Financial Lease
Financial lease, also known as Capital Lease, is a type of lease where the lessee assumes the risk & rewards of ownership, however, the legal ownership remains with the lessor. Generally, ownership of the leased assets is transferred to the lessee at the end of lease tenor.
Operating Lease
Unlike financial lease, in operating lease, the lessor retains ownership and responsibility of the asset, while the lessee pays for its use over a period.
Direct Lease
A direct lease is simply where the asset is acquired by the lessor for the lessee from a third party (supplier).
Sale & Lease Back
The arrangement of sale and lease back is when the lessee owns the assets and sells it to the lessor and then leases it back.
Direct Factoring (Domestic)
Represents receivable finance where BM buys the future receivables of its clients against immediate cash. It is also known as domestic factoring when the client and the receivables are transacted domestically.
Supply Chain Finance (Reverse)
SCF Factoring where BM finances the operating purchase needs (Payables) of its clients.
