Raiffeisen Leasing Aval is the universal leasing company which gives a full complex of leasing services leasing for clients who work in various fields of activity.

Our clients are legal entities, from entrepreneurs up to large domestic industrial groups which work in various of manufacture and services fields, in any region of Ukraine and have a stable financial condition and a constant source of incomes. At present the company has close cooperation with more than 500 clients who become our constant partners.

Raiffeisen Leasing Aval sets and supports cooperation with reliable suppliers, which can offer wide assortment of the qualitative goods, support of its clients (technical, consulting), loyal conditions of delivery and unconditional performance of all arrangements.

The scheme of leasing contract:

Client choose leasing asset by himself		Client sending leasing application to RLA		Contracts signing		Client pays all primary payments
Client starts to pay regular leasing payments		Leased asset transfer to client		Leased asset registration (if needed)		Leased asset insurance

1. The client agrees with the seller (dealer) price, quantity and specifications of the leased asset, receives an offer
2. The client refers to Raiffeisen Leasing Aval: provides an offer from the supplier, leasing application, and package of documents needed for analysis. The list of documents is standard, your manager will provide you with it, but, if necessary, Lessor may request additional documents required for a decision making
3. After receiving a positive decision from the Credit Committee, Raiffeisen Leasing Aval negotiates and enters into a contract of financial leasing with the client and sale-purchase agreement with the supplier and client
4. After receipt of advance payment and the administrative commission from the client, Lessor initiates the delivery of goods according to the sale-purchase contract
5. Before transferring to the client, leased asset has to be insured. The client has the right to self-insure asset according to the requirements of Raiffeisen Leasing Aval to insurance contracts, and using only accredited insurance companies (information about the list of companies you can get together with a list of documents for a leasing deal). Then client have to provide Lessor with the copies of documents, which confirm insurance. Also, Raiffeisen Leasing Aval offers insurance services according to partnership programs with leading insurance companies. The client can pay insurance payments once a quarter. If the insurance payment is not paid in time, the Lessor will pay the bill for the Lessee, and then client will be billed for reimbursement of the amount increased by the amount of VAT
6. Before transferring to the client, Lessor have to register leased asset. Then client compensates the costs associated with registration
7. After transferring leased asset to the client according to the terms of the sale-purchase contract, the Lessor pays the full cost of the leased asset to the seller
8. The beginning of regular leasing payments

Stages of leasing transaction:

1. Application for leasing
2. Analysis of the financial standing of the potential lessee
3. Agreement on the terms of the contract
4. Approval of the financing by the credit committee
5. Signing of the leasing contract
6. Signing of the purchase contract
7. Advance lease payment by lessee
8. Payment for asset
9. Signing of the Insurance contract and insurance payment
10. Registration of asset
11. Delivery of the asset to the client
12. Monthly lease payments
13. Purchase of the asset by the lessee at the end of the lease term (or restitution / prolongation of the contract at operative lease)

Advantages of cooperation with Raiffeisen Leasing Aval:

• Loyal approach in estimation of a customer’s creditworthiness
• Fast decision-making
• Flexibility in payment schedule ("pay as you earn")
• Individual approach to each client
• Vendor partnerships with the world’s leading suppliers
• Access to the international capital markets and competitive interest rates
• Applying of international leasing practice
• Quality of service and customer relations
• Aspiration to long-term cooperation with clients
• High professional skills