For a transportation company or individual entrepreneur, a truck tractor is an asset that directly impacts freight volumes and business revenue. However, purchasing new equipment requires significant investment, with the cost of modern freight tractors reaching tens of millions of tenge. As a result, some companies postpone fleet renewal, operate their existing vehicles at maximum capacity, or lease the equipment they need without the option to acquire ownership.

Leasing provides a solution: you can put the vehicle into operation immediately while spreading the cost over several years. BCC Leasing offers financing programs for businesses that enable fleet expansion without placing a substantial burden on working capital.

Advantages of tractor unit leasing with BCC Leasing

Why do transportation companies in Kazakhstan choose BCC Leasing?

• Market leader. According to data from the First Credit Bureau, we rank first among the country's leasing companies by the size of our loan portfolio.

• A wholly owned subsidiary of Bank CenterCredit. Financial stability and access to an extensive branch network across Kazakhstan.

• High approval rate. A flexible approach to application review, taking into account the specific characteristics of the transportation industry.

• Tax benefits. Interest under a lease agreement may be deductible for Corporate Income Tax (CIT) purposes, subject to applicable legal requirements. VAT charged on lease payments may be credited against VAT liabilities where the relevant conditions are met.

With us, you can lease a tractor unit without lengthy reviews and approval procedures.

Terms and Conditions for Tractor Unit Leasing in Kazakhstan

The key financing parameters offered by BCC Leasing are as follows:

Interest rate and cost increase

The interest rate ranges from 19.8% to 24.95% per annum, depending on the financing program. The total cost increase depends on the value of the equipment, the down payment amount, and the term of the lease contract. The higher the down payment and the shorter the lease term, the lower the total amount payable under the lease contract. Therefore, the cost of tractor unit leasing is determined individually for each customer.

Leasing  term

The standard leasing term ranges from 13 to 60 months. This flexibility allows businesses to choose a repayment schedule that best suits their business needs: international transportation, regional logistics, or seasonal activities.

Down payment

The minimum down payment starts from 15% to 20% of the asset value. This enables businesses to preserve working capital and allocate funds to fuel, payroll, maintenance, or route development.

Maximum financing amount

The financing limit is determined based on the specifics of each project. Financing may be provided for either a single unit of equipment or multiple units simultaneously.

Contract currency and VAT

All payments are made in KZT and are agreed individually, taking into account the specifics of the transaction and the customer's tax regime. VAT is included in the contract amount.

Application review period

Upon receipt of a complete set of documents, the review process for most projects takes from 7 business days to 2 weeks.

Fees and additional charges

At the application stage, customers receive detailed information about all mandatory fees and charges. As a result, they understand the full cost of the tractor unit leasing service before signing the lease contract and can plan their budget accordingly. The arrangement fee ranges from 0.5% to 1.5%.

How to Lease a Tractor Unit?

The leasing process consists of the following steps:

1. Submit an application through the website or via a representative of the company. 

2. Receive preliminary approval following a review of the applicant’s key information. 

3. Select a tractor unit and agree on the transaction parameters. 

4. Sign the lease agreement and formalise the financing terms. 

5. Make the down payment. 

6. Take delivery of and register the vehicle.

Thanks to this process, customers can lease a tractor unit online, submitting a significant portion of the required documents remotely.

Comparison of tractor unit leasing with alternative financing options

Purchasing a tractor unit using the company's own funds requires substantial lump-sum costs and may reduce business liquidity. A bank loan often involves more stringent borrower eligibility requirements and may require additional collateral. Rental may be suitable for short-term needs, but it does not allow a company to build its own fleet.

Leasing combines the advantages of several financing solutions: the equipment can be put into operation immediately, payments are spread over an extended period, and ownership of the asset is transferred to the company upon completion of the lease term.