Loans & leasing with down payment from 0%.
Get the industrial equipment you need without tying up your capital. We work with 4 financial partners to provide suitable payment terms, fast approval and simple documentation.
Minimum down payment
Obtain the equipment without an initial investment. Your capital remains available for operations.
Fixed payments
No unexpected changes. The monthly payment remains the same throughout the contract, allowing predictable financial planning.
Fast approval
The application is reviewed by our financial partners within a maximum of 48 business hours from submission.
Simple documentation
Short form, CUI, last 2 annual financial statements. We prepare the technical specifications and pro forma invoices.
From quote to
first payment in 4 steps.
You do not handle the financial paperwork. We do. You choose the equipment, we prepare the application, obtain approval and deliver turnkey.
From the Uzinex catalog or based on a custom quote prepared by our engineers.
We prepare the pro forma invoice and technical specifications. You complete the financial form (1 page).
The financial partner approves within 48h. You sign the leasing/loan agreement digitally or at the office.
The equipment is delivered, installed and commissioned by the Uzinex team. You make the first payment after 30 days.
Choose the financing structure
suitable for your investment.
Financial leasing
The equipment becomes your property at the end of the contract. Payments are tax-deductible, and VAT is fully recoverable. Suitable for long-term investments.
- Ownership at the end
- Recoverable VAT
- Fully deductible
Operational leasing
You use the equipment during the contract without purchasing it. At the end, you can extend the contract, return the equipment or purchase it at the residual value. Suitable for fixed-term projects.
- No purchase commitment
- Off-balance sheet
- Maximum flexibility
Equipment loan
Standard bank loan for equipment purchases. The equipment becomes your property from the first day, and the loan is repaid over 12-84 months with a fixed or variable interest rate.
- Immediate ownership
- Up to 84 months
- Competitive interest rate
We work with established financial partners
to obtain suitable financing terms.
- Administration fee: 1% of the contract value (minimum €50)
- Residual value: 5% of the initial price
- Fixed payment in EUR throughout the contract term
- Insurance included: 1.47% (IT assets) / 2.10% (other fixed assets)
- Fixed or variable interest rate, in EUR or RON
- Residual value: 1–20% negotiable
- Application review fee: 0.5–1% (negotiable based on volume)
- Mandatory CASCO insurance for mobile equipment
- Variable interest rate: EURIBOR + margin from 3.5%
- Grace period: up to 6 months
- The equipment becomes your property from the first day
- Option to refinance existing equipment
- Fixed interest rate for the first 2 years, then variable
- Flexible structures: leasing + mixed loan
- Application review fee: 0% for Uzinex customers
- Option for co-financing with European funds
- Financial leasing with a purchase option at the end
- Operational leasing with return or extension
- Fixed or variable payment in EUR or RON
- CASCO insurance included in the monthly payment
- Financing in EUR or RON with a competitive interest rate
- Financial and operational leasing for industrial equipment
- Sale and leaseback for existing equipment
- Structures tailored to terms of 12–60 months
- Portfolio of €933 million (2024), the largest in Romania
- 23% of the portfolio allocated to equipment and machinery
- Variable interest rate EURIBOR + negotiable margin
- Financing partner for EU co-financed projects
- Fast approval with minimal documentation
- Specialized in industrial machinery and production equipment
- Flexible payment structure (seasonality, grace period)
- Simplified process for customers with a good track record
- Financing in EUR and RON with a fixed interest rate throughout the term
- Negotiable residual value from 1%
- Administration fee included in the payment
- Option for early repayment without penalties
- Pure operational leasing, off-balance sheet, does not affect the balance sheet
- The monthly payment includes maintenance and insurance (optional)
- At the end: return, extension or purchase at residual value
- Largest operational leasing operator in Romania
About financing.
Yes, for refurbished equipment in the Uzinex portfolio, provided that the equipment is no more than 7 years old at the time of purchase.
Request a financing simulation
within 24 hours.
Tell us which equipment you are interested in and receive a complete simulation: monthly payment, down payment, contract term and total financing cost for all 3 options (financial leasing, operational leasing, loan).
Let's build your
next project together.
Contact our team and receive a personalized offer within a maximum of 24 working hours.
10 Poitiers Blvd, 700671 Iași, Romania