​​​​​​​​​​​Financial Leasing​

Equipment ownership
​is opt​iona​​l upon contract termination​

Linked Slide

Increased Liquidity

Large upfront capital not required for equipment purchases




Tax Deductions

Monthly rental payments are 100%
tax deductible

More details​​

Fixed Rental Payments

Guard against interest rate fluctuations

Equipment can be located on any land

...Even on land mortgaged with other financial institutions

Sale and Lease-Back

Sell your lien-free equipment
And lease it back for your use

You gain a sum to finance your operations

Through the sale of lien-free equipment to KF&E And then pay monthly on a lease to use it

You still have the equipment for your business

Such sale to us offers a lease-back option

Resuming the equipment ownership

Renewed ownership is an option at the contract termination


Flexible Agreements

Lessees may renew the contract, buy the equipment or return it to us Per contract terms and conditions

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Product ​Details

​​Details

Lease Term

3-5 years

Financing Limit

70-100% of the asset value
(depending on the type of equipment and KF&E’s discretion)

Rent Rates

Fixed rates throughout term

Rent Payment

Fixed monthly installments

Collateral

Personal guarantee and a lien on the equipment registered as collateral



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How to Apply

Qualifications
  • Registered businesses, including limited liability companies and limited partnerships, or private individuals conducting a business
  • At least 3 years in business
Required Documents

Individuals

  • Copy of the ID Card and House Registration of the borrower, spouse (if any) and guarantor – 2 sets
  • Copy of name change certificate (if any) of the borrower, spouse and guarantor – 2 sets
  • Copy of the marriage or divorce certificate (if any), as well as copy of death certificate of spouse (if any) – 2 sets
  • Copy of Commercial Registration / VAT Registration (PhorPhor.20) – 2 sets
  • Account statement(s) issued by financial institutions for not less than six consecutive months – 1 set
  • Other documents for income assessment, e.g., accounting ledger, deposit account passbook (if any) – 1 set
  • Map of business location – 1 set

Registered Businesses

  • Certificate of the Business Registration and Company Objectives (issued not over 30 days prior to the financing application date) – 2 sets
  • Copy of the Memorandum of Association (BorOrJor. 5/BorOrJor. 2) and Articles of Association – 2 sets
  • Copy of the Shareholder Register (not over 90 days prior to the financing application date) – 2 sets
  • Copy of the Certificate of Stamp (BorOrJor. 3 / BorOrJor. 4 / HorSor.4 / HorSor.2 / HorSor.3) (not over one month prior to the financial application date) – 2 sets
  • Copy of Commercial Registration / VAT Registration (PhorPhor.20) – 2 sets
  • ​Copy of ID Card and House Registration of the Authorized Signatory and Guarantor holding together over 50 percent of the total shares – 2 sets
  • Financial Statement (Balance Sheet, Statement of Income and Notes to Financial Statement for three consecutive years) – 1 set
  • Account statements issued by financial institutions for not less than six consecutive months –1 set
  • Tax payment documents (e.g., PhorPhor. 30) – 1 set
  • Map of business location – 1 set

Examples of Eligible Businesses

Mining
Ground Excavation/Earth and Stone Moving

Publishing

Transport and Logistics

IT and Communications

Iron and Plastics

Processing

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