Veloleasing S A
VeloLeasing S.A. is the Polish vehicle leasing subsidiary of VeloBank, providing operational leasing, business loans, insurance coordination, vehicle auctions, and EV subsidy financing for Polish SMEs, transport companies, car dealers, and individual entrepreneurs through regional sales directors, digital channels, and a nationwide dealer network.
- Company typePrivate
- Founded-
- HeadquartersWarszawa, Poland
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What Veloleasing S A does
VeloLeasing S.A. is a Polish vehicle leasing company headquartered in Warsaw that operates as the dedicated leasing brand of VeloBank, within the VeloBank Capital Group. The company provides operational leasing, business loans, insurance coordination, vehicle auctions, and factoring services to Polish SMEs, transport and logistics companies, car dealers, individual entrepreneurs (JDG), and retail consumers. It distributes through a hybrid model: 7 regional sales directors covering all Polish voivodeships, an online self-service application platform, a dedicated dealer channel offering commercial credit (STOK) and dealer loans, and cross-selling through VeloBank's branch network. Geographic footprint is exclusively domestic (Poland), with a registered capital of 19,270,000 PLN fully paid in.
The company's technology stack centers on a digital leasing platform with three notable components. First, a SelfQ qualified electronic signature (via Autenti partnership, announced June 2025) enables fully remote, 24/7 contract execution through selfie-based biometric verification using AI-powered OCR, facial matching, and fraud detection, compliant with ETSI 119 461 and eIDAS. Second, the VeloAuto product delivers automated leasing decisions within minutes for vehicles up to 150,000 PLN net value from authorized dealers. Third, VeloMarket and VeloMobility provide online marketplaces for vehicle financing and short-term rentals (via HertzPolska partnership). The company was an early mover in implementing simplified documentary form for lease agreements following Polish regulatory deregulation in July 2025.
VeloLeasing's revenue model combines recurring operational lease payments (subscription-style monthly billing over 24-72 months), one-time loan interest income (6-72 month terms), insurance referral fees via Marsh, and auction commissions from off-lease vehicle sales through FAMAT and Autoprzetarg portals. Pricing is quote-based with 0% minimum down payment on standard operational leasing and 5% on heavy transport, available in PLN and EUR. Specialized offerings include the NaszEauto program (government EV subsidies up to 40,000 PLN via NFOŚiGW) and VeloRent mobility rentals. The company is privately held, with no venture capital or external investor involvement disclosed.
Veloleasing S A firmographics
Firmographics- Name
- Veloleasing S A
- Legal name
- VeloLeasing S.A.
- Website
- https://veloleasing.pl
- Company type
- Private
- Operating status
- Operating
- Short description
- VeloLeasing S.A. is the Polish vehicle leasing subsidiary of VeloBank, providing operational leasing, business loans, insurance coordination, vehicle auctions, and EV subsidy financing for Polish SMEs, transport companies, car dealers, and individual entrepreneurs through regional sales directors, digital channels, and a nationwide dealer network.
- Ownership category
- akta.pro rank
Veloleasing S A industry classification
Industry- Product category
- Vehicle Leasing Services
- NAICS
- Automotive Equipment Rental and Leasing (5321), Passenger Car Leasing (532112)
- SIC
- Services-Auto Rental & Leasing (No Drivers) (7510), Finance Lessors (6172)
- akta.pro primary industry
- Leasing & Lease Buyout Financing (FSAKADAC)
- akta.pro secondary industries
- SME & Small Business Vehicle Leasing (TLABAAAB), Corporate/Enterprise Car Leasing (Closed-End/Open-End) (TLABAAAA), Car Carrier/Auto Transporter Trucks Leasing & Rental (TLABAEAI), Dealer/Manufacturer Captive Leasing Programs (OEM/Dealer Lease) (TLABAAAL)
Keywords
Where Veloleasing S A is headquartered
LocationHeadquarters
- HQ city
- Warszawa
- HQ country
- Poland
- HQ region
- Europe
Offices2 records
Markets served
Veloleasing S A business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Operational Leasing: Operational leasing for new and used vehicles including passenger cars, light commercial vehicles (up to 3.5t GVW), heavy vehicles (above 3.5t GVW), motorcycles, quads, and special vehicles. Revenue generated from lease payments including interest and fees.
- Business Loans: Loan products for financing new and used vehicles up to 3.5t GVW, motorcycles and quads. Period from 6 to 72 months.
