Greater financial freedom with TTL leaseing

Over the last 15+ years on the market we have helped more than 2,000 Estonian businesses channel more working capital into their growth through leasing.

We provide leasing through flexible operating lease agreements.
Choose the right asset from our partner.TTL will purchase it and make it available for you to use with straightforward monthly payments.

Credit options comparison

The purpose of the contract is asset
The ownership of the asset belongs to
The asset is automatically covered with insurance
The monthly payment is reduced by the asset’s residual value
The agreement affects the client’s credit availability
Value-added tax is paid
The risk of owning aging equipment lays on
At the end of contract, the asset can be

Operating lease

USAGE
LESSOR
YES
YES
NO
WITH MONTHLY PAYMENT
LESSOR
RETURNED, ACQUIRED, SWAPPED

Capital lease

ACQUISITION
LESSOR
NO
NO
YES
100% FULL UPFRONT
CLIENT
ONLY ACQUIRED

Loan

ACQUISITION
CLIENT
NO
NO
YES
INTEREST ON THE VALUE-ADDED TAX
CLIENT
ASSET BELONGS TO CLIENT
The purpose of the contract is asset
USAGE
ACQUISITION
ACQUISITION
Operating lease
Capital lease
Loan
The ownership of the asset belongs to
LESSOR
LESSOR
CLIENT
Operating lease
Capital lease
Loan
The asset is automatically covered with insurance
YES
NO
NO
Operating lease
Capital lease
Loan
The monthly payment is reduced by the asset’s residual value
YES
NO
NO
Operating lease
Capital lease
Loan
The agreement affects the client’s credit availability
NO
YES
YES
Operating lease
Capital lease
Loan
Value-added tax is paid
WITH MONTHLY PAYMENT
100% FULL UPFRONT
INTEREST ON THE VALUE-ADDED TAX
Operating lease
Capital lease
Loan
The risk of owning aging equipment lays on
LESSOR
CLIENT
CLIENT
Operating lease
Capital lease
Loan
At the end of contract, the asset can be
RETURNED, ACQUIRED, SWAPPED
ONLY ACQUIRED
ASSET BELONGS TO CLIENT
Operating lease
Capital lease
Loan

Collaborating with
Estonia's foremost brands

Why opt for operating lease?

Peace of Mind

All assets are covered by insurance throughout the rental period.

Stability

The monthly payment remains fixed for the entire rental period.

Flexibility

At the end of the contract, you can return, exchange, or purchase the asset.

Greater Financial Freedom

We believe a company should not tie up its free capital in assets that lose value over time but instead pay for the asset through monthly payments. The freed-up capital can be used for other essential expenses, such as payroll, marketing or purchasing raw materials.