Leasing with negative BKR
Leasing a delivery van with a negative BKR
Bedrijfswagenleasing has more confidence in entrepreneurs than other leasing companies in the Netherlands. Our company has an acceptance policy that leads to a lease agreement in 95% of all cases, whether you are a starter, self-employed or an SME.
Which commercial vehicle do you choose?
Discover the wide range of Commercial Vehicle Leasing per lease form:
What is a BKR registration?
A BKR registration keeps track of how many loans you have and whether you have paid on time. If you want to take out a new loan, companies can request this information from the BKR. Many fellow leasing companies carry out a financial check before they conclude the lease contract with you. When you have a negative BKR registration, you often do not get through the check.
No BKR test with Bedrijfswagenleasing
We at Bedrijfswagenleasing believe that we should look further than just paying attention to a negative BKR registration. We believe that your creditworthiness cannot be determined by a computer. Bedrijfswagenleasing looks at the possibilities with you to conclude a lease contract, because after all you cannot do business without a commercial vehicle. Our advisers therefore look at the most attractive option for each situation.
Benefits of Operational Lease with a negative BKR
✔️ No capital tie-up on balance sheet: the car remains in the name of the leasing company, so the car does not appear on your company's balance sheet. This improves your balance sheet position and can positively influence your creditworthiness.
✔️ Maintenance and insurance included: Costs such as maintenance, insurance and road tax are included, giving you fixed monthly payments without unexpected additional costs.
✔️ No residual value risk: At the end of the lease period, you do not have to worry about the resale value of the car, because the leasing company bears this responsibility.
✔️ Smooth acceptance: Because the car is on the leasing company's balance sheet, there is often more flexible acceptance for entrepreneurs with a negative BKR registration.
✔️ Flexible terms: Many leasing companies offer flexible terms for operational leasing, which is useful if you do not want to be tied to a long-term contract.
Benefits of Financial Lease with a negative BKR
✔️ Ownership: With financial lease you become the owner of the company car after the term. This means that despite a negative BKR registration you can still invest in building up your own fleet.
✔️ Tax benefit: Leasing costs and interest are often tax deductible, which can provide tax benefits. This helps you save money in the long run.
✔️ Investment deduction: Because the car will be on your balance sheet, you may be able to use investment deductions, such as the Small-scale Investment Deduction (KIA).
✔️ Lower interest rates compared to borrowing: Financial leasing often has lower interest rates than regular business loans, which can be advantageous for entrepreneurs with a negative BKR.
✔️ Flexibility in term and down payment: There are often options to adjust the term and any down payments, so that you can choose a lease structure that suits your financial situation.
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How does a BKR registration work?
A BKR registration keeps track of how many loans you have and whether you have paid on time. If you want to take out a new loan, companies can request this information from the BKR. This helps companies determine if you are making an overly heavy financial commitment that could put you and the company in trouble. If you always meet your agreements, the BKR registration is positive. If you have not fulfilled your financial obligations for a longer period, a negative registration with the BKR may follow. In a number of cases, this negative registration can have an impact on your ability to take out new loans. Consider, for example, taking out a mortgage.
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I have a negative BKR registration
Have you had payment problems in the past, leading to a negative BKR registration? This does not necessarily mean that we do not welcome you as a customer. At Bedrijfswagenleasing, we assess your situation based on confidence in your company. We believe that you as an entrepreneur can properly assess whether you can meet your payment obligations. In addition, organizations are not allowed to simply carry out a BKR test before they offer you a lease contract; you must first give permission for this.
We never do a BKR test and you are welcome to request a quote from us with a negative BKR registration. We give you the opportunity to lease, but we use a payment term of 8 days instead of 30 days.
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Do I receive a BKR registration when leasing a car?
At Commercial Vehicle Leasing you can leasing without a BKR listing receive. So we do not register you with the BKR Foundation when concluding a lease contract.