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Financing business assets through hire purchase.

Financing your
for commercial purposes

The hire-purchase solution for entrepreneurs with ambition and drive

The financing solution for you as an entrepreneur

Why Spardex is the right financial solution for you as an entrepreneur

At Spardex, we believe in you as an entrepreneur. With our alternative financing method, we support your professional journey by offering a clear and accessible way to acquire your business vehicle. We focus on your ambition and potential, making it possible for you to move forward with confidence.

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    12 years active

    For 12 years, we have been supporting entrepreneurs with an alternative form of financing.

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    Every type of business object

    Proven on multiple types of assets: from commercial vehicles to passenger cars and real estate.

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    Fast solution

    Our financing translates into a quick decision process of 48 hours and an acceptance rate of 96% for your file.

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    Down-to-earth realistic entrepreneurship

    We start from your ambition and think along with you based on your growth plan as an entrepreneur.

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    Active in 4 regions

    Spardex finances business objects in Belgium, France, the Netherlands, and Germany.

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    3000 x success

    Already 3000 successful entrepreneurs have preceded you.

Why entrepreneurs choose Spardex

At Spardex, we believe in a world where entrepreneurship is broader than what traditional parties allow. We give every enthusiastic entrepreneur the chance to start their business and guide them through the rapidly changing financial landscape.

We do this because we believe in the power of entrepreneurship. By helping entrepreneurs, they can support other entrepreneurs. Together, we create an impact on the well-being of the economy and of people.

Discover the success stories

For every entrepreneur.

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Spardex offers simple and fast financing options through hire purchase. By working with our own resources, we can respond quickly and effectively to the needs of our clients. This results in a quick decision-making process of 48 hours and an approval rate of 96% on your file.

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Hire purchase financing

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With hire purchase at Spardex, you can acquire the business asset you need in a clear and predictable way. You pay a fixed monthly fee, and at the end of the contract, the asset becomes fully yours. This gives you both stability and the certainty that every payment directly contributes to building ownership.

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Running your business without worry

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Choosing financing with Spardex is choosing for certainty. We meticulously evaluate our selection of business assets based on a series of crucial points. This ensures that you can run your business without worry. That's a crystal-clear promise.

Your financing journey with Spardex

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    You submit an application online

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    You will receive a personalized offer

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    Your contract starts with the down payment.

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    We prepare your business asset to be business-ready

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    At the end of your contract, you are the 100% owner

Convinced? Get in touch and discover the possibilities

From what age can I lease?

From the age of 18, you can obtain financing from Spardex. For leasing a passenger car, we currently require a minimum age of 25 years. This ensures that your car is fully insured and you do not have to worry about losing your investment. Additionally, we limit the power to 200 HP for those aged 25-30 years.

What is hire purchase?

Rent-to-own is a form of installment purchase. You want to buy an object, but you don't have enough funds to pay for the vehicle in full. In that case, rent-to-own is an option. You make a down payment, get the object from Spardex, and then pay the remaining amount in fixed monthly installments.

With rent-to-own, the object is your economic property from the beginning. At the end of the term, the object also becomes your fully paid legal property. This is not something you can say with traditional leasing.

Would you prefer not to use traditional services for financing?

As an entrepreneur, are you looking for financing for an asset in your business, but traditional services question your company’s figures or would you prefer an alternative financing solution? At Spardex, as an ambitious entrepreneur, you do get a chance.

Spardex offers entrepreneurs simple and fast financing solutions through hire purchase. With an efficient process, we ensure a decision within 48 hours and a high approval rate of 96% on applications. This makes business growth faster and more accessible – always with the customer at the center.

Who can come to us for a rent-to-own property?

At Spardex, we create a suitable financing solution for everyone. Whether you are a beginner, a growing entrepreneur, or someone looking for a specific business property. In addition to our own offer, you can also make a proposal yourself.

Why do I have to pay an advance on the financing?

With hire purchase, we always work in a responsible way. To balance the risk, we ask for an advance of at least 20% of the property’s value. This way, your contract can start smoothly and securely.