grenke at a Glance

Who are we? What is our business model? What makes us special? Get to know us better.

We are the financing partner for small and medium-sized enterprises

We are specialized in small-ticket leasing (with a financing volume of less than EUR 50k per contract).
We operate in over 130 locations
working with 38k resellers
reaching more than 680k lessees
We have a European banking license and
investment grade ratings from Fitch and S&P
The share is listed in the SDAX
Initial public offering in 2000
Founded in 1978
Approx. 2,200 employees

Five reasons for an investment in grenke

Unique and resilient business model

We finance investments of small and medium-sized enterprises. We have been doing so for more than 45 years, with consistently positive group earnings. Our business success is based on the guiding principle of diversification - in terms of properties, sectors, countries and refinancing.

Globally diversified customer portfolio

With well over 680,000 lessees of all levels of creditworthiness, our contract portfolio represents a cross-section of small and medium-sized enterprises - in more than 30 countries with hundreds of different leasing objects worldwide - across over 20 sectors.

Great opportunities for growth

We want to continue to grow and build on a long tradition of growth. Before the pandemic, we grew at double-digit rates every year. With the end of the pandemic, we have resumed this growth journey in leasing new business since the financial year 2022.

More than 45 years of experience in small-ticket leasing

We operate across all sectors and are independent of manufacturers. We master small-ticket leasing. To this end, we use our own scoring procedure based on our broad database for precise analysis and risk-compliant decision-making before concluding leasing contracts.

Scalable business model

Our business model can be applied worldwide and is fully scalable. Standardisation and digitalisation enable a disproportionately low-cost development.

Our market potential

Our market: small tickets

With our business model, we operate in a niche market. Worldwide, however, and therefore in a very large niche.

An example: Europe

Around 25 million small and medium-sized enterprises (SMEs) are registered in Europe. Every second SME already uses leasing, that is about 12.5 million enterprises. We know from our own estimates, that our market share in this segment in our well-developed core markets is about 10%. If we manage to achieve these 10% in the other European markets as well, we would effectively double our customer base from today's 680,000 to around 1.2 million.

Leasing is the trend

More and more SMEs are discovering leasing as a form of financing and enjoying its advantages such as liquidity protection, fast availability, calculable monthly installments and excellent services.

Great growth potential

In addition, there is growth potential from the expansion of our business with existing customers, the strengthening of our sales structures and the further development of our future markets, especially in North America. Also offering new object categories will contribute to even more companies finding suitable lease offers. Who would have thought ten years ago, eBike leasing would be a thing? eBikes contribute already more than EUR 100m in leasing new business.

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Leasing by grenke: In a few steps to success

Our leasing segment comprises all activities related to the Group's leasing operations. The range of services includes financing for SMEs, leasing, service and maintenance as well as the sale of used objects. Our customers can lease a wide variety of items: From IT products such as PCs, notebooks, servers and monitors to software, telecommunications and copying technology or equally medical technology and eBikes. Almost all of our leasing agreements are full amortisation contracts.