- Insurance Services: Referral and facilitation of insurance products including AC/OC vehicle insurance, GAP insurance, life insurance, legal protection, and assistance through partners like Marsh.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Operational Leasing - Standard |
| Other | Monthly | VeloAuto Quick Leasing |
| Other | Monthly | Business Loan |
| Other | Monthly | Heavy Transport Financing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Veloleasing S A product offering
Product offeringCore offering
VeloLeasing S.A. is the leasing brand of VeloBank, providing operational leasing and business loan products for new and used vehicles (passenger, light commercial, heavy transport, motorcycles, quads, special vehicles) to Polish businesses and selected retail customers. The company offers automated quick-leasing decisions, EUR-denominated heavy transport financing, an electric vehicle subsidy program (NaszEauto), and supporting services including insurance coordination, claims management, and an online auction channel for post-leasing vehicles.
Product overview
VeloLeasing is the leasing brand of VeloBank, providing comprehensive business customer services with modern and flexible leasing solutions. The core offering consists of operational leasing (Leasing operacyjny) and convenient leasing (Wygodny Leasing) for vehicles, complemented by loan products (Pożyczka) for businesses. Specialized offerings include VeloAuto for automated small-value leasing decisions, heavy transport financing (Transport ciężki) with Euro currency options, and the NaszEauto program for electric vehicle subsidies. Supporting services include motor insurance coordination, damage/claims management, and vehicle auctions via partner portals. Digital platforms include the Customer Portal for account management, an online leasing application system, and VeloMobility for retail and business mobility solutions.
Differentiator
Problem solved
Functional benefit
Brands
- VeloAuto: Automatic leasing decision product for vehicles up to 150,000 PLN net value with simplified procedure.
- NaszEauto
- Transport Ciężki
Products and services
- Leasing operacyjny (Operational Leasing) Fast and flexible vehicle financing for businesses with simplified procedures and minimal formalities. Finances new and used vehicles including passenger, light commercial up to 3.5t, heavy commercial above 3.5t, motorcycles, quads, and special vehicles. Automatic leasing decision in minutes, first payment from 0%, financing period 24-72 months.
- Wygodny Leasing (Convenient Leasing) Streamlined leasing solution for company vehicles from day one of business activity. Features 0% minimum down payment, low installments on selected models, fully remote process. Includes optional Bezpieczny Pakiet (Secure Package) with GPS locator.
- Pożyczka (Business Loan) Fast and flexible access to financial resources for business needs as an alternative to leasing or bank credit. Finances new and used vehicles up to 3.5t GVW, motorcycles, and quads. Financing period 6-72 months with simplified procedures.
- VeloAuto Automated leasing decision product for vehicles up to 150,000 PLN net value. Simplified procedure for new and used passenger/terrain vehicles up to 5 years old from authorized dealers. Maximum financing period 60 months, down payment from 0%.
- NaszEauto Program Subsidy program for individual entrepreneurs for electric vehicle purchases. Provides up to 40,000 PLN in subsidies (30,000 PLN basic plus 10,000 PLN for scrapping old combustion vehicle) for new electric M1 category vehicles up to 225,000 PLN net. Funded by NFOŚiGW (National Fund for Environmental Protection).
- Transport ciężki (Heavy Transport Financing)
Quantifiable outcome
- Automatic leasing decision within minutes for vehicles up to 150,000 PLN net value
- +3 more outcomes
Companies that use Veloleasing S A
Customer profileSegments5 records
Ideal customer profiles5 records
Veloleasing S A technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature3 records
Veloleasing S A partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered supporting and core.
- GPW Benchmark S.A.supportingAdministrator of WIBOR reference rates used in VeloLeasing contracts. VeloLeasing applies WIBOR 3M as the reference rate in customer agreements per BMR regulations.
- HertzPolskasupportingCollaboration for VeloRent rental services offered through VeloMobility platform. Provides short-term vehicle rental options as part of the VeloLeasing product ecosystem for retail and business customers.
- AutenticorePartnership for qualified electronic signature via selfie using SelfQ by Infocert technology. Enables fully remote contract signing 24/7 without requiring bank accounts or additional apps. Complies with ETSI 119 461 and eIDAS regulations, using AI for identity verification.
- NFOŚiGW (National Fund for Environmental Protection and Water Management)supportingPartnership for the NaszEauto government subsidy program providing up to 40,000 PLN for electric vehicle leasing. VeloLeasing facilitates applications through the NFOŚiGW system for eligible sole proprietors.
- MarshsupportingInsurance partner providing support for vehicle insurance services. Marsh handles insurance matters for VeloLeasing customers including AC/OC policies and additional coverage.
