{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Need a forklift, concrete mixer, excavator, production machine, loader or other business equipment to further expand your business? Then leasing is an interessnte solution for you on many levels.","robotInstruction":{"noFollow":true,"noIndex":true}},"flexZone":{"flexComponents":[{"body":"Lease more than you think.","bodyBold":"Need it? Lease it.","bodyThree":"In 11 minutes.","componentType":"promotionalBanner","date":{},"icon":{"extension":"svg","original":"https://assets.ing.com/asset/8e6e84cc-c21a-4d3e-b474-2bac1482c554/Circle-Box-lamp-3.svg","publishedAt":"2024-10-01T14:00:11Z","transformBaseUrl":"https://assets.ing.com/transform/8e6e84cc-c21a-4d3e-b474-2bac1482c554/Circle-Box-lamp-3","type":"image","updatedAt":"2024-10-01T14:02:54Z","width":64},"textLink":{"text":"Discover my options","url":"/en/business/financing/lease-more"}},{"componentType":"sectionTitle","title":"How does equipment leasing work?"},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"png","original":"https://assets.ing.com/m/77c6f319b311dd07/original/prod-ext-income-p.png","publishedAt":"2023-02-20T19:53:34Z","transformBaseUrl":"https://assets.ing.com/transform/9c2f0aef-bea2-43e0-ad42-b31768cc011f/prod-ext-income-p","type":"image","updatedAt":"2023-02-20T19:58:46Z","width":150},"items":[{"body":"At the end of the lease, you can choose to purchase the equipment, extend the lease, or propose a buyer to take over the asset. This flexibility lets you make the best financial decisions for your business.","title":"Flexible leasing period options"},{"body":"You can lease vehicles, construction equipment, industrial and agricultural machinery, IT equipment, and even entire production lines. ING Leasing offers equipment financing across a variety of industries.","title":"Wide range of equipment"},{"body":"With a finance lease (or financial leasing), you pay the maintenance, insurance, and other costs related to the asset, and these appear on your company balance sheet. You can then purchase the equipment at the end of the lease for a low residual value of 1-5%. With an operating lease (also known as operational leasing or off-balance sheet financing), costs related to the asset are kept off your company’s balance sheet, offering greater tax efficiency, but resulting in a higher residual value (16% or more) should you wish to purchase the equipment at the end of the leasing period.","title":"Finance lease vs. operating lease"}]},{"componentType":"sectionTitle","title":"Apply for your lease online in a few clicks!"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/091e7ab548c7fffd/original/Instant-Lease-Flow_EN.mp4","videoPreviewURLs":["https://assets.ing.com/asset/af445e22-0bf8-4359-b236-3970aabe37e9/480p/Instant-Lease-Flow_EN.mp4","https://assets.ing.com/asset/af445e22-0bf8-4359-b236-3970aabe37e9/720p/Instant-Lease-Flow_EN.mp4","https://assets.ing.com/asset/af445e22-0bf8-4359-b236-3970aabe37e9/1080p/Instant-Lease-Flow_EN.mp4","https://assets.ing.com/asset/af445e22-0bf8-4359-b236-3970aabe37e9/mp4/Instant-Lease-Flow_EN.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/091e7ab548c7fffd/mini-Instant-Lease-Flow_EN.jpg","webimage":"https://assets.ing.com/m/091e7ab548c7fffd/webimage-Instant-Lease-Flow_EN.jpg","thul":"https://assets.ing.com/m/091e7ab548c7fffd/thul-Instant-Lease-Flow_EN.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"How online leasing with ING feels"},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"svg","original":"https://assets.ing.com/m/5e1e22912052ffad/original/thumbs-up.svg","publishedAt":"2024-06-05T07:44:07Z","transformBaseUrl":"https://assets.ing.com/transform/81c18025-dbdf-4478-a50d-f1320a430b30/thumbs-up","type":"image","updatedAt":"2025-06-17T13:21:37Z","width":160},"items":[{"body":"“With ING Instant Lease, I feel empowered to move forward with confidence. I know the numbers, I know it’s approved, and I stay in control. That’s not just convenience, that’s trust.”","title":"BAUWHAUS BV"},{"body":"Companies that apply for their leasing online appreciate the process, rating it with a solid average score of 4.4 out of 5."