In-House Financing

Flexible solutions. Higher profits.

With our specialist knowledge of risk and residual values in the transport industry, we understand how the numbers affect your business. That’s why we can recommend the right financial products for you - optimised for the tax and legal environment of your country.

Take your business further

Scania offers flexible financing to suit your business plan and budget – whether you’re buying just one vehicle or expanding your entire fleet.

Facts

You are the owner of the vehicle. You pay lease instalments for an agreed duration and plan, and at the end of the leasing period you have the option to buy the vehicle, often at a very favourable residual value. You take responsibility for maintenance, taxes and insurance during the leasing period.

Benefits

• You only pay interest on the outstanding value

• Potential tax and VAT benefits

• Trade-in value – you profit from careful maintenance and use

• Vehicle appears as an asset on the balance sheet

• Other Scania services can be integrated

Facts

Scania Financial Services is the owner of the vehicle. You pay for the use of it with a fixed lease amount paid per month, returning the vehicle when the contract expires. An operating lease is often combined with a service contract. You take responsibility for maintenance, taxes, and insurance during the lease period.

Benefits

• No residual value risk

• Predictable cash flow and cash flow benefits due to fixed monthly cost

• Monthly payment paid out of operating income and offset against taxable profits

• Off-balance sheet financing

• Other Scania services can be integrated

Facts

Under a Scania Loan Agreement, you own the vehicle from day one. Using the vehicle as security, you take out a loan and pay it off in instalments. The loan is reimbursed through an agreed payment plan and duration. Tax depreciation is on your own books, and you only pay interest on the outstanding value.

Benefits

• Tax depreciation on customer's own books

• Trade-in value – you can profit from careful maintenance and use

• You only pay interest on the outstanding value

• Other Scania services can be integrated

“In business, value for money is everything, particularly when it comes to insurance. And that is certainly what you get at Scania."