Leasing as a starter – Commercial vehicle with a financial lease or operating lease

As a starter, you often do not yet have the means to buy a commercial vehicle. However, there are various ways in which you can still use a commercial vehicle as a starter or even become the owner of a commercial vehicle. In this blog post we take a closer look at financial leasing and operating leasing of a commercial vehicle for starters.

Financial lease commercial vehicle as a starter

Financial lease is a popular alternative to buying a commercial vehicle as a starter. You can lease your commercial vehicle for a fixed amount per month. With this you buy, as it were, a commercial vehicle on installment; at the end of the lease period you are the full owner of the vehicle. One of the advantages of a financial lease is that you can spread the payment, so that you do not lose a large sum of money in one go. In addition, it offers various tax benefits for business drivers, such as investment and interest deductions and VAT recovery. Finally, you maintain liquidity within your company and you can determine the monthly installment yourself. 

Operating lease commercial vehicle as a starter

Operating lease is another option for starters who want to lease a commercial vehicle. The advantage of operating lease is that you don't have to worry much about the commercial vehicle; almost all costs are included in the monthly amount. With an operational lease, matters such as all-risk insurance, repair and maintenance, road tax, roadside assistance and replacement transport are included in the monthly costs. The only thing you still have to pay yourself is the fuel costs. 

Which lease form to choose as a starter?

Which lease form suits you best as a starter ultimately depends on your personal situation. If you do not yet have financial security and you do not yet know exactly how things will go, an operating lease may be a better alternative. If you already have a good financial buffer and ultimately want to become the owner of the commercial vehicle, a financial lease is the better choice. In either case, it's important to consider the cost, included features, and flexibility of the lease form so you can make an informed decision.

Conclusion

Leasing as a starter is a simple and popular way to drive a commercial vehicle. Financial lease and operational lease are two different lease forms that you can use to lease a commercial vehicle as a starter. Determine which lease form suits you best by listing your wishes and needs. Look at the costs, the flexibility of the lease form and the included items to make your choice.