Leasing in the SME Sector – How Fleets Finance Vehicles Today

In German small and medium-sized enterprises (SMEs), leasing is steadily gaining importance as a financing instrument for vehicle fleets and not just for traditional company cars. According to recent data, SMEs realized investments of around €61 billion through leasing in 2024, accounting for roughly a quarter of the total investment volume. Larger mid-sized companies in particular rely on leasing across all vehicle types, from passenger cars and vans to electric vehicles.

Advantages of Leasing

• Predictable costs & liquidity
  Leasing can create clear, predictable monthly payments and help preserve liquidity. Capital is not tied up in vehicle purchases and can instead be used more flexibly.
• Integration of new technologies
  More than half of all newly registered electric passenger cars are leased. Leasing makes it easier to acquire and transition to modern drivetrains, as the costs are spread over time.
• Efficient fleet management
  Leasing agreements can also include maintenance, repairs, and tire management — reducing administrative workload and freeing up internal resources.

Flexible Fleet Financing with Holman FlexLease

However, for many mid-sized companies that want to keep their fleets agile, traditional closed-end leasing contracts with fixed terms and mileage limits often reach their limits. This is where Holman FlexLease comes in: a flexible open-end leasing model that gives companies maximum freedom in terms of contract duration and vehicle usage while maintaining full cost transparency.

Benefits

• Flexible contract term and mileage
• Fixed, transparent repayment schedule
• No charges for excess or unused mileage
• No end-of-term damage charges
• 100% of remarketing proceeds belong to the customer

Today, leasing is more than just financing — it is a strategic tool for liquidity, flexibility, and technological transformation. For mid-sized fleets that want to remain agile, Holman FlexLease offers the ideal solution: flexible, transparent, and without surprises.

Interested in a flexible fleet solution? Contact us today for a personal consultation.

Source:
firmenauto.de. (2024). Leasing-Fuhrpark: So finanziert der Mittelstand Dienstwagen und Elektrofahrzeuge. https://www.firmenauto.de/management/leasing-und-finanzierung/leasing-fuhrpark-so-finanziert-der-mittelstand-dienstwagen-und-elektrofahrzeuge/