SOFI Società Fiorentina Leasing delivers flexible, non-bank leasing and financing solutions for SMEs, corporates, and independent professionals. From commercial vehicles and industrial machinery to office equipment and technology assets, we structure leasing agreements that match your operational reality. Our team combines deep financial expertise with a commitment to straightforward, transparent terms.
We finance a broad range of business equipment — from IT infrastructure and office systems to specialised professional tools. Our leasing structures allow companies to access the equipment they need without tying up working capital, preserving liquidity for core operations.
SOFI offers tailored leasing plans for light commercial vehicles, heavy goods vehicles, and entire delivery fleets. Whether you operate a single van or a multi-vehicle logistics network, we design agreements that align monthly payments with your revenue cycles.
Heavy plant, production-line machinery, and manufacturing equipment represent significant capital outlays. Our industrial leasing programmes spread those costs over structured terms, enabling your business to upgrade capacity without disrupting cash flow.
Medical practices, legal firms, architectural studios, and other professional services can lease the specialised equipment critical to their work. SOFI structures agreements that respect the billing cycles and income patterns unique to professional sectors.
As a non-bank financial leasing institution, SOFI is not constrained by the rigid credit criteria that often exclude growing SMEs. We evaluate each application on its operational merits, allowing us to say yes where traditional lenders cannot.
Every leasing agreement issued by SOFI is written in plain, auditable language. There are no hidden fees, no penalty clauses buried in footnotes, and no surprise end-of-term charges — only the terms you agreed to at signing.
Our in-house credit team processes SME applications with efficiency, typically delivering an indicative decision within 48 business hours. Speed matters when a machine needs replacing or a vehicle fleet must be expanded to meet a new contract.
SOFI supports leasing agreements on assets deployed across multiple European jurisdictions, making us a practical partner for businesses operating cross-border or expanding into new markets.
Rather than purchasing assets outright and depleting reserves, leasing with SOFI converts large capital expenditures into predictable monthly payments. This keeps your balance sheet agile and your working capital available for payroll, inventory, and growth.
We offer seasonal payment schedules, stepped repayment structures, and deferred start options to ensure that leasing commitments align with how your business actually generates revenue throughout the year.
At the conclusion of a leasing agreement, clients may choose to return the asset, extend the lease under revised terms, or exercise a purchase option at a pre-agreed residual value. Every pathway is defined clearly before the contract is signed.