Leasing? Are there better financing tools?
In today’s Ukrainian business environment, entrepreneurs are looking for more flexible, fast and effective ways of financing. This is especially relevant in 2025 – in conditions of an unstable economy, a shortage of funds and the need to renew assets. One of the most frequent questions is whether to choose leasing, or is it better to contact a bank, use a grant or invest your own funds?
Let’s try to figure out when leasing is a smart choice, and in which cases it is advisable to consider other tools.
What is leasing?
Leasing is a financial instrument through which you receive machinery, equipment or transport for use for a certain period of time with the right to buy. You gradually pay off the cost of the asset on a schedule convenient for you, without immediately withdrawing large amounts from the business. In simple words – you use the property now, and pay in installments.
What other financing options are there besides leasing?
- Bank loan.
This is a classic way to get funds, suitable for large investments. But the loan requires collateral, long approval, and often has strict conditions. In addition, not all enterprises currently have stable financial statements or credit history to pass bank scoring. - Grants.
This is one of the most attractive options, because the funds do not need to be returned. But the number of such opportunities is limited, participation often requires preparation, reporting, and fulfillment of clear conditions. It will not suit everyone, and you should not expect a quick decision. - Installment from the supplier.
Sometimes suppliers themselves offer installments for 3–12 months. This is a quick option, but most of the time it is limited to a specific product, has a limit on the amount, and is not always financially profitable – the conditions are opaque. - Own funds.
The easiest option is if you have free money. But investing the entire amount at once “freezes” working capital, which often slows down other processes: marketing, development, employee payments.
When is leasing the best choice?
- If you need to quickly get an asset for use, without lengthy inspections and waiting;
- If you want to preserve working capital – especially relevant for small and medium-sized businesses;
- If it is important for you to have a simple and transparent payment schedule, without hidden fees;
- If you want to optimize tax expenses – because leasing payments are taken into account as expenses;
- If you do not have collateral or do not want to provide it – leasing does not require it.
And what are the advantages of leasing over a loan?
- Registration in a few days, not weeks;
- The ability to choose a flexible payment schedule;
- Smaller down payments;
- The leasing object itself is a guarantee, so you do not need to attract other property;
- The ability to update an asset (machinery, car, equipment) every few years.
How does it work with TEKOM leasing?
For example, you choose a car for your business or equipment for a new workshop. The company’s managers help with calculations, form individual conditions:
– advance payment of 20–30%
– term up to 60 months
– schedule taking into account the season or income
– transparent registration procedure
Registration takes several days. You use the property immediately – without waiting for approval from the bank or a grant.
Leasing is a modern, effective and flexible financing tool. In many cases, it is the best alternative to a loan, especially during periods of economic turbulence. It allows you to quickly adapt, update assets, scale your business – and at the same time maintain financial stability.
Are there better tools?
It all depends on your goals, business status and objectives. But leasing in 2025 definitely takes the top place among the most practical solutions for small, medium and even large businesses.
