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What is Business Finance Lease?

Business Finance Lease is a traditional leasing method for “off balance sheet funding”, unless preparing accounts under full International Financial Reporting Standards (IFRS) in which case it will be on Balance sheet. As part of this agreement you pay a fixed monthly rental and have the ability to adjust the payments by altering the advanced rental payment, duration and the optional balloon to suit the requirements of your business.

How does Business Finance Lease work with Stellantis Financial Services?

In the first or primary lease period, you can  tailor your monthly payments to better suit your budget by varying the deposit and duration of the contract or by agreeing a final lump sum (balloon payment) at the end of the primary lease period. The balloon payment is calculated on the anticipated value of the vehicle at the end of the primary lease period. You then have the choice of ending the agreement or entering into a secondary lease period with a peppercorn rental, which is equal to one month's rental payable per year. Your options at the end of primary lease period are explained below.

At the end of the primary lease period, you have the following options:

  • Sell the vehicle to a third party on our behalf
    If choosing this option, you will use the proceeds of the sale to settle any outstanding finance balance. If you sell it for less than the balloon payment value, you’ll have to pay the difference. If you sell it for more then you’ll keep the surplus.
  • Part exchange the vehicle
    Available for a new vehicle with one of our retailers.
  • Return the vehicle
    Return it to us and pay any excess mileage and/or damage charges (if applicable).
  • Extend the vehicle lease
    To enter into a secondary rental period, you’ll need to pay the balloon payment and a peppercorn rental which is equal to one monthly rental, payable every year until you return the vehicle or notify of sale to the third party.

Features & Benefits of Business Finance Lease


  • Business Finance Lease is available on new cars and vans.
  • You’ll receive an agreement tailored to your budget
  • Low initial outlay and a fixed monthly budget over an agreed term
  • Off balance sheet finance – (unless preparing accounts under full International Financial Reporting Standards (IFRS) in which case will be on Balance sheet. Rentals can be offset against tax profits instead (unless preparing full IFRS accounts in which case your accountant should be consulted).
  • If your business is VAT registered, you can reclaim 100% of the VAT on the rentals if the vehicle is used exclusively for business (this includes all vans) or 50% of VAT on the finance element of the rentals if the vehicle is also used privately.

To find out more about the Business Finance Lease offers available, view our manufacturer websites or visit an approved Retailer.

Find a retailer

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