Explore Our Financing Products
FINVE SPA offers a structured range of financing products designed to address the specific capital needs of businesses operating in asset-intensive industries. Each product line has been developed based on direct client feedback and observed market gaps in non-bank business finance. Our leasing and credit solutions are available to companies at various stages of growth, from early-stage SMEs to established corporate groups. We continually refine our product parameters to ensure they reflect current asset values, interest rate environments, and sector-specific risk profiles. The following sections outline the full scope of what FINVE SPA makes available to its clients.
Leasing Products
Operating Lease
An operating lease from FINVE SPA allows your business to use an asset for a defined period without carrying it on your balance sheet as a liability. At the end of the term, the asset is returned, and you have the option to upgrade to a newer model or extend the arrangement. This structure is particularly popular with companies that need to keep their equipment current in fast-moving technology or vehicle markets.
Finance Lease
Under a finance lease, FINVE SPA purchases the asset and leases it to your business for a term that covers most of its useful economic life. The lessee carries the asset on their books and benefits from associated depreciation, while the financing cost is spread over the lease period. This structure suits businesses that want effective ownership of an asset without the full upfront capital outlay.
Sale and Leaseback
If your business owns assets outright, FINVE SPA can purchase those assets from you and immediately lease them back, releasing capital you can redeploy into operations or growth. The arrangement lets you retain uninterrupted use of the assets while improving your liquidity position. This product is frequently used by manufacturing firms and transport operators managing large fixed-asset bases.
Credit & Loan Facilities
Asset-Backed Business Loans
FINVE SPA provides term loans secured against specific business assets, offering competitive rates relative to unsecured credit products. The asset serves as collateral, which enables us to extend credit to businesses that may not have strong collateral in traditional real estate or securities. Loan tenors and repayment structures are matched to the revenue cycle of each business.
Capital Goods Financing
Purchasing capital goods — production machinery, processing equipment, laboratory instruments — often requires financing that aligns repayments with the productive output of the asset. FINVE SPA's capital goods facilities are structured with this principle in mind, offering flexible draw-down and repayment schedules. We work with clients in manufacturing, food processing, pharmaceuticals, and energy sectors.
Working Capital Bridge Loans
Short-term bridge facilities from FINVE SPA help businesses manage gaps between major expenditures and incoming revenues, particularly during periods of rapid expansion or seasonal demand shifts. These facilities are structured to be repaid quickly without penalty for early settlement. They complement our longer-term leasing products by giving clients comprehensive coverage across their funding needs.
Sector-Specific Programmes
Transport & Logistics Fleet Finance
FINVE SPA has developed a dedicated programme for transport and logistics companies that need to finance vehicle fleets of varying size and composition. We finance cars, vans, rigid trucks, articulated lorries, and specialist vehicles under unified agreements that simplify fleet management. Bulk financing of multiple vehicles is handled under a single master facility, reducing administrative burden on the client.
Construction Equipment Programme
Construction companies face large and unpredictable equipment costs tied to project timelines. FINVE SPA's construction programme offers financing for excavators, cranes, concrete equipment, and site infrastructure tools with repayment periods that can be aligned to project milestones. We also accommodate short-term project-based leasing for equipment needed on single contracts.
Agricultural & Food Industry Finance
FINVE SPA supports agricultural producers and food processing businesses with financing tailored to seasonal revenue patterns and the long asset lives typical of farming and food production equipment. Tractors, harvesters, irrigation systems, and food processing lines can all be financed under our agricultural programme. Repayment schedules can be structured around harvest cycles or production seasons.