- FAMAT AuctionssupportingAuction portal partner for selling off-lease vehicles. VeloLeasing redirects customers to FAMAT platform for purchasing repossessed vehicles.
- AutoprzetargsupportingAuction portal partner for selling off-lease vehicles. Second auction platform partner for purchasing repossessed vehicles from VeloLeasing.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
Veloleasing S A competitors and assessment
Company assessmentDirect peers
- mLeasing: Leasing arm of mBank, one of Poland's largest digital banks. Competes head-to-head in vehicle leasing for SMEs with strong digital onboarding — the closest digital-channel analog to VeloLeasing.
- Millennium Leasing: Leasing subsidiary of Bank Millennium in Poland, focused on SME and corporate vehicle and equipment leasing. Comparable in core product offerings, target segments, and Polish-market dealer relationships.
- PKO Leasing: Vehicle and equipment leasing subsidiary of PKO Bank Polski, the largest Polish bank. Directly comparable in offering operational leasing, business loans, and dealer financing across Poland with similar SME and corporate customer focus.
- Europejski Fundusz Leasingowy (EFL): One of the largest independent Polish leasing companies (part of Credit Agricole group), strong in SME vehicle and equipment leasing. Comparable in serving Polish SMEs and transport/logistics with operational leasing products.
- ING Lease (ING Commercial Finance Polska): Polish leasing subsidiary of ING Bank, offering operational leasing, hire purchase, and fleet services. Comparable in customer base (SMEs, corporates) and product breadth including transport/heavy vehicle financing.
- Santander Leasing: Polish leasing business of Santander Group, offering vehicle financing, fleet leasing, and equipment leasing. Comparable scale and product mix, with similar multi-channel (branch, dealer, digital) distribution.
- Pekao Leasing: Leasing subsidiary of Bank Pekao, providing vehicle and equipment leasing to Polish SMEs and corporates. Directly comparable in core operational leasing, vehicle loans, and dealer financing offerings.
- BNP Paribas Lease Group (Poland): Leasing arm of BNP Paribas in Poland, providing vehicle and equipment financing. Comparable in multi-segment coverage including transport, passenger cars, and dealer financing.
Broad incumbents
- LeasePlan Polska: Global fleet management and vehicle leasing major with a Polish entity. Comparable in operational leasing and fleet services, but broader portfolio across multiple European countries and larger corporate fleet focus.
- ALD Automotive Polska: International operational leasing and fleet management player (Société Générale group), present in Poland. Comparable in vehicle leasing business model but with global scale and broader mobility services portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Veloleasing S A compliance and trust
Trust signalCompliance2 records
Veloleasing S A financial estimates
Financial estimateRevenue estimate
Valuation estimate
Veloleasing S A leadership team
Management profileNumber of profiles
Profiles3 records
Veloleasing S A funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Veloleasing S A M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Veloleasing S A
What does Veloleasing S A do?
VeloLeasing S.A. is the leasing brand of VeloBank, providing operational leasing and business loan products for new and used vehicles (passenger, light commercial, heavy transport, motorcycles, quads, special vehicles) to Polish businesses and selected retail customers. The company offers automated quick-leasing decisions, EUR-denominated heavy transport financing, an electric vehicle subsidy program (NaszEauto), and supporting services including insurance coordination, claims management, and an online auction channel for post-leasing vehicles.
Is Veloleasing S A a public or private company?
Veloleasing S A is a private company. It is classified as corporate owned and is currently operating.
When was Veloleasing S A founded?
Veloleasing S A was founded in -1.
Where is Veloleasing S A based?
Veloleasing S A is headquartered in Warszawa, Poland, in the Europe region.
How does Veloleasing S A make money?
Three revenue lines are on record. Operational Leasing is the primary driver. The others are business Loans and insurance Services.
Who are Veloleasing S A's main competitors?
Direct peers on record are mLeasing, Millennium Leasing, PKO Leasing, Europejski Fundusz Leasingowy (EFL), ING Lease (ING Commercial Finance Polska), Santander Leasing, Pekao Leasing and BNP Paribas Lease Group (Poland). Broad incumbents are LeasePlan Polska and ALD Automotive Polska.
Does Veloleasing S A have an API?
No public API is recorded for Veloleasing S A.
What industry is Veloleasing S A in?
Veloleasing S A's product category is Vehicle Leasing Services. Its primary akta.pro industry code is FSAKADAC, Leasing & Lease Buyout Financing, with a secondary code of TLABAAAB, SME & Small Business Vehicle Leasing. Its NAICS code is 5321 and its SIC code is 7510.