From a straightforward lease to a fully off-balance Pay-per-Use structure, S.D.L. Süddeutsche Leasing AG designs the financing to fit your balance sheet — not the other way around.
Individual, partnership-based and future-oriented — classic asset finance remains the foundation of what S.D.L. Süddeutsche Leasing AG does, and it's structured deliberately: on-balance or off, ownership at term-end or not, depending on what your finance team actually needs.
Investment with little or no equity contribution. Credit lines stay untouched — the asset is activated on our balance sheet, not yours, for the full contract term.
You take economic ownership from day one and legal title once the final installment is paid — unlocking depreciation and, in some cases, investment grants unavailable under pure leasing.
Convert capital already tied up in owned assets into liquidity, while keeping full operational use — often improving your equity ratio in the process.
| Criteria | Leasing | Mietkauf |
|---|---|---|
| Balance sheet treatment | Off your balance sheet in most structures | On your balance sheet from day one |
| Ownership | Stays with S.D.L. Süddeutsche Leasing AG | Economic owner immediately; legal title at final installment |
| Depreciation | Not applicable to lessee | Available to your business |
| Credit lines | Untouched | Untouched |
| Best fit | Assets you'll refresh or return | Assets you intend to keep long-term |
Simple Pay-per-Use, dynamic pricing, or a fully engineered Asset-as-a-Service structure — each is built as a tailored risk-and-revenue-sharing model, developed together with our technology venture, cap-on.
IoT telemetry measures actual usage — hours run, units produced, or a metric specific to the asset.
Dynamic pricing ties payment to measured usage instead of a fixed schedule, smoothing cash flow with production.
Contracts are structured with an off-balance outcome in view from the outset, reviewed against IFRS 16 and HGB.
Operational risk — downtime, maintenance, residual value — shifts toward the party best positioned to manage it. Combined with IoT monitoring, that typically means lower total cost across the asset's working life, not just a lower monthly rate.
Debt Advisory at S.D.L. Süddeutsche Leasing AG spans the full financing toolkit — designed around your specific structural and financial position, not a standard template.
Financing structures ranging from syndicated credit and working-capital lines to asset-based models and Sale & Lease Back — for both movable and real assets.
Tailored strategies that optimize capital structure and maximize financial flexibility, backed by active risk and liquidity management.
Sustainability criteria embedded into financing structures — improving refinancing terms as investors weight ESG performance more heavily.
One data foundation for managing climate balances and certificates across your asset base.
A clear view of climate-target progress, tracked at the level of your organization.
Machine-level data prepared for use directly in your climate strategy and disclosures.
CO₂ figures reportable per financed machine — ready for CSRD, EU Taxonomy and LkSG requirements.
A short advisory conversation is usually enough to narrow three options down to one.