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German companies in Poland – asset financing in the centre of Europe

Delicious pierogi, goal machine Robert Lewandowski and 14 special economic zones: Poland is not only our largest eastern neighbour, but also an economically strong hub for all of Eastern Europe. Consequently, more and more medium-sized companies are expanding to Poland. Deutsche Leasing supports German, Austrian and Swiss companies in Poland as an experienced local partner. In the financing of direct investments as well as in sales financing.

This is how we support German, Austrian and Swiss companies in Poland

  • Financing of direct investments in machinery and complex production lines.
  • Sales financing as an attractive additional offer for your products.
  • ECA-covered transactions for your export financing (with AKA Bank).
  • Support with the integration of subsidies, insurance and services as part of your financing solution.
  • Assistance on the topics of EU subsidies, law and taxes as well as start-ups (in cooperation with an auditing and consulting firm).
  • Cooperation with the German-Polish Chamber of Industry and Commerce (AHK).

German Desk 360°

Our German-speaking experts will help you find the ideal type of financing solution for your target country.

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German Desk 360° | Customised Financing. Worldwide.

No matter in which industry you operate: You can rely on Deutsche Leasing as an experienced, well-connected partner for a company with financing needs in Poland and 23 other countries worldwide. Benefit from individual financing solutions and a dedicated, qualified, and reliable native-speaking German, Austrian and Swiss Desk.

"Viva Polonia": Attractive location with the best prospects

Eastern Europe, and Poland in particular, has offered German SMEs excellent development opportunities for years. A quarter of Poland's exports and 21 percent of its imports are made with its main trading partner, Germany. Germany is also at the forefront when it comes to foreign direct investment in Poland. Tax advantages, moderate costs and a good infrastructure make the country between the Baltic Sea and the Tatra Mountains extremely attractive. German companies in Poland - just like companies from Austria and Switzerland - often invest in high-tech production facilities and services and build up or expand local research and development capacities.

With precision to success - Bernd Siegmund GmbH

Bernd Siegmund GmbH, world market leader for precision welding tables, has chosen the fast and secure way to finance in Poland: The champion from Oberottmarshausen financed the new milling machine for the plant in Krakow with Deutsche Leasing. The interaction between the company, its bank and Deutsche Leasing's German Desk in Poland worked with typical German precision.

"For a coffee with Daniel Siegmund"

What German, Austrian and Swiss companies need to bear in mind in Poland

A financing project in Poland usually starts with very basic questions:

  • Who can provide me with competent support both in DACH and in Poland?
  • Which financing product suits my project?
  • What legal, tax and bureaucratic particularities need to be taken into account?
  • How can I secure the best conditions?
  • What collateral do I have to offer? Which ones do I get?
  • What obstacles lurk at the linguistic and cultural level?

Advantageous framework conditions for foreign investors

Poland has been a member of the European Union since 2004. Joining the EU has greatly facilitated Poland's economic exchange with its neighbours. In addition, Poland has done a lot in recent years to make the country attractive for foreign investors: There are 14 tax-privileged special economic zones in which investment incentives will continue to be provided until 2026 with tax exemptions and easier access to commercial land. In other parts of Poland, however, it is also easy to start a new business, acquire land, obtain building permits or recruit qualified staff. In addition, wage and price levels are below average compared to the rest of Europe.

Good infrastructure, good funding opportunities

The steadily improving Polish transport infrastructure is increasingly accelerating the flow of goods and materials. In fact, European logistics traffic is characterised by a strong Polish presence: Polish transport companies cover around 20 per cent of the entire transport market in Europe. Poland's attractiveness is also helped by a wide range of EU subsidy programs: Companies investing in eastern Poland, for example, can expect subsidies of up to 70 percent!


Financing in Poland - the right understanding is crucial

Companies wishing to invest and finance in Poland must take numerous special features into account. Polish commercial and tax law in particular is very complex. That is why it is advisable to work with tax experts and lawyers who are familiar with Polish law right from the start. In addition: Poles can communicate well in English, but only a few speak German. Nevertheless, when it comes to financing, it is essential to have a partner who can conduct negotiations in German and Polish. A clear advantage for Deutsche Leasing with its representative offices in Warsaw, Poznań and Wrocław!

Deutsche Leasing financing solutions for companies in Poland

Prior to each financing project, our experts check whether all criteria under applicable Polish law are met.

Operate Leasing On-Balance (LOLF)+

Operate Leasing On-Balance (LOLF) with subsequent purchase obligation is the most common form of financing for German companies in Poland. With this model, the full leasing instalment (capital plus interest) can be claimed as a business expense for tax purposes. Note: Operate leasing under tax law, finance leasing under commercial law (purchase obligation).

Loan (possibly with the integration of EU funds)+

If EU subsidies are to be included in the financing, a loan is often the best choice. The reason for this is that most EU-funded projects require the user to remain the owner of the machinery for the entire duration of the project. In the 14 special economic zones, a loan is often the only option for external financing.

Finance Leasing (LFLF) +

Finance leasing (LFLF) is particularly interesting in Poland when it comes to financing non-standard and second-hand machinery. In individual cases, finance leasing is also permitted in Polish special economic zones. Note: Finance leasing under both tax and commercial law (purchase obligation, similar to German hire purchase).

Operate Leasing Off-Balance according to IFRS, Local GAAP (LOLO)+

Sometimes an Operate Leasing Off-Balance (LOLO) according to IFRS and Local GAAP with a purchase option can be considered for investments in Poland. Note: Operate leasing under both tax and commercial law (purchase option).

Deutsche Leasing makes your financing in Poland very simple

Deutsche Leasing Polska S.A. (DLPL) is a subsidiary of Deutsche Leasing AG and has been in business since 1997. We are currently serving our customers with 3 branches in Warszawa (Warsaw, headquarters), Poznań (Poznan) and Wrocław (Breslau) and 30 highly qualified, mostly multilingual employees. DLPL primarily finances machinery and production lines in the agricultural, construction, printing, plastics and metal industries, as well as transport and logistics.
You can rely on our product knowledge, our asset and industry know-how for the Polish market as well as on fair and transparent financing conditions. Last but not least, with Deutsche Leasing you are relying on a healthy company in the Sparkassen-Finanzgruppe network with a stable capital base and strong financial position.

Get personal advice now

Schedule a non-binding consultation appointment now. For example, as part of our German Desk 360° advisory service.
Even easier: Tell us what you are looking for here in the contact form. Our international experts will be happy to assist you by telephone, video conference or - if possible - in person on site.


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