Omaisuusrahoitus

Omaisuusrahoitus, known in English as asset financing, is a type of financial arrangement where a company obtains funds by leveraging its assets. This can involve selling assets outright to a finance company and then leasing them back, or using assets as collateral for a loan. The primary purpose of omaisuusrahoitus is to provide businesses with liquidity, allowing them to access capital that is tied up in fixed assets such as machinery, vehicles, or real estate.

The process typically involves an assessment of the value of the assets. Once the value is determined, the finance provider will offer a loan or lease agreement based on that value. For businesses, this can be an attractive option because it avoids the need for traditional bank loans, which may require extensive credit checks or have stricter eligibility criteria. It also allows companies to continue using the assets they need for their operations.

Omaisuusrahoitus can take various forms, including sale and leaseback agreements, asset-backed lending, and hire purchase. Each method offers different benefits and repayment structures. For example, sale and leaseback provides immediate cash flow while retaining the use of the asset, whereas asset-backed lending uses the asset as security for a loan. This financing method is particularly useful for small and medium-sized enterprises (SMEs) that may have valuable assets but limited access to traditional financing. It helps them to manage their cash flow, invest in growth, or overcome temporary financial challenges.