The challenge

Finance approval for client projects often hampered Reference Medical Group’s efficient operations. Traditional financing processes with prolonged credit reviews and manual paperwork hindered their ability to respond swiftly to client equipment requests. They needed a faster, more efficient solution to maintain their competitive edge.

The solution

BNP Paribas Leasing Solutions simplified the credit approval and contract management process for Reference Medical Group with its advanced digital credit and contract management platform. This smart system, featuring automated credit decisioning, quickly assesses clients’ creditworthiness based on criteria, such as three years of sector experience, a clean payment history and a financing limit matched to their medical specialty. The platform provides almost instant online approvals, enabling Reference Medical Group to accelerate the sales and order fulfilment process. This improvement means clients now have quicker access to state-of-the-art technology, enhancing patient care and financial efficiency.

“Automatic agreements in the medical market make it easier for us to close operations immediately.”

Santiago Mendizabal, CEO, Reference Medical Group

The benefits

  • Immediate credit decisions remove delays, enabling Reference Medical Group to close deals quickly and efficiently.
  • Faster turnaround times improve client experience and strengthen competitive advantage.
  • Secure online platform streamlines approvals, contract generation, and e-signatures, eliminating paper-based workflows.
  • Clear criteria and automated processes ensure trust and consistency throughout the leasing process.

Teaming up with BNP Paribas Leasing Solutions helped Reference Medical Group speed up their sales responsiveness leading to client satisfaction and increased competitiveness. This case study highlights BNP Paribas Leasing Solutions’ dedication to supporting manufacturers and equipment suppliers in providing best-in-class client experiences through sector expertise and digital tools, simplifying the leasing process.

The challenge

Despite its longstanding presence in the market, Else Elektrik faced challenges sourcing yarn from external providers. The prolonged delivery times and concerns about the quality of the supplied yarn prompted the company to explore the option of in-house yarn production. However, lacking the necessary equipment for this shift, the company needed a strategic solution. 

The solution

Else Elektrik turned to BNP Paribas Leasing Solutions to secure long-term asset financing for the acquisition of essential yarn manufacturing machines. Leveraging BNP Paribas Leasing Solutions’ expertise in project financing, asset expertise and competitive rates, the partnership was deemed ideal for fulfilling the company’s funding needs. 

“BNP Paribas Leasing Solutions understood our need for flexible, long-term funding and provided operational convenience that allowed us to focus on growth. Partnering with them was instrumental in transforming us from yarn buyers to yarn producers, and we are poised for even greater success in the future.”

Seyfettin Koçak, company owner, Else Elektrik

The benefits

  • Enhanced control: In-house yarn production empowered Else Elektrik to dictate quality and delivery schedules, boosting efficiency and customer satisfaction. 
  • Increased profitability: Eliminating dependence on external suppliers reduced costs and improved profit margins. 
  • Market expansion: The newfound agility enabled Else Elektrik to explore new product lines and market opportunities. 
  • Long-term growth: Flexible financing terms equipped Else Elektrik for sustainable growth and future investments.     

The challenge

Facing the obstacle of limited access to financing for consumable products, our partner sought a solution to facilitate the financial support required by dentists. Traditional financing avenues were often unavailable due to the nature of consumables, which are typically single-use items. 

The solution

BNP Paribas Leasing Solutions worked closely with the partner to craft a customised financing solution. Together, we developed a three-year loan product aimed at expediting patient purchases while optimising the partner’s working capital and cash flow by providing immediate revenue for goods sold. Patients also benefit, as they can comfortably repay the loan through manageable monthly instalments to BNP Paribas Leasing Solutions. 

“Our requirement was a finance solution to cover our full product range, ensuring our patients’ needs were fully met. Thanks to BNP Paribas Leasing Solutions, we can now offer comprehensive solutions for our valued customers.”

Business manager at the company

The benefits

  • Enhanced patient care: Dentists can now confidently offer patients a more comprehensive range of products and services, helping to improve patient outcomes. 
  • The streamlined process between the supplier and dentists minimises administrative burdens and facilitates efficient order management. 
  • The financing option makes our partner’s product proposition more compelling to dentists, helping to boost product sales. 

The challenge

The partner sought to make their specialist engineering software more accessible to customers within a budget-conscious framework. However, they recognised a significant barrier: traditional asset leasing companies are hesitant to finance intangible assets like software. 

The solution

BNP Paribas Leasing Solutions created a bespoke software financing product, incorporating essential contractual adjustments. The solution also enabled customers to leverage a 0% financing rate over a three-year term. 


