Commerz Real Mobilienleasing Leasing makes the future REAL

Equipment leasing – protecting equity and securing liquidity

Making corporate investments without touching capital reserves? Using state-of-the-art technology while reducing costs? Calculating with foresight and settling based on consumption? Exactly: these are just a few of the benefits of our liquidity-preserving property financing.

Whether you want to invest in installations, machinery, equipment or commercial vehicles or finance smaller purchases – we have investment solutions tailored to your needs for all your company’s movable operating assets.

As a manufacturer-independent leasing provider of the Commerzbank Group, we have been a valued partner of German SMEs for over 50 years. With the experience and use of our leasing specialists, we can also find the optimum leasing solution for your company.
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Get a financing offer now

Are you planning to invest in installations, machinery, equipment or commercial vehicles? Would you like to finance a smaller business purchase? Use our leasing calculator to calculate leasing and rent-to-own financing in real time!

  1. Real-time calculation: Simple and fast calculation of an offer with non-binding price indication
  2. Low investment sum: Business investments starting at just 5,000 euros
  3. High flexibility: As there is no commitment to particular manufacturers or suppliers, you can compare leasing and rent-to-own models independently
  4. The best advice: We will be happy to tailor leasing and rent-to-own contracts individually to suit your business needs
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Calculate leasing instalments in real time: leasing calculator

Our services for your business


True expertise

We combine extensive financial expertise with in-depth specialist knowledge of numerous properties and markets. For highly qualified individual advice.


Tailor-made solutions

We offer tailor-made leasing rent-to-own offers based on your requirements. Short decision-making pathways for fast, uncomplicated processing is what makes us stand out.



We keep an eye on the future and focus on solutions that promise success for our customers not only today, but also tomorrow. 

News from the Commerz Real leasing world

Benefits of leasing

Investment leeway and more liquidity

With leasing, fixed assets can be used directly for your company without using equity or other own funds – without negatively impacting on liquidity, credit lines and collateral.

Balance sheet-neutral financing

Lease agreements never affect your balance sheet. Your equity ratio is protected. This allows you to improve your balance sheet ratios and thus also your credit rating.

Tax deductibility

Lease instalments are included in your company’s income statement as operating expenses and are fully tax deductible.

Modern operating equipment

Shortening the term of the lease to less than the normal useful life reduces the obsolescence risk of your fixed assets.

Long-term planning certainty

Unchanging instalments provide a reliable basis for calculation and high planning security. At the end of the term, you decide whether you want to purchase the item, return it or lease it again.

Flexible contract structure

Whether you want to make large investments or finance smaller purchases, lease agreements can be tailored to your individual business needs.

Invest without restrictions

With our commercial leasing offer, you can choose the best products for your company independently and without restrictions. You are not bound to specific manufacturers or suppliers.

The best advice

With us, you will always receive a lease agreement that takes into account the specific requirements of your company. Instalments, terms and special payments can also be individually adapted.
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View lease agreements online

Are you already a Commerzbank corporate customer? Then you can access the leasing portal via your online banking and view your existing contracts!
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Our leasing success stories

"Welcome to the world of equipment leasing.

With our financing solutions, we support the transformation of our customers and make the future real."
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Markus Eismann

Chairman of the Management Board                                         


Jochen Welling           

Managing Director                                   


Oliver Golder              

Managing Director                               

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Action: leasing makes the future REAL

Do you want to know how leasing works and what constitutes real partnerships? Watch our equipment leasing film and learn about two of our best practices. From sweet temptations and sustainable transformation of freight transport – leasing makes the future REAL!

Equipment leasing: the top 7 frequently asked questions

What are the differences between leasing and rent-to-own?

Owner position: The rent-to-own concept relates to a contract in which you have the beneficial ownership of the property used during the term of the contract. On the other hand, title under civil law only passes to you upon payment of the last instalment. In leasing, the entire property, i.e. ownership of the property, beneficial and under civil law, remains with the lessor during the term of the contract. 

Accounting: In the case of a rent-to-own agreement, it is already clear at the beginning that you will take ownership of the property at the end of the term. Therefore, the property is immediately capitalised in your balance sheet and depreciated over its normal useful life. When it comes to leasing, on the other hand, you have an option – depending on the form of contract – to take ownership of the property at the end of the term. The property is therefore accounted for and depreciated by the lessor. You can use the associated balance sheet reduction at the lessee to improve your balance sheet figures. 