}]},{"comparisonCardList":[{"cta":{"componentType":"cta","textLink":{"text":"Simulate your lease","url":"https://ebanking.ing.be/banking/instant-lease"}},"title":"Are you already an ING customer?","usps":[{"body":"If you're an existing ING customer and need new equipment, you can simulate your lease, create your contract, and sign it online – the fastest way to get the equipment you need.","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"Fill in the form","url":"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1"}},"title":"New customer? Or do you have multiple or specialized equipment needs?","usps":[{"body":"Not yet an ING customer? Or are you looking to lease multiple or specialised assets (new or second-hand)? You can fill in a form and submit your request online or call us on 02/464.64.03. Our advisors will provide you with a tailored offer.","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"Contact us","url":"https://www.ing.be/en/business/services/contact-us"}},"title":"Planning a bigger investment?","usps":[{"body":"For larger investment plans, a digital leased line offers a seamless solution. Contact us for more details on flexible financing options.","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"Are you already an ING customer?,New customer? Or do you have multiple or specialized equipment needs?,Planning a bigger investment?"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"<p>Thanks to business equipment leasing with ING you don’t need to pay anything upfront. ING covers the full purchase price of the equipment, including VAT. You can even finance transport and instalation costs. This allows you to keep your cash available for other business investments.</p>"},"title":"How does 100% financing work?"},{"richBody":{"value":"<p>By choosing the operating lease formula, your lease payments get an off-balance sheet treatment. In other words, they are treated as operating expenses rather than liabilities in your accounting. This reduces your tax base and helps improve your company’s financial ratios, making it easier to secure additional financing if needed.</p>"},"title":"How does leasing help optimise my balance sheet?"},{"richBody":{"value":"<p>Yes. Leasing equipment with ING provides a tax advantage because we pre-finance the VAT on your equipment purchase. Instead of paying VAT upfront, you can spread VAT payments over the leasing term, improving your cash flow and liquidity.</p>"},"title":"Is equipment leasing tax-efficient?"},{"richBody":{"value":"<p>With a traditional loan or line of credit (lending), ING simply provides financing to fund your purchase. You become the full owner of the asset, and you repay the debt to ING. Additional security or collateral may be required to secure the financing. With leasing, ING purchases the asset, and the leasing agreement serves as security for repayment.</p>"},"title":"What is the difference between leasing and lending?"},{"richBody":{"value":"<p>Yes! With a sale-leaseback option, you can sell your asset to ING Leasing and then lease it back, freeing up capital while continuing to use the equipment.</p>"},"title":"Can I lease an asset I already purchased?"},{"richBody":{"value":"<p>Apply online via Instant Lease. If your request indicates you aren’t eligible for Instant Lease, you’ll be guided to a structured intake form for further assessment.</p>"},"title":"How do I apply for a finance or operating lease?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Also interesting"},{"cards":[{"body":"Leasing through the ING Banking app combines speed, simplicity and personal support. It enables you to seize growth opportunities more quickly, without limiting your financial flexibility for other projects.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-07-03","image":{"extension":"svg","original":"https://assets.ing.com/asset/78a02a60-0fc8-424e-a668-c207aa4e6d0e/Women-support-mobile-phone.svg","publishedAt":"2026-08-26T19:10:09Z","transformBaseUrl":"https://assets.ing.com/transform/78a02a60-0fc8-424e-a668-c207aa4e6d0e/Women-support-mobile-phone","type":"image","updatedAt":"2026-08-26T19:10:40Z","width":160},"link":{"url":"/en/business/financing/leasing-through-the-ing-banking-app"},"title":"Leasing through the ING Banking app: quick to arrange, easy on your cash flow."},{"body":"Leasing is a strategic tool that helps businesses grow without disrupting their financial balance.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-07-03","image":{"extension":"png","original":"https://assets.ing.com/asset/50abc910-dfcd-49c1-9b46-bcf142717093/Isabelle-en-Xavier-Lease.png","publishedAt":"2026-06-19T13:49:23Z","transformBaseUrl":"https://assets.ing.com/transform/50abc910-dfcd-49c1-9b46-bcf142717093/Isabelle-en-Xavier-Lease","type":"image","updatedAt":"2026-06-19T13:55:45Z","width":862},"link":{"url":"/en/business/financing/using-leasing-smartly-for-strong-performance-and-sustainable-growth"},"title":"Using leasing smartly for strong performance and sustainable growth!"