Four different kinds of funder, four quotes
We do not represent any of them exclusively, and that is what makes the comparison useful. On every request we submit to all four and present the scenarios side by side, including those where the difference between the best and the worst quote exceeds 10% of the total contract cost.
Independent funder
Not owned by any manufacturer. Decides fast and accepts small amounts the others turn down.
When to choose: When the fleet is small or medium, mixes different brands, and speed of decision matters.
Manufacturer funder
A manufacturer's finance arm. Hard to beat when the whole fleet is from the same brand.
When to choose: When the fleet is mostly from a single manufacturer, and especially for infrastructure or volume renewals.
Infrastructure funder
Specialises in large projects and in putting a value on equipment the company already owns.
When to choose: For sizeable infrastructure projects, and whenever there is installed equipment with a value the company wants to turn into cash.
International funder
For deals outside the standard format: step-up rents, staged deliveries, several countries.
When to choose: For larger deals that need structuring, step-up rents, staged deliveries, or contracts involving more than one country.
About our role. ITRENTING presents and compares financing quotes from funding entities, at the request of businesses and professionals. We are not a credit institution, we do not grant credit and we are not the exclusive agent of any funder. The financing decision and the final terms always rest with the funder. As a commercial choice, we do not publicly disclose which funders they are; they are identified to the client within each process.
Why the same deal is priced so differently
Funders do not all compete on the same ground. Some live on volume in small tickets and are set up to decide quickly; others have manufacturer support and achieve rate factors nobody else can match, but only for that brand. Others still only make money above a certain amount and do not look at deals below it.
The practical result is that the cheapest quote changes with the fleet. In a contract for ten laptops of mixed brands, the independent almost always wins. On a hundred thousand euros of infrastructure from a single manufacturer, that manufacturer's funder almost always wins. Without comparing, the company never knows which case it is in.
What we present in each scenario
- Monthly rent, with and without the services included
- Total paid over the contract
- Extra cost compared with buying outright, in euros and as a percentage
- Implicit annual rate
- What happens to the equipment at the end: return, purchase option or renewal
- Terms for early exit and for changing the contract
Whenever buying outright is financially better for the client, we say so in the quote. A badly advised contract lasts three to five years, more than enough time to destroy a business relationship.
What we do and what we do not do
The second list is the one usually missing from websites in this sector, and it is the one that avoids conversations that lead nowhere.
We do
- We submit the same request to four funders of different kinds
- We show the annual implicit rate of each scenario, not just the monthly payment
- We compare the end-of-contract clauses, where the differences hide
- We supply the equipment, if you wish, or finance a quote you already have
- We tell you when buying outright is financially better for you
We do not
- We do not work with private individuals The service is for businesses and professionals in the course of their activity. We do not broker consumer credit.
- We do not accept companies with less than three years of activity Funders require three years of activity and filed accounts. We say so in the first conversation, instead of wasting two weeks preparing an application that will be turned down.
- We do not hide the cost of financing Financing costs more than buying outright. The question is what the company does with the capital it has not tied up, and that calculation is shown, not hidden.
- We do not work exclusively with any funder We present the best offer we can get, whoever it comes from. A badly advised contract lasts three to five years, more than enough time to ruin a business relationship.
Want to see the numbers for your case?
Tell us what you need to equip. We consult the four funders and send back compared scenarios within 48 working hours, with no commitment.