Value added tax: Under the rent-to-own concept, the full VAT is payable upon payment of the first instalment. In leasing, on the other hand, each leasing instalment is subject to VAT. If you are entitled to deduct input tax, you can claim VAT from the tax office.  

Impact on P&L: All rent-to-own instalments comprise an interest component and a repayment component. The interest component from the rent-to-own instalments and depreciation is recognised in the income statement. The leasing instalments, on the other hand, are operating expenses in full and are recognised in the income statement. 

Public support programmes: In some federal states – especially in the new federal states – funding programmes are linked to the economic ownership of the property. Therefore, you will only receive the allowances or funding programmes for rent-to-own financing and not for a lease agreement. We will be happy to advise you!  

What is the difference between leasing and an investment loan?

Property ownership: With an investment loan, you are usually the owner of the property during the repayment phase. The financed property belongs to the company’s assets at the latest after the final instalment has been paid. In the case of leasing, on the other hand, an object is provided to you by the lessor for use. The lessor remains the owner of the object during the contractually agreed term of the contract.

Subject matter of the contract: with traditional financing, the loan amount is repaid by means of instalments. With leasing, on the other hand, instalments are paid for the use of a property.

Property collateral: Whether collateral is required for the property in the case of an investment loan is assessed on a case-by-case basis. This decision depends on factors such as creditworthiness, intended use and the term. Leasing is a property-based form of financing with the collateral being the property itself. This collateral value of the leased property in turn has a favourable effect on the risk assessment and pricing.

What is the difference between leasing and rental?

Intention to purchase: in the case of a rental, the lessor provides the lessee with capital goods or intangible assets for use – at fixed monthly instalments and for a specific period. Leasing also includes a financing component – because, depending on the type of contract, it is possible to purchase the property at the end of the term.

Maintenance and servicing: In the case of a rental, the lessor hands over a flawless property at the start of the contractual term. During this term, the lessor is responsible for maintenance and servicing. The difference between leasing and rent is that the lessee has all the rights and obligations that the lessor usually has in the case of a traditional rental. In the case of leasing, the lessee is therefore responsible for repairs and inspections during the term of the contract.

Selection of a property: in the case of a rental, the lessor makes an investment decision with the intention of then being able to inspire a wide range of potential tenants to rent his property. Leasing, on the other hand, takes into account the special requirements of your company and properties can be individually tailored to your business needs.

Which capital goods can be leased?

Most assets can now be acquired through leasing. The basic requirement for a leasing solution is that the asset must be usable by a third party. This means that the leased item must be one that can be used economically by more than one individual, the lessee.
For example:

  • Construction: e.g. excavators and front-end loaders
  • Manufacturing: e.g. machines, plants
  • IT equipment: e.g. PCs and servers
  • Medical technology: e.g ultrasound and X-ray equipment
  • Commercial vehicles: e.g small vans, trucks, forklifts and company cars

How do I get a leasing offer?

If you already know which property you would like to lease, one of our specialist consultants will be happy to create a direct offer for you in a personal discussion. Simply use our online appointment booking to conveniently arrange your preferred appointment. You can find our contact persons on the page of our locations.

What happens at the end of the lease agreement?

This depends on the contract, which can be structured to meet individual requirements. Three options are available, depending on the leasing model: renewal, return or purchase.

Which companies finance investments through leasing?

Leasing is firmly anchored among SMEs in particular. Three out of four small and medium-sized companies regularly consider leasing when planning investments. In fact, more than one in two SMEs always and frequently use leasing. However, leasing is not only rooted in the awareness of SMEs, it is even the dominant form of investment for SMEs and competes with other types of financing. For 40 percent of companies, leasing is the first choice for investment plans, with investment loans clearly behind.

But almost one in three small companies and around one in two large companies are also staunch users of leases.

That’s why we at Commerz Real have been a valued partner of German SMEs for over 50 years as a manufacturer-independent leasing provider of the Commerzbank Group. Since the end of 2017, we have also been supporting smaller companies in the business customer segment in implementing their investment plans.