Activity/organization/distribution structure

Equipment leasing and finance leasing are used to finance a significant share of purchases of capital goods and company vehicles.

Equipment leasing is where a company enters into a lease contract between a company and a financial institution for a specified time. The company has the right to purchase the equipment at the end of the contract. The company therefore leases the equipment and can also purchase it outright at the end of the contract for a specified price. Another funding solution, finance leasing is an arrangement whereby the lessor does not have the option from the outset to purchase the equipment when the contract expires.

Crédit Mutuel Alliance Fédérale operates in the equipment leasing sector through its subsidiary Crédit Mutuel Leasing. Its solutions are distributed via its two distribution networks:

  • the Crédit Mutuel banking network, under the Crédit Mutuel Leasing brand;
  • the CIC banking network, under the CIC Leasing brand.

Crédit Mutuel Alliance Fédérale also markets leasing solutions through a network of approved partners (builders and distributors) via CCLS. The Crédit Mutuel Leasing entities and Crédit Mutuel make up one business line with complementary and multi-channel services.

To view all the products in the range (leasing, financial leasing, long-term leasing, scalable leasing, etc.), click below :

Products/proposed services

With over 50 years' experience as a specialist in the financing of equipment and vehicles, Crédit Mutuel Leasing and CCLS offers leasing, standard hire purchase, hire purchase with balloon payment, fixed-term leasing, lease financing and long-term leasing solutions tailored to the investment projects of personal customers, professionals and businesses in France and overseas.

In France, Crédit Mutuel Leasing works on the basis of a mainly decentralized organization in close proximity to the networks and customers, offering leading edge technology, comprehensive expertise and quality advice.

Its bilingual and bi-cultural Crédit Mutuel Leasing teams in Benelux, Germany and Spain provide expert services to corporate customers in the form of dedicated leasing solutions as well as in the form of framework agreements in line with the needs of the parent company and its subsidiaries.

Through its equipment financing and management activities, CCLS works closely with distributors and equipment manufacturers, enabling them to develop their sales through tailored financing programs, while conserving exclusive business relationships.

Key figures in 2020

624 employees

519,362 contracts under management

12 billion in receivables (+4%)

17% of business conducted internationally

Crédit Mutuel Leasing