Leasing, installment sales and other products provided by IBJ Leasing are designed to provide a financial benefit to the user.

We offer customers the best asset procurement scheme for their specific situation.

We also provide services that address off-balance sheet, risk management and a wide range of other needs.

Finance Leases

IBJ Leasing purchases property or equipment for the customer from the owner and leases it to the customer. 
The most common finance lease transaction is where the customer pays back the cost of the property or equipment through lease payments. 

■Merits

・Fund procurement ・Cost spreading ・Off balance sheet accounting

Operating Leases

The residual value of the asset at the end of the lease period is set beforehand, allowing the customer to benefit from favorable leasing fees. 

■Merits

・Lower total payments ・Off balance sheet accounting 
・Fund procurement ・Cost spreading

Installment Sales

IBJ Leasing purchases property or equipment for the customer from the owner and sells it to the customer in installments. 

■Merits

・Fund procurement ・Cash flow smoothing

Real Estate Leases

Real estate leases can be designed to meet the specific needs of each customer. By avoiding outright ownership of an asset, customers can spread the initial purchase cost or exclude the asset from their balance sheet.

■Merits

・Fund procurement ・Cost spreading 

・Off balance sheet accounting (In the case of operating leases.Provided by KL Lease & Estate Co., Ltd.) 

Auto Leases (Maintenance Leases)

(Provided by IBJ Auto Leasing Co., Ltd.) 
Vehicle fleet management typically requires input from general affairs, accounting, sales and other divisions within a company. Fleet management also involves negotiations with insurance, vehicle maintenance and other companies. 
Auto leases allow customers to outsource all their fleet management activities, helping to lower personnel and administration costs. 

■Merits

・Efficient fleet management ・Cost savings

Car Care System (CCS)

(Provided by IBJ Auto Leasing Co., Ltd.) 
IBJ Leasing provides maintenance services for vehicle fleets owned by customers. 
CCS contract periods are flexible, allowing customers to pick the level of service that best suits their needs. 

■Merits

・Efficient fleet management ・Cost savings

Payment Outsourcing

IBJ Leasing takes on responsibility for all payables such as fees for engineering work, which the customer then repays to IBJ Leasing in installments.

■Merits

・Fund procurement ・Cash flow smoothing

Securitization of Accounts Receivable

IBJ Leasing purchases accounts receivable held by companies, allowing customers to rapidly monetize receivables.

■Merits

・Rapid monetization ・Off balance sheet accounting 
・Mitigation of receivables recovery risk

Purchase of Notes Receivable

IBJ Leasing purchases notes receivable held by customers. 

■Merits

・Rapid monetization ・Off balance sheet accounting
・Mitigation of receivables recovery risk