Own the Business.
Not the Assets.
The smartest companies in the world run on assets they don’t own. With LEASIT’s operating leases, your capital builds your business — while we own the equipment that runs it.
The world’s best businesses figured this out long ago.
IndiGo
Flies one of the world’s largest fleets — and leases most of it.
Uber
Became the world’s biggest taxi company without owning cars.
Cloud Kitchens
India’s fastest-growing kitchens cook in rented space on leased equipment.
The lesson is simple: revenue comes from using assets, not owning them.
Every rupee locked inside a machine, a truck or a kitchen is a rupee that isn’t buying inventory, hiring people or winning customers. Asset-heavy businesses grow at the speed of their capital. Asset-light businesses grow at the speed of their ideas.
You choose the asset. We buy it. You use it.
You select
The asset your business needs — a truck, a kitchen line, a CNC machine — from the brand and supplier you prefer.
LEASIT purchases it
And remains the owner throughout the lease.
You use it
For a fixed term — typically 2 to 5 years — paying a fixed monthly rental.
At term end, you choose
Return the asset, renew the lease, or upgrade to newer equipment.
How is this different from a loan or hire purchase?
With a loan, you borrow money, buy the asset, owe the debt, and carry the asset until you can resell it. With an operating lease, ownership — and the risks that come with it — stays with LEASIT. You simply pay for use. No loan agreement, no interest rate, no 20–30% down payment, and no asset (or matching liability) weighing down your books.*
*For SMEs reporting under Indian GAAP (AS 19). See FAQs for accounting treatment details.
Eight ways asset light pays off
Your capital stays in your business
A ₹50 lakh machine on a bank loan can demand ₹10–15 lakh as margin money. A lease needs only a modest refundable deposit — the rest keeps working in stock, people and growth.
Your bank limits stay free
A lease doesn’t consume your working-capital limits or term-loan eligibility. When you need bank credit for a big order or busy season, your borrowing capacity is intact.
Rentals match revenue
The asset starts earning from month one, and you pay for it from what it earns. No large upfront drain, no mismatch between when you pay and when you collect.
Every rupee of rental is tax-deductible
Lease rentals are a straightforward business expense — 100% deductible, every month, for the full term. No depreciation schedules, no interest workings.
A cleaner, stronger balance sheet
The asset sits on our books, not yours.* Your return on assets and capital employed reflect your operations — and a healthy debt-equity ratio keeps lenders comfortable.
Zero obsolescence risk
Vehicles get more efficient, machines get smarter, kitchen kit gets cheaper to run. Upgrading at term end is built into the model — never stuck owning yesterday’s technology.
No resale headache
Selling used equipment in India is slow and disappointing. With an operating lease you return the asset and walk away. The residual value risk is ours, not yours.
Faster than a loan
Because the asset secures the transaction and stays in our name, evaluation is quicker and documentation lighter than a typical term loan. Equipment works sooner.
*Under AS 19, applicable to most Indian SMEs.
Lease vs. buy: see the difference
| Buying with a Loan | LEASIT Operating Lease | |
|---|---|---|
| Upfront payment | 20–30% margin + processing fees | Refundable security deposit only |
| Monthly outflow | EMI (principal + interest) | Fixed rental |
| Interest cost | Yes — over the loan tenure | None — it’s a rental, not a loan |
| On your balance sheet | Asset + loan liability | Neither* |
| Tax treatment | Depreciation + interest (declining) | 100% of rental deductible (consistent) |
| Bank borrowing limits | Consumed | Untouched |
| Obsolescence risk | Yours | Ours |
| At the end of term | You own an aged asset; resale is your problem | Return, renew, or upgrade |
| Approval speed | Weeks | Days |
*Under AS 19, applicable to most Indian SMEs. Illustrative comparison; actual terms vary by asset and profile.
What does ₹12.5 lakh of freed-up capital actually do?
