What determines whether a contract includes an initial payment or not?

What is the Outcome of the Risk Assessment?

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  Every company wishing to sign a contract with Ayvens undergoes a preliminary risk assessment process. For this, Ayvens only requires the company’s name, tax number, or company registration number.
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  The outcome of the risk assessment determines whether we can contract with the company with or without guarantees. ​

What Types of Guarantees Are There?

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  Initial Payment: An upfront fee that reduces the monthly rental cost. It can be requested regardless of the risk assessment result.
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  Deposit: A sum paid at the time of signing the contract, which is refundable at the end of the lease term.
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  Parent Company Guarantee: Available for corporate groups. ​

Who Should Consider the Initial Payment Option, and What Are Its Advantages?

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  Choosing an initial payment option allows businesses to secure lower monthly fees by utilizing some available funds. Additionally, 50% of the VAT on the initial payment is reclaimable. This is an excellent opportunity for companies that wish to replace their owned used vehicles with a new operational leasing structure.
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  However, the initial payment is not mandatory (depending on the outcome of the risk assessment), allowing businesses to invest their financial resources in developing their own operations. ​

What is the Typical Amount of the Initial Payment?

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  In most cases, the initial payment is 20% of the net financing value. However, businesses may choose to pay a higher amount, which will further reduce the monthly fee. ​

How is an Initial Payment Different from a Deposit?

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  The initial payment is essentially the “0th monthly fee,” a larger upfront amount that is not refundable at the end of the lease term but proportionally reduces subsequent monthly fees.
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  In contrast, a deposit has no effect on monthly fees and is fully refundable at the end of the lease term.