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"Illustratie van handen schudden ","extension":"svg","original":"https://assets.ing.com/m/604d2be10968e250/original/Homepage-Illustrations.svg","publishedAt":"2025-01-16T16:01:46Z","transformBaseUrl":"https://assets.ing.com/transform/51ac34ea-a3cb-4540-ac98-9ceab8becae1/Homepage-Illustrations","type":"image","updatedAt":"2025-03-25T09:47:21Z","width":0},"intro":"Grow your business with Partnership or Vendor Leasing!","link":{"url":"/en/business/financing/ingpartnership-and-vendor-leasing"},"title":"Become our Partner or Vendor"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Services or card"},{"componentType":"paragraph","richBody":{"value":"<p></p>"}},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","publishedAt":"2022-07-04T15:08:57Z","transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","updatedAt":"2022-07-04T15:11:00Z","width":32},"intro":"Find out about the steps you can take (PDF - FR)","link":{"url":"https://assets.ing.com/m/7f0b811c1059323d/KlachtenbehandelingINGLeaseFR.pdf"},"title":"Not 100% satisfied?"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/2c37db72d493776b/original/rocket.svg","publishedAt":"2024-01-19T15:32:13Z","transformBaseUrl":"https://assets.ing.com/transform/55c915e4-ea60-4528-9418-e5cb08da24fa/rocket","type":"image","updatedAt":"2024-01-19T15:40:43Z","width":160},"intro":"Discover how ING’s experts and services can support your business at every step.","link":{"url":"/en/business/starters"},"title":"Starting a new business?"}],"componentType":"cards"}]},"hasMacro":false,"id":"5c030446-03d9-4b1f-a457-7178dc54090b","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal mentions"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"text":"Processing of your personal data and professional discretion","url":"https://assets.ing.com/asset/dd87b07d-2755-44fd-8497-3b40223cd2bb/Protection-of-personal-data-Lease-ENG.pdf"},{"text":"Or directly - Personal data protection statement for ING Lease Belgium NV/SA and its subsidiaries.","url":"https://assets.ing.com/asset/da0ced73-4733-4d65-9272-df62af62ca0e/Privacy-Statement-Lease-Comfin-ENG.pdf"}]}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Financing","url":"/en/business/financing"}},"componentType":"productHeader","coreHeader":{"body":"Looking to grow your business with new or additional equipment? Do you need a forklift, concrete mixer, excavator or loader but you don’t want to stifle your cash flow? With business equipment leasing, you can lease the equipment or machinery you need and free up your capital for other expenses. We purchase the equipment from your chosen supplier, and you repay us in fixed, periodic instalments. At the end of the leasing period, you have the option to purchase the equipment.\r\n\r\nBusiness Equipment Leasing with ING is available for:\r\n- companies\r\n- self-employed professionals (doctors, lawyers, accountants, and others)\r\n- liberal professions and public institutions","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/asset/ca787553-04df-4293-a2b7-c2123a4079da/Tractor-working-on-agricultural-field.jpg","publishedAt":"2022-05-26T14:32:27Z","transformBaseUrl":"https://assets.ing.com/transform/ca787553-04df-4293-a2b7-c2123a4079da/Tractor-working-on-agricultural-field","type":"image","updatedAt":"2023-12-21T20:43:54Z","width":5324},"subtitle":"Lease the machinery and equipment you need to help your business thrive.","title":"Business equipment leasing with ING"},"cta":{"componentType":"cta","textLink":{"text":"Get started with equipment leasing","url":"https://ebanking.ing.be/banking/instant-lease"}},"secondaryCta":{"textLink":{"text":"Not yet a client? We help you here.","url":"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1"}},"usps":[{"body":"100% financing possible","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/1bafb13490a84e99/original/Business-finance_Outline_RGB.png","publishedAt":"2022-05-26T14:57:15Z","transformBaseUrl":"https://assets.ing.com/transform/f2d9f14c-eba5-4876-9990-9c0f871f2e00/Business-finance_Outline_RGB","type":"image","updatedAt":"2023-12-21T16:17:42Z","width":267}},{"body":"Optimise your balance sheet","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/34508ab508fe3858/original/Growth_chart_outline_orange_RGB.png","publishedAt":"2022-05-26T14:59:03Z","transformBaseUrl":"https://assets.ing.com/transform/ad8eaa28-f79b-4ef6-8d4e-a4a16e38c8f1/Growth_chart_outline_orange_RGB","type":"image","updatedAt":"2023-12-21T20:29:52Z","width":267}},{"body":"Tax-efficient financing","icon":{"extension":"png","original":"https://assets.ing.com/m/1cb0c4cc109bc825/original/Calculator_outline_orange_RGB.png","publishedAt":"2023-11-23T15:07:17Z","transformBaseUrl":"https://assets.ing.com/transform/cb036cd2-83af-411c-8268-790f7d7a08bf/Calculator_outline_orange_RGB","type":"image","updatedAt":"2023-12-21T16:00:29Z","width":267}}]},"publishDate":"2026-08-27T12:12:03.421+02:00"}}