“Thanks to the solution developed by BNP Paribas Leasing Solutions, we’ve shifted our commercial strategy. We’re no longer solely focused on pricing, but on enhancing the accessibility of our products within the engineering industry“

Commercial manager at the company

The benefits

  • By making the software more affordable and accessible through leasing, the partner significantly boosted customer acquisition and expanded their market share, reaching new customer segments previously deterred by upfront costs. 
  • This innovative leasing solution created a distinctive competitive advantage in the marketplace for our partner. 

The challenge

Fuelled by booming e-commerce, the client needed to expand and optimise their operations. Upgrading their forklift fleet was crucial for enhanced performance, efficiency, and environmental responsibility. 

The solution

BNP Paribas Leasing Solutions presented an attractive rental package, empowering the company to improve its financial position while investing in a larger, more efficient fleet. This strategic move resulted in improved productivity, quicker order processing, and the capacity to take on additional contracts. 

Beyond immediate benefits, the rental agreement offered a sustainable trajectory. The flexible financing solution positioned the client to seamlessly upgrade to the latest, most efficient models, ensuring an environmentally friendly fleet with low emissions. 

“The speed in which BNP Paribas Leasing Solutions provided instalment quotes and put the contract management processes in place was extremely fast.  Not only were we able to get up and running very quickly, but the ability to manage invoices remotely through its fully digitalised offering, means all the information we need is accessible when we need it, giving us much greater control of our fleet.”

Business manager at the company

The benefits

  • Enhanced productivity: A larger, more modern fleet facilitated faster order processing and increased contract fulfilment. 
  • Improved sustainability: Electric forklifts reduced emissions, aligning with eco-objectives set by the client. 
  • Flexible future: Easy upgrade path to the latest models at the end of the contract.  

The challenge

Polvanera initiated an ambitious project focused on transitioning to green technology. Its aim was to upgrade the winery, improve its environmental footprint, and raise awareness for regional Primitivo wine and other native grape varieties. Through this shift to green technology, the Polvanera team aimed to elevate its business while also highlighting the wines from Puglia. By merging tradition with technological advancements, its goal was to achieve the best possible outcome for the company and its customers. 

The solution

Recognising the crucial role green technology would play, Polvanera identified an electric zero-impact viticulture robotic solution as a key enabler. It partnered with BNP Paribas Leasing Solutions, a trusted name in agricultural finance, for its expertise and customised financing solutions. Impressed by BNP Paribas Leasing Solutions’ asset management support, tailored financing plan, and swift execution, Polvanera capitalised on government subsidies for technological innovation. This dynamic collaboration facilitated the acquisition of the advanced robot, paving the way for Polvanera’s green transformation. 

“The vast knowledge and experience that BNP Paribas Leasing Solutions has of the agricultural industry saw us secure the finance we needed quickly and efficiently.  Its support and guidance enabled us to not only source the best equipment for our business and ambition, but to help our long-term sustainability objectives.”

Filippo Cassano, Founder, Polvanera

The benefits

  • Sustainable viticulture: The robot optimises grape cultivation, minimising emissions and resource consumption. 
  • Enhanced productivity: Automation streamlines processes, leading to increased efficiency and grape quality. 
  • Elevated brand image: Polvanera’s commitment to sustainability resonates with eco-conscious consumers, strengthening its brand identity. 
  • Market leadership: This pioneering approach positions Polvanera as a forerunner in sustainable winemaking, inspiring others in the industry. 

The challenge

Since patients often visit MedicalES in sensitive and stressful situations, the team identified the need to invest in advanced healthcare equipment to make the clinic experience better for patients undergoing medical imaging procedures. 

The solution

To meet this challenge, MedicalES collaborated with BNP Paribas Leasing Solutions to obtain financing for a cutting-edge imaging device. This new equipment was intended for installation in their recently established clinic, highlighting their dedication to offering patients the latest technology and optimal comfort during medical examinations.   

“Through financing new equipment through BNP Paribas Leasing Solutions, we’ve not only been able to continue to provide our patients with the very best imaging technology on the market, but have consequently achieved the status of top clinic in Bucharest – of which we’re very proud”

Doctor Iulian Popescu, MedicalES

The benefits

Through careful planning and collaboration with BNP Paribas Leasing Solutions, the equipment financing solution yielded several key benefits for MedicalES : 

  • The financing facilitated the acquisition of the newest and most efficient medical imaging technology, ensuring that patients had access to state-of-the-art diagnostic tools. 
  • The incorporation of advanced imaging equipment significantly improved the experience for patients undergoing sensitive investigations. The upgraded technology allowed for more accurate diagnoses while minimising discomfort. 
  • The successful implementation of the state-of-the-art imaging device helped to position MedicalES as the number one imaging service provider in Bucharest. This achievement not only validated their commitment to excellence but also enhanced their reputation within the healthcare sector. 

