1. Full Amortization – Everything Must Be Paid Off
In a traditional finance lease, the lessee is obligated to pay off the full value of the equipment, including all lease costs—regardless of whether they actually take ownership of it later or not. In addition, there are often hidden ancillary costs listed in the fine print.

2. Long Terms and the Subscription Trap
Traditional lease agreements usually have a fixed term of at least 36 months or more. If the contract is not terminated in writing by the deadline—typically at least three months before expiration—it automatically renews for additional months, quarters, or even entire years.

3. Early Rental – Extra Months Before the Contract Starts
If the device is delivered before the official start of the contract, the lessor often charges a so-called separate “early rental” fee, which is billed additionally after the contract begins.

Example: If the contract starts on July 1 (the beginning of the next quarter) and the device is delivered earlier on April 3, up to three additional monthly payments may be incurred—these are charged on top of the regular term but are not listed as additional costs when the contract is signed. A 36-month term can thus quickly turn into 39 months that must be paid for.

4. Unclear Residual Value
At the end of the term, a residual value becomes due, the exact amount of which is not yet determined at the time the contract is signed. In practice, this is often around 10% of the original purchase price—but it can also be significantly higher. This makes it impossible to arrive at a precise, reliable, and therefore predictable calculation.

5. Mandatory insurance at the customer’s expense
The lessee is generally required to provide proof to the leasing company that the equipment is insured. If this proof is not provided, the leasing company is usually permitted to take out insurance on its own—at the customer’s expense—with a commission for the leasing company.

6. Processing fees—often hidden costs
Many leasing providers charge a flat-rate processing fee. Although this is often “waived during negotiations,” it frequently serves only to create the appearance of a discount.

Why leasing with Flexvelop is the better choice:
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✅ No hidden additional costs
All costs are transparent—insurance is already included in the Flex lease payment.

✅ Clearly calculable residual purchase price
From the start, it’s clear what the device will cost in the end—no surprises.

✅ Maximum flexibility without subscription traps
After the minimum rental period, the device can be returned or purchased at any time at the end of the current month—without excessive extensions.

The remaining purchase price is calculated based on the original equipment price, minus a discount based on the rental payments already made.

For our FLEX plans, the following credit models generally apply and are regularly granted to customers with a reliable payment history:

• FLEX-Rent: 70% of the rental payments made are credited toward the purchase price.
• FLEX-Finance: 80% of the rent paid is credited toward the purchase price.
• FLEX-Lease: 50% of the rent paid is credited toward the purchase price.  

Rent payments are 100% tax-deductible as business expenses. Compared to traditional leasing or a bank loan, this has a positive effect on your cash flow —because you don’t have to capitalize or depreciate the leased property.

There are absolutely no hidden costs or surcharges —our pricing is consistently fair and transparent. The longer you rent, the lower the residual purchase price automatically becomes. Unlike with traditional leasing models or other providers, with us you know the exact residual purchase price from the very beginning —for maximum planning certainty and full flexibility at the end of the term—provided you even wish to make a purchase offer. You are under no obligation to purchase at any time (there is no so-called “right of offer”) and always have the right to exercise your return option after the minimum lease term.

• FLEX-Rent: No return fees.
• FLEX-Finance: No return fees.
• FLEX-Lease: An ECO-Invest flat fee of 15% of the original purchase price may be charged to ensure the sustainable reconditioning of the device. This fee is waived starting in the 36th month.

Provided the device is returned in proper working order, no additional costs will be incurred . Normal signs of wear and tear are, of course, not a problem.

You can submit a purchase request for your FLEX device at any time. The remaining purchase price decreases with each monthly payment. Depending on the FLEX plan you’ve chosen, you can return the device at any time starting from the month indicated.

As long as you don’t choose any of these options, the lease agreement automatically renews month by month—with no subscription trap. This keeps you flexible at all times and allows you to focus on your business without long-term commitments.

No, there are no additional fees at Flexvelop. Our model is completely transparent—with no hidden costs or unpleasant surprises. Just as you would expect from a modern, Hanseatic company.