Take a ₹50 lakh machine. Buy it and a bank funds 75% — so ₹12.5 lakh leaves your business as margin, plus an EMI of roughly ₹83,000/month. Lease it, and that ₹12.5 lakh stays in your business. Put it to work and the difference compounds, year after year.
Drag to set the asset price and see what staying asset-light frees up.
The assumption
Buy it and a bank funds 75% — so you put up the 25% margin and service an EMI at ~12% over 5 years. Lease it, and that 25% stays in your business.
Capital locked upfront
₹12.5 L
Monthly EMI (~12%, 5 yr)
₹83,400
Capital kept free
₹12.5 L
Upfront
Refundable deposit only
Put that ₹12.5 L to work and it could add
₹7.5 L / year
₹12.5 L × 6 inventory cycles × 10% gross margin.
Illustrative example. Actual rentals, loan terms and returns vary by asset, tenure and business.
Built for businesses like yours
Restaurants & Cloud Kitchens
Commercial ovens, refrigeration, prep lines. Open your next outlet with rentals, not capex.
Logistics & Distribution
Trucks and light commercial vehicles that earn from day one and never sit on your balance sheet.
Manufacturing
CNC machines, packaging lines, compressors. Add capacity for a new order without a new loan.
Healthcare & Diagnostics
Equipment that’s current today and upgradeable tomorrow, where technology never stands still.
Retail & F&B
Display units, refrigeration, fit-outs. Expand to the next location while capital funds inventory.
Construction & Infrastructure
Earthmoving and material-handling equipment matched to project timelines — return it when the project ends.
How LEASIT works
Tell us what you need
Share the asset, brand and supplier you have in mind — or ask us to help you choose.
Get your rental quote
A clear, fixed monthly rental. No hidden charges, no interest-rate fine print.
Quick evaluation
Light documentation and a fast decision on your business profile.
We buy. You use.
LEASIT purchases the asset and delivers it to your business. It starts earning immediately.
Your choice at term end
Return it, renew the lease, or upgrade to the latest equipment.
Frequently asked questions
Compare the full picture, not just the monthly number. Buying costs you margin money upfront, interest over the tenure, the risk of resale loss, and capital that could have been compounding in your operations. When you account for what your freed-up capital earns — and the tax deduction on every rupee of rental — leasing is often the cheaper way to use an asset, even if buying looks cheaper on paper.
You choose: return the asset to us, renew the lease (often at a lower rental), or upgrade to newer equipment on a fresh lease.
Yes. You select the exact asset and vendor; we purchase it on your behalf. You get the equipment you actually want, not what a financier prefers.
Routine upkeep and operating care are typically the lessee’s responsibility, with insurance arrangements agreed upfront in the lease. Every LEASIT lease spells this out clearly before you sign — no surprises mid-term.
Yes. In an operating lease, LEASIT is the owner and claims depreciation; you claim the entire rental as a business expense. Your deduction is consistent every year — unlike depreciation, which shrinks over time.
GST applies on lease rentals, generally at the rate applicable to the underlying asset. Most businesses can claim input tax credit on it, depending on the asset and its use. Our team will walk you through the treatment for your specific case.
For most SMEs reporting under Indian GAAP (AS 19), an operating lease stays off the balance sheet — rentals simply appear as an expense in your P&L. Companies reporting under Ind AS 116 (typically listed or large companies) recognise a right-of-use asset and lease liability. If you’re unsure which applies to you, we’re happy to discuss it with your CA.
This is one of its biggest advantages: a lease is not a loan, so it doesn’t consume your bank limits or term-loan eligibility. Your borrowing capacity stays available for when you truly need it.
An operating lease is designed around use, not ownership. If ownership matters to you for a particular asset, talk to us — we’ll help you structure the right solution for your situation.
Evaluation is typically quicker than a bank loan because documentation is lighter. Once approved, delivery depends on the supplier — for in-stock assets, you could be operational within days.
Your next machine doesn’t need a loan.
It needs a rental plan.
Join the growing number of Indian SMEs choosing growth over ownership.