Leasing and leasing loan of steel halls - a favorable solution for entrepreneurs and farmers

What is a steel hall lease loan?

Lease loan for the purchase of a steel hall is a solution in which an entrepreneur gains access to a modern and functional hall in exchange for paying installments plus interest. The lease loan is provided by specialized leasing companies and in many cases is a favorable alternative to an operating lease or an investment loan. Unlike a classic lease, a lease loan allows a company to obtain a Full ownership of the steel hall from the very beginning, while repayment of the obligation is made in installments. The formal requirements for a lease loan are usually more simplified than for an investment loan.

Financing of steel halls – selected options

Operating or finance leases and lease loans are forms of financing the purchase of a steel hall, which differ in terms of financial structure, ownership rights, and the impact on the company’s financial balance sheet.

• Financial leasing of steel halls – involves the gradual acquisition of ownership of the hall by the entrepreneur, and with the payment of the last installment the facility usually passes to the lessee.
• Operating leasing of steel halls – is characterized by a shorter leasing period and lower monthly costs, there is an option for the lessee to buy the hall at the end of the contract.
• Lease loan for the purchase of a steel hall – is applicable for financing objects of higher value than for operating leasing, requires less paperwork and allows for a faster financing decision than in the case of a loan, and the object of purchase immediately becomes the property of the entrepreneur.

Lease loan, operating lease or finance lease of a steel hall?

In the case of financing of steel halls Not all options are applicable. For example, operating leases can be used for facilities up to PLN 100,000, such as garages. On the other hand, a lease loan can be used for larger investments.  

	Operating lease	Finance lease	Lease loan
Transfer of ownership and buyout	At the end of the lease agreement, the lessee may choose to buy out the leased object (e.g., a small hall – garage), but this is not mandatory. Often with an operating lease, the buyout price is higher than in a finance lease, because the object is not depreciated by the lessee	At the end of the lease term, the object usually automatically becomes the property of the lessee after a symbolic final payment or when the leased object is paid off in full.	The object of purchase becomes the property of the entrepreneur immediately, just as in the case of a bank loan. This allows you to freely manage the property and carry out the necessary adaptations without additional formalities.
Depreciation and accounting	The leased asset remains in the lessor’s estate, and depreciation is carried out by the leasing company. The lessee includes the lease payments as a tax-deductible expense, allowing regular write-offs over the term of the contract.	The leased object becomes part of the property of the lessee, who depreciates it. In the books, the leased object is treated as the property of the lessee. The interest of the lease installment can be included in the tax deductible expenses.	The object of the loan is a fixed asset of the company, which depreciates it. Interest on a loan installment can be included as a deductible expense.
VAT	VAT is added to each lease payment, which means that the lessee does not have to commit a large amount of money at one time.	VAT is payable upfront on the full value of the leased item (similar to a purchase), which can challenge a company’s cash flow.	Allows a one-time deduction of VAT on the purchased object.

CTA: Simplified leasing loan procedures for the purchase of HalMod hall – learn about the offer!

Examples of the use of steel halls financed by a lease loan or lease:

• Logistics and distribution warehouses – The continued growth of the e-commerce and logistics industry is translating into a growing demand for rapidly available warehouse space.
• Manufacturing plants and workshops – Leasing or leasing a hall loan allows growing manufacturing plants to quickly access the space they need to increase production capacity.
• Agricultural facilities – In the agricultural industry, financing the purchase of halls is a favorable solution, and modern steel halls allow the rapid construction of livestock facilities, garages, agricultural warehouses, etc.

Leasing and leasing loan for the purchase of steel halls are advantageous solutions for companies looking for flexibility and the ability to quickly access modern infrastructure without the need for large capital. Financial flexibility, buy-back options and tax benefits make them attractive solutions for growing businesses.

How to choose a steel hall leasing company?

With HalMod’s customers in mind, we have selected the offers of leasing companies that provide the possibility of financing the purchase of steel halls in the form of a lease loan.

Advantages of working with a leasing company recommended by HalMod:

• clear rules for evaluating the application
• evaluation of the application within 3 working days after delivery of the signed application
• Simplified procedure up to a net amount of 100,000 euros (income on declaration, without additional registration documents)
• above this amount, additional documents required (registration documents, accounting documents from the business, and in the case of a farmer, a warrant, policy, subsidies, three sales invoices
• Comprehensive care, advice and quick finalization thanks to direct cooperation between HalMod and the leasing company

Lease loan when doing business:

• Net loan (the minimum customer contribution is the VAT value of the subject of the contract), contract term of a maximum of 5 years
• Simplified procedure for each of the business activities – the loan amount of a maximum of 100 thousand euros net, and the customer covers the value of VAT as an own contribution. Income is presented informatively in the form of a statement on the application for the last full financial year (income and revenue), without registration documents confirming the business – the application itself. Financing period max 5 years.

Lease loan for farmers:

• Gross financing, from 0% down payment, max 7 years
• VAT-paying farmer: repayment of VAT at most in the 4th month as a balloon installment – after the purchase, the farmer submits an Fv with confirmation of its payment to the Tax Office. This VAT is cleared and refunded to the customer up to 3 months, then this refund the customer allocates to the installment up to the 4th month in the schedule.
• Non-VAT farmer – VAT is distributed on a straight-line basis, possible repayment in installments over the life of the contract

Thanks to steel hall financing companies gain space that meets their current needs and supports long-term growth, while maintaining liquidity and the ability to continue investing in other key areas of the business. Lease loan for steel hall purchase is a professional financing solution that allows entrepreneurs and farmers to quickly purchase a steel hall without too much of their own money. Check it out now! Leave your contact information and provide the dimension of the hall you need!