For procurement managers, CFOs and business owners

Compare your quote.

Add the seller's quote or enter the amount. You see the monthly payment and can request a preliminary decision right away.

01 Your quote

Add a price quote

We look for the amount and the equipment category in the PDF. You confirm both yourself.
Text-based PDF, up to 12 MB and 20 pages. You can also drag the file here.
We read the PDF in your browser. We send the file to Täisteenusliisingu AS only when you press “Request a preliminary decision”.

Quote amount excl. VAT

€

You can also enter the amount yourself.

02 Equipment and period of use

What do you plan to acquire?

Term

Desired buyout price at the end of the term: 17 %

1 %30 %

The higher the buyout price, the lower the monthly payment. We agree the final buyout price in the contract.

Where do you get the lease quote?

All amounts excl. VAT

03 Free cash and payments

Calculation example

Computers · 36 months

Stays at your company's disposal today

–Compared with buying the equipment outright with your own money.

With an operating lease you pay today–0 € down payment, 0 € contract fee

If you buy, you pay today–Equipment purchase price in one go

Today
You start the operating lease
You do not have to pay the whole purchase amount at once.
Next month
First monthly payment –
The first monthly payment is next month. The exact payment date is in the contract.
At the end of the term
You return it or buy it out
You choose according to the contract terms.

Term: –
Contract fee today: –
Buyout price at the end of the term: –

All amounts are excl. VAT. During the operating lease we own the equipment. Maintenance, insurance and other services are not included in the calculation. These are preliminary terms. We send you the actual terms with the quote, and they may differ. All fees are stated in the actual quote. If the operating lease is offered by the seller, the fees also depend on the agreement with that seller.

04 Request a preliminary decision

Identify yourself with Smart-ID or Mobile-ID. Then choose the company you want a limit for. You do not need to enter any other details. The preliminary decision is valid for 90 days and is not a contract.

By pressing “Request a preliminary decision” you send the attached PDF quote and the calculation to Täisteenusliisingu AS. The application opens in a new tab, where you identify yourself and choose the company. We use the quote and the calculation to assess your application, to prepare an operating lease quote and to contact you. The quote may contain personal data, for example the name of the seller or a contact person. We process it to take pre-contractual steps and keep it for as long as our customer data processing principles describe. We will contact you soon with the actual terms, the contract or follow-up questions.

Request a preliminary decision

Read more: free cash over time and what to consider for the equipment

What your money can do

What happens to the freed-up cash over time?

Example based on your assumption

See month by month how much of the money meant for the purchase is left. Add your return assumption to see what using that money in the company could earn.

Expected annual return on free cash

Enter your own assumption. At the start we show the calculation with a 0 % return.

What do you plan at the end of the term?

In this example you cover the monthly payments from the same cash reserve. We calculate the return each month on the money that is left. In the example, the return earned each month can be used as cash. We add it to the cash reserve before the monthly payment is made. If you choose the buyout, we count it as an outgoing payment in the last month.

With your return assumptionWithout return

See the moment: Today

TodayMonth 36

Money left with your assumption–

Return up to that moment–

Money left without return–

Calculation assumptions

The comparison starts with a cash reserve equal to the equipment purchase price. With an operating lease we deduct the contract fee at once, the first monthly payment the next month and the following payments once a month. The monthly return comes from the annual rate you enter. If the cash reserve runs out, we show separately the extra money needed by that moment to cover the payments.

This is a hypothetical cash flow example. The company's past return on equity does not guarantee the same result for the freed-up cash. Using money can also lead to losses. The example does not take into account taxes, other operating costs or the value of the equipment. The money left does not show which option is cheaper overall.

The equipment price is one part of the decision