1. full amortization - everything must be paid off
With classic finance leasing, the lessee is obliged to pay off the full value of the device including all leasing costs - regardless of whether or not they actually take it over later. In addition, there are often hidden additional costs in the small print.

2. Long terms and subscription traps
Leasing contracts usually have a fixed term of at least 36 months. If the contract is not terminated in due time - usually at least three months before expiry - it is automatically extended for further months, quarters or even years.

3. Pre-lease - extra months before the contract starts
If the device is delivered before the official start of the contract, the lessor charges a so-called pre-lease fee. Example: If the contract starts for the next quarter on July 1 and the previous delivery is on April 3, up to three additional monthly installments are incurred - these are charged in addition to the regular term. This quickly turns 36 months into 39 months.

4. Unclear residual value
At the end of the term, a residual value is due, the exact amount of which is not specified when the contract is concluded. In practice, it is often around 10% of the appliance value - but can also be significantly higher. It is therefore impossible to make a precise calculation.

5. Insurance obligation at own expense
The lessee must prove to the leasing company that the device is insured. If this proof is not provided, the leasing company may take out insurance independently - at the customer's expense with commission for the leasing company.

6. Processing fees - often hidden costs
Many leasing providers charge a flat-rate processing fee. Although this is often "removed during the conversation", it often only serves to visually present a discount.

Why Flexing with Flexvelop is the better choice:
‍
✅ No hidden additional costs
All costs are transparent - insurance is already included in the Flex rental.

✅ Clearly calculable residual purchase price
The final cost of the device is transparent from the outset - with 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 residual purchase price is calculated from the original device price, less an automatic discount based on the rental installments already paid.

The following deduction models apply to our core solutions:

-FLEX9+: 70% of the rental payments made are deducted from the purchase price.
-FLEX24+: 50% of the rental payments made are deducted.

100% of the rental payments are tax-deductible as a business expense. Compared to traditional leasing or a bank loan, this has a positive effect on your cash flow - because you don't have to balance or depreciate the rental property.

There are 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 specific residual purchase price from the outset - for maximum planning security and full flexibility at the end of the term.

- FLEX9+: No return fees.
- FLEX24+: An ECO-Invest flat rate of 15% of the original purchase price is charged to ensure sustainable reconditioning of the device.

If the device is returned properly and in working order, no further costs are incurred. Normal signs of use are of course not a problem.

At the end of the minimum rental period, you can buy or return the devices at any time at the end of the month - simply by pressing a button in your customer profile.
‍
As long as you do not select any of these options, the rental contract is automatically extended month by month. This means you remain flexible at all times and can concentrate on your business without long-term commitments.

No, there are no additional fees with Flexvelop. Our model is completely transparent - with no hidden costs or nasty surprises.