross-selling opportunities for leasing products.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• mLeasing (mBank Group): Captive leasing arm of mBank, another major Polish bank. Competes head-to-head with ING Leasing on vehicle and equipment financing, with similar bank-integrated distribution and digital origination.
• Raiffeisen Leasing Polska: Polish leasing subsidiary of Raiffeisen Bank, offering vehicle, machinery, and equipment financing to SMEs and corporations across Poland.
• Santander Leasing (Poland): Polish leasing arm of Santander, providing vehicle and equipment leasing. Closely comparable bank-captive leasing model with similar customer segments in Poland.
• Europejski Fundusz Leasingowy (EFL): One of the largest leasing companies in Poland, offering vehicle, machinery, and equipment leasing to businesses and individuals. Directly comparable in product mix (cars, trucks, equipment) and target customer base across Poland.
• Millennium Leasing: Leasing subsidiary of Bank Millennium in Poland, providing vehicle and equipment financing to SMEs and individual entrepreneurs — overlapping customer segments with ING Leasing.
• BNP Paribas Leasing Solutions (Poland): Polish operations of BNP Paribas' leasing arm. Comparable in offering business-to-business equipment and vehicle financing across Poland with bank-group backing.
• Credit Agricole Leasing (Poland): Bank-affiliated leasing entity serving Polish businesses with vehicle and equipment leasing, comparable in distribution model and product scope.
• PKO Leasing: Leasing subsidiary of PKO Bank Polski, Poland's largest bank. Directly comparable as a bank-affiliated lessor offering vehicles, trucks, and equipment financing to Polish businesses and individuals.

Broad incumbents

• LeasePlan Poland: Global fleet management and vehicle leasing player with a Polish subsidiary. Operates in adjacent corporate fleet leasing and long-term rental space, offering broader scale and international fleet services.
• ALD Automotive | LeasePlan (Poland): International operational leasing and fleet management company active in Poland. Comparable in long-term corporate fleet leasing and EV transition services, though broader in scope than ING Leasing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ing-lease-polska

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 Ing Lease (polska)