The challenge

Driven by a commitment to remarketing and a vision for a circular economy, the partner aimed to integrate sustainability into their business model. They sought a financing solution that would support their goals while fostering healthy rental sales for both new and second-hand equipment. Turning to BNP Paribas Leasing Solutions, they explored a rental offer with an appealing buyback option. 

The solution

Collaboratively, we devised a financing solution enabling our partner to procure trucks directly from manufacturers and offer them on a rental basis to customers. The rental package encompasses rental, insurance, and maintenance, ensuring comprehensive coverage and budget certainty for customers.  

“Collaborating with BNP Paribas Leasing Solutions means we can now meet our financial obligations while providing customers with the equipment they need, when they need it, and at a monthly cost that suits their requirements.”

Business manager at the partner company

The benefits

  • Integration with our LeaseON platform helped to streamline the financing process for our partner, enhancing the customer experience. 
  • The rental product provided improved financial liquidity, optimising our partner’s business operations. 
  • By entrusting non-core activities like credit management to BNP Paribas Leasing Solutions, our partner can concentrate on core business functions. 

The challenge

Seeking to strengthen its market position in the agricultural equipment sector, the manufacturer recognised an opportunity to assist its customers in acquiring their equipment by offering equipment leasing solutions. The manufacturer approached BNP Paribas Leasing Solutions with the goal of creating a dedicated retail finance programme, aiming for a simplified credit application process to increase efficiency and customer satisfaction. 

The solution

To empower the dealer network and drive business growth through increased equipment sales, BNP Paribas Leasing Solutions introduced LeaseON, a cutting-edge web-based tool that : 

  • Standardises finance agreements, helping to simplify the process for both dealer and customer. 
  • Enables faster, slicker transactions helping to reduce sales cycles and accelerate order fulfilment. 
  • Offers a one-stop-shop experience that integrates equipment financing and insurance for peace of mind. 

“Partnering with the BNP Paribas Leasing Solutions team allowed us to equip our dealers with efficient digital solutions and comprehensive leasing solutions for customers, leading to mutually beneficial outcomes for all stakeholders.”

Senior manager at the manufacturer

The benefits

  • Dealers: Enhanced automation and digital services free up valuable time traditionally spent on paperwork, allowing them to focus on building relationships with customers, providing expert advice, and closing more deals. 
  • Customers: Experience a one-stop-shop approach for acquiring essential equipment. This simplifies the process by integrating financing and insurance services into a single, convenient solution. 

The challenge

As their delivery fleet matured, Téréva sought renewal that aligned with their core values. Guided by their four-pillar sustainability roadmap (responsible employer, environmental preservation, responsible purchasing, and positive local impact), they craved a solution that was both practical and sustainable.

The solution

BNP Paribas Leasing Solutions rose to the challenge with a customised fleet renewal plan that aligned with Téréva’s sustainability roadmap. The solution comprised:

  • 3 electric trucks: Pioneering clean delivery while reducing noise pollution.
  • 12 B100 (biodiesel) vehicles: Lowering carbon emissions and supporting renewable energy sources.
  • 3 trucks: Ensuring versatility and meeting operational needs.
  • 1 trailer: Optimising delivery logistics and enhancing efficiency.
  • 10 shipping containers: Securely holding goods while minimising environmental impact.

This multifaceted approach not only modernized Téréva’s fleet but also reduced their carbon footprint, aligned with their responsible purchasing principles, and positioned them as a leader in sustainable business practices.

“BNP Paribas Leasing Solutions demonstrated a true understanding of our requirements – both long and short term. With their own social and environmental commitments, and their specialist knowledge of our market, they were the natural choice of finance partner.”

Business manager, Téréva

The benefits

  • Reduced carbon footprint : Demonstrates Téréva’s commitment to environmental responsibility.
  • Enhanced brand image: Their pioneering efforts in sustainable delivery resonate with customers and solidify their position as a forward-thinking company.
  • Operational efficiency: The diversified fleet ensures optimal delivery capabilities while minimising resource consumption.
  • Employee engagement: Contributing to sustainability goals fosters increased employee satisfaction and pride in their work.