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Finance leasing

The purchase of large professional kitchen equipment is always an investment. In order to make the purchase easier, by spreading out your investment costs, we offer you the option of financing leasing. Leasing is a flexible and affordable form of financing that can be used to finance both projects and individual equipment. With financing leasing, the need for a large one-time capital investment can be eliminated, as the lease costs are evenly distributed over the period of use of the equipment. Leasing financing is suitable for private companies as well as for financing public procurement. 

You can request a financing leasing offer through our online store when your purchases exceed 1500 euros (VAT 0%) or ask about financial leasing from our sales personnel.

When applying for leasing financing, you do not need additional collateral – instead, the equipment you lease serves as collateral. In addition, the lease is tax deductible. A fixed monthly lease throughout the contract period makes your budgeting and financial planning easier. You can choose 24 months, 36 months, 48 months or 60 months for the lease period of the financing lease, during which time you also have the right to use the equipment. After the contract period, the equipment can be purchased, a new contract made and the equipment replaced with new ones, or the equipment can be returned to a location indicated by Metos.

There are always three parties in leasing financing: the customer, the seller and the financing company. As the customer, you choose the equipment for your professional kitchen and the leasing period, after which you can apply for leasing financing through us, and you will receive instructions on concluding an agreement with the financing company. As the seller, Metos Oy applies for a financing decision, delivers the equipment and agrees with the customer on an extension after the end of the leasing period. Metos' financing partner is Tukirahoitus Oy. The agreement on financing leasing is concluded between the customer and Tukirahoitus.

A leasing agreement requires a positive credit decision.

The financing service is provided by Tukirahoitus Oy, which is a part of Nordea Group
www.tukirahoitus.fi

Interested?  

Ask more about finance leasing from our sales.

Leasing contract 

How do I apply for financing leasing? Check out the operating model below.

Costs

Will there be other costs in addition to the monthly lease? Read about other costs to be added below.

The end of a leasing contract

What happens when the leasing contract ends? Below you will find options on how to act.

The advantages of financing leasing

  • The equipment serves as collateral for the financing leasing agreement, and no other collateral is required
  • Financial planning and budgeting become easier because the monthly lease is fixed and remains the same throughout the contract period
  • The lease is tax deductible
  • Capital does not need to be tied up in fixed assets 

The leasing financing operating model

  1. As the customer, you choose the equipment and the rental period; add the equipment to the shopping cart and select the Tukirahoitus lease period. Send a request for a quote. Financing leasing is available for online shopping purchases worth over 3,000 euros (VAT 0%).
  2. Metos Oy applies for a financing decision upon receipt of the customer's quote request/order.
  3. The customer signs the leasing contract electronically when the financing decision has been approved. The electronic signature service is provided by Signom Oy. The leasing agreement is between the customer and Tukirahoitus.
    a. Tukirahoitus will send a link to your e-mail with an invitation to sign (instructions on Tukirahoitus' website https://www.tukirahoitus.fi/myyjaliikkeit/palvelumme/sahkoinen-alleekreits/ohjeet.html).
    b. To sign, you need your personal online banking ID (Tupas identification).
  4. The equipment is delivered to the customer according to Metos Oy's General Terms of Delivery. The customer signs Tukirahoitus Oy's delivery acceptance form. When the delivery has taken place, the obligation to pay lease to Tukirahoitus begins. Lease is billed in advance every three months.
  5. After the leasing period, the following options are available:
    a. The customer can purchase the equipment from Metos Oy for a sum equivalent to three months' lease.
    b. The equipment can be exchanged for new ones, in which case the old equipment is returned to Metos, and a new leasing agreement is made for the new equipment.
    c. The equipment can be returned at the customer’s own expense to a location indicated by Metos. 

Other costs to be added to finance leasing

The monthly lease does not include:
  • starting fee of the financing agreement 50 euros + VAT
  • invoicing fee 10 euros/invoice + VAT (lease is billed in advance every three months)
  • the maintenance procedures required by the equipment during the contract period or any spare parts, including wearing parts such as lamps and gaskets (Metos Oy gives the products it sells a 1-year warranty against raw material and manufacturing defects. You can find the warranty conditions here.)
  • equipment insurance; the customer must insure the equipment covered by the lease agreement with their own insurance company or with the equipment insurance offered by Tukirahoitus (more information below).  

Equipment insurance for leased property: The policy number is SP1357790.

Validity of the insurance cover: Tukirahoitus Oy insures the equipment and furniture it finances and the inclusion of which in the insurance has been agreed in writing between the lessor and the lessee. The insurance is issued by If Vahinkovakuutusyhtiö Oy.
Information about equipment insurance on the website of the If insurance company https://www.if.fi/yritysasiakkaat/extranet/tukirahoitus/laitevakuutus
Terms of the equipment insurance on the website of the If insurance company https://www.if.fi/yritysasiakkaat/extranet/tukirahoitus/laitevakuutus 

The end of a finance leasing agreement

When the finance leasing agreement ends, we will contact you about the extension. You can choose from the following options:
a. You can purchase the equipment from Metos Oy for a sum equivalent to three months' lease.
b. The equipment can be exchanged for new ones, in which case the old equipment is returned to Metos, and a new leasing agreement is made for the new equipment.
c. You can return the equipment at your own expense to a location indicated by Metos.