The number of companies qualifying for leasing funding with avey small down payment has dwindled in the past year and only firmswith a very sound financial situation, high share capital andprofit, can now buy cars or equipment with a down payment of 5 to15%, financers say. Prior to the crisis, all leasing firms appliedthis minimum down payment level, but now most firms ask clients topay 20-40% of the value of the financed good even though leasingdemand is still very low. This way, financers are sure they canrecoup as much of the granted sum as possible in case clients canno longer pay instalments. "Speaking of new clients, we need 'solidfigures' to finance them with a minimum down payment. We cannottrust only Central Credit Register information, we must alsoanalyse all the figures, and they need to be very good," explainsFabio Razzeto, general manager of Afin Leasing, one of the biggestfinancial leasing companies. The first indicator Afin looks at whenit grants funding is share capital level, and then companies'indebtedness level.
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