Hire purchase without a bank

Rent-to-own without a bank: Financial freedom and economic advantage

Hire purchase

From classic rental purchase to option purchase

Rental purchase enables you to finance necessary investments in your company. The rent-to-own model allows you to protect your credit limit. You can also take advantage of depreciation options.

Your advantages when renting

Immediate beneficial ownership: Through rental purchase you become the immediate beneficial owner, which means the property appears directly in the fixed assets of your balance sheet.Flexible contract term: The rental agreement term can cover up to 100% of the useful life, which offers you remarkable temporal flexibility.Tax advantages: As a beneficial owner You can use special depreciation and dissolve investment deductions, thereby optimizing your tax options.VAT efficiency: The required sales tax is paid at the start of the contract, and if the requirements are met, it can be claimed in full.Automatic transfer of ownership: At the end of the contract term, legal ownership passes automatically to you, without additional bureaucratic hurdles.Liquidity protection and calculable costs: Your liquidity is protected in the best possible way, as the costs are distributed in constant monthly installments over the contract term.Investment options and credit lines: Use the released credit lines for further investments in innovation and modern operating equipment .

What is hire purchase?

Whether it's a forklift, a milking robot or a property purchase: If you want to finance a new investment for your company, a rental purchase can be worthwhile. You first rent the property and finally buy it after the rental period agreed in the rental purchase agreement has expired. This financing model is ideal, for example, if you want to protect your credit line. In addition, with a rental purchase agreement you benefit from consistent and calculable costs.

This is how hire purchase works in detail

After concluding a rental purchase agreement, the landlord acquires the investment property desired by the tenant and leaves it to the latter for use. The total costs for the investment are therefore spread over a certain term. During this time, you as a tenant have planning security because you make consistent rent payments. At the end of the term, the landlord takes on the role of seller and the rental agreement becomes a purchase agreement. As a buyer, you ultimately become the owner of the rent-to-own property. If there is still a remaining debt, you can pay it off, for example through reserves or a loan. Rental purchase has no impact on your existing bank credit lines as the rental purchase property is reported on the company's balance sheet. You can also take advantage of depreciation options, tax advantages or investment incentives. You can also claim the financing interest as business expenses.

What is options buying?

An option purchase is a variant of the lease purchase, but offers the buyer an option to purchase. While with a classic rental purchase the buyer has to purchase the property after the rental purchase agreement has expired, with an option purchase the buyer can freely decide whether he wants to buy the property at the end or not. The buyer has the right of option and can therefore first test the property and only later decide whether he wants to purchase it or not. Both variants are suitable for buying real estate or investment property with little equity. However, the variant with a purchase option offers the buyer more freedom through the option right.

Rental purchase with immediate decision – EG Smart express

Together with our partner EG Smart Finanz, we offer you a quick and easy rental purchase solution with EG Smart express for investments of up to 023122819250 euros. To do this, make an appointment with your Extrem Gastro. Once approved, you can sign the rental purchase agreement immediately on site - without proof of your creditworthiness and without bureaucracy. When renting with an immediate decision, the money is paid out within 24 hours. Thanks to short-term liquidity, your dream property can be financed easily and conveniently. If you wish, you can take out installment protection insurance – also known as residual debt insurance – to protect yourself financially.

Support with financing

We accompany you throughout the entire planning and implementation process and create an individual financing plan for your rental purchase. Your local Extrem Gastro is also available to assist you with the franchise system with the right rental purchase.

Maximum satisfaction through flexibility

Extrem Gastro's contract solutions enable effortless adjustments, which means we are characterized by individuality and maximum flexibility in contract design.