Anna Golikova, Director of Sales Development at Interleasing Group, spoke at the “Real MINING” conference about financial instruments that make it possible to renew equipment fleets even under challenging market conditions.
Interleasing has been operating in the Russian market for more than 25 years, and one of its key business areas is financing specialized equipment. This year, earthmoving and mining machinery accounted for more than 30% of the company’s new business.
In 2025, the Russian market saw a decline both in the specialized equipment segment and in the leasing industry. However, this downturn has a specific feature: in quantitative terms, leasing volumes decreased less significantly than in monetary value.
“This indicates an unprecedented situation where equipment prices on the market are declining. This is partly due to the inventories held by leasing companies,” Anna Golikova noted. Leasing companies aim to sell repossessed assets as quickly as possible, which allows customers to purchase pre-owned equipment at attractive prices while remaining confident in the legal transparency of the transaction.
Note: Assets owned by one leasing company can be acquired through another leasing company, combining an optimal equipment price with favorable leasing terms. Another interesting instrument is the purchase of lease assignments, which makes it possible to acquire equipment with low operating hours under earlier, more advantageous rates.
Speaking about the main programs offered by leasing companies, Interleasing distinguishes between the “express product” and “individual review” options. The express product offers fast decision-making and a minimal document package, which comes with financing limits of up to RUB 75 million. The second option involves a comprehensive analysis of the client’s financial and business activities and provides more flexible terms.
In both cases, Interleasing offers various payment schedules: equal installments, decreasing payments, and seasonal schedules, including options with a single payment per year.
Another way to optimize leasing costs is to choose between a floating or fixed interest rate. Previously associated mainly with bank lending, this instrument has now become an integral part of many leasing products. A floating rate is beneficial when a decrease in the key interest rate is expected, while a fixed rate is preferable when an increase is anticipated.
Among other cost-saving measures used by market participants, the expert highlighted shorter leasing terms, which imply a higher down payment and a faster repayment schedule.
Finally, buyers should pay close attention to special offers, including joint programs between suppliers and leasing companies. “Today, it is no longer leasing companies approaching suppliers with requests for joint programs; instead, suppliers themselves initiate special conditions,” the speaker emphasized.
Interleasing has been operating in the Russian market for more than 25 years, and one of its key business areas is financing specialized equipment. This year, earthmoving and mining machinery accounted for more than 30% of the company’s new business.
In 2025, the Russian market saw a decline both in the specialized equipment segment and in the leasing industry. However, this downturn has a specific feature: in quantitative terms, leasing volumes decreased less significantly than in monetary value.
“This indicates an unprecedented situation where equipment prices on the market are declining. This is partly due to the inventories held by leasing companies,” Anna Golikova noted. Leasing companies aim to sell repossessed assets as quickly as possible, which allows customers to purchase pre-owned equipment at attractive prices while remaining confident in the legal transparency of the transaction.
Note: Assets owned by one leasing company can be acquired through another leasing company, combining an optimal equipment price with favorable leasing terms. Another interesting instrument is the purchase of lease assignments, which makes it possible to acquire equipment with low operating hours under earlier, more advantageous rates.
Speaking about the main programs offered by leasing companies, Interleasing distinguishes between the “express product” and “individual review” options. The express product offers fast decision-making and a minimal document package, which comes with financing limits of up to RUB 75 million. The second option involves a comprehensive analysis of the client’s financial and business activities and provides more flexible terms.
In both cases, Interleasing offers various payment schedules: equal installments, decreasing payments, and seasonal schedules, including options with a single payment per year.
Another way to optimize leasing costs is to choose between a floating or fixed interest rate. Previously associated mainly with bank lending, this instrument has now become an integral part of many leasing products. A floating rate is beneficial when a decrease in the key interest rate is expected, while a fixed rate is preferable when an increase is anticipated.
Among other cost-saving measures used by market participants, the expert highlighted shorter leasing terms, which imply a higher down payment and a faster repayment schedule.
Finally, buyers should pay close attention to special offers, including joint programs between suppliers and leasing companies. “Today, it is no longer leasing companies approaching suppliers with requests for joint programs; instead, suppliers themselves initiate special conditions,” the speaker emphasized.