En crédit-bail et location financière, 0 € d'apport est souvent possible selon la santé financière de l'entreprise. En crédit classique, un apport de 10-30% est généralement demandé.

Quels taux appliquez-vous ?

Les taux dépendent du profil de l'entreprise, du montant et de la durée. Ils se situent actuellement entre 4 et 6% TEG pour le crédit-bail machine-outil. Le simulateur ci-dessus vous donne une estimation indicative ; votre taux exact est confirmé par nos partenaires bancaires après analyse de dossier.

Que se passe-t-il en fin de crédit-bail ?

Trois options : (1) lever l'option d'achat (valeur résiduelle 1-5% du prix neuf), (2) prolonger le contrat à un loyer réduit, ou (3) restituer la machine. La plupart des industriels lèvent l'option.

Puis-je financer une machine + son installation ?

Oui. Le financement peut couvrir la machine, le transport, l'installation, la formation, et même les options (palpeur, 4ème axe, arrosage) . Le package global est plus avantageux fiscalement.

Combien de temps pour obtenir une réponse ?

Une réponse de principe en 48h après réception du dossier (bilans des 2 derniers exercices + prévisionnel). Le déblocage des fonds intervient généralement sous 2-3 semaines.

Puis-je cumuler aides régionales + crédit-bail ?

Oui, dans la plupart des dispositifs. Votre expert-comptable valide la compatibilité au cas par cas. Nous vous accompagnons dans le montage du dossier de subvention en parallèle du financement.

Qui sont vos partenaires financiers ?

Nous travaillons avec les principaux leaders français du leasing industriel (filiales de grands groupes bancaires français) ainsi qu'avec Bpifrance. Le choix du partenaire dépend de votre profil : nous consultons plusieurs offres pour obtenir les meilleures conditions.

Financing

Invest in your production without tying up your cash flow.

Leasing, financial rental, conventional loan. Indicative simulation in 10 seconds, proposal reviewed within 48h.

Calculate my monthly payment Get a call back within 24 h

0 €Possible deposit with leasing
24-84Months depending on the solution
48hAgreement in principle
3Solutions compared for you

Simulator

How much does it cost per month?

Enter the machine price, the term and the solution: your indicative monthly payment is displayed in real time.

Machine price (excl. VAT) 150 000 €

50 k€500 k€

Term

Solution

Indicative monthly payment

3,420€ / month

Excl. VAT · excl. insurance · subject to application

Solution: Leasing
Term: 48 months
Total cost: 164 179 €
Of which financing cost: 14 179 €

Get my personalised proposal

Indicative estimate. Your actual monthly payment depends on your company's financial health, the chosen model and the terms of our banking partners.

3 solutions

Choose the solution that suits your business

Each solution has its advantages. Here is how to choose.

Leasing

Ideal for: preserving cash flow and deducting lease payments.

Fixed, predictable monthly payments
Deposit from €0
Residual purchase option (1 to 5%)
Payments fully tax-deductible
Term: 36 to 60 months

€150,000 machine over 48 months: ~€3,420 / month excl. VAT

Rental

Operating lease

Ideal for: preserving borrowing capacity.

Off balance sheet: no impact on debt
Easy renewal at end of term
Maintenance can be included in payments
Ideal for growing businesses
Term: 24 to 60 months

€150,000 machine over 48 months: ~€3,440 / month excl. VAT

Ownership

Conventional loan

Ideal for: owning the machine straight away.

Machine owned from day one
Standard accounting depreciation
Fixed or variable rate
Deferred repayment available
Term: 24 to 84 months

€150,000 machine over 60 months: ~€2,865 / month excl. VAT

Comparison

Which one to choose at a glance?

Comparison of leasing, operating lease and conventional loan
Criterion	Leasing	Operating lease	Conventional loan
Owner of the machine	At end of contract	No (buy-back option)	Yes, immediately
Initial deposit	€0 possible	€0 possible	Often 10 to 30%
Impact on borrowing capacity	Reduced	None (off balance sheet)	Full
Tax deductibility	Rentals 100% deductible	Rentals 100% deductible	Interest + depreciation
Term	36 to 60 months	24 to 60 months	24 to 84 months
Early exit	Residual buyout	Return to the lessor	Early repayment

Grants & schemes

Reduce your actual investment

Several public schemes can fund part of your machine. We check with you which ones your project is eligible for.

Regional

Regional grants

Many regions offer grants of 20 to 30% for modernising industrial production equipment.

Hauts-de-France, Grand Est, Auvergne-Rhône-Alpes, Nouvelle-Aquitaine: schemes active in 2025-2026.

Bpifrance

Bpifrance loans and guarantees

Loans at favourable rates, credit guarantees and support for industrial SMEs investing in their production.

Industry Modernisation Loan up to €5M · Bpifrance guarantee of up to 70% of the capital borrowed.

National

France 2030

National plan supporting industrial investment in digital and green transition. CNC machines eligible subject to conditions.

Energy-efficient machines, remotely controlled or integrated into an Industry 4.0 approach.

Tax · proposed

2027 enhanced depreciation

The 2027 finance bill provides for a new “Industry 4.0” enhanced depreciation allowance for SMEs and mid-sized companies, on equipment acquired from 2027 to 2029.

Measure under debate in Parliament: rate and eligible equipment to be confirmed in the enacted text. The former 40% scheme does not apply to 2026 purchases.

Frequently asked questions

What manufacturers often ask

Review my application

Is a deposit required?

With leasing and financial rental, a €0 deposit is often possible depending on the company's financial health. With a conventional loan, a deposit of 10-30% is generally required.

What rates do you apply?

Rates depend on the company's profile, the amount and the term. They are currently between 4 and 6% APR for machine tool leasing. The simulator above gives you an indicative estimate; your exact rate is confirmed by our banking partners after reviewing your application.

What happens at the end of the lease?

Three options: (1) exercise the purchase option (residual value 1-5% of the new price), (2) extend the contract at a reduced rental, or (3) return the machine. Most manufacturers exercise the option.

Can I finance a machine + its installation?

Yes. Financing can cover the machine, transport, installation, training and even options (probe, 4th axis, coolant). The all-in package is more tax-efficient.

How long does it take to get an answer?

An agreement in principle within 48h of receiving your file (accounts for the last 2 financial years + forecast). Funds are generally released within 2-3 weeks.

Can I combine regional grants with leasing?

Yes, under most schemes. Your accountant confirms compatibility on a case-by-case basis. We help you put together your grant application alongside the financing.

Who are your financial partners?

We work with the main French leaders in industrial leasing (subsidiaries of major French banking groups) as well as with Bpifrance. The choice of partner depends on your profile: we compare several offers to secure the best terms.

Personalised simulation

A proposal reviewed within 48 h.

We consult several banking partners to secure the best terms, tailored to your profile and your project.

Several partners consulted on your behalf
Agreement in principle within 48 h
Help with your grant application
No obligation

Request a call back within 24 h

Full name

Company

Business email

Phone (optional)

Machine budget (excl. VAT)

Preferred solution

Preferred term

Details (optional)

Reply within 24 working hours · No obligation · Your data remains confidential