WELCOME TO ESKA FINANCE – FUTURE OF MICRO AND SMALL BUSINESS LENDINGWe are asset-based loan provider for micro and SMEs with unparalleled industry-specific products and expertise.
ESKA Finance operates on own AI-based scoring platform that helps micro and small businesses obtain access to credit when purchasing cars, trucks and machinery.
Beyond that, we score not only the client, but the machinery we finance – its market value, liquidity on the market and possible expenses related to repossession of such asset in case of client default.
Knowing how hard it is to evaluate micro and small businesses we use alternative data and machine-learning algorithms. ESKA Finance can assess the creditworthiness of clients whose credit scores range from good to non-existent, clients who are underserved by traditional loan processes.
We provide a simple access to car, truck. and machinery finance for small businesses. Fully digital process from applying to signing. As easy as consumer finance and even
- Real time online approval
Feel out a simple form and receive an instant
- Truly global
We finance machinery from any country in
EU to any business in EU
- Better understanding better lending
We know and understand the
machinery we finance
ESKA Finance wants to support Ukrainians and other
immigrants in the EU and help them start their own
Entrepreneurship is a powerful driver of economic growth
and job creation
6.6% of self-employed people in the European Union were
born outside of their country of residence, which is more than
2 million people. Of these, 47% were born outside of the
Access to credit is crucial for entrepreneurs as a lack of
adequate financing is one of the main obstacles to develop a
business. Migrant entrepreneurs without sufficient resources
often face difficulties accessing credit from mainstream
institutions to finance their entrepreneurial ventures. Other
reasons might include lack of credit history/non-transferability
of credit history from other countries, lack of stable residence
status, lack of collaterals, or more stringent criteria set up by
credit institutions for loans to migrant entrepreneurs.
We provide a simple access to finance through leasing and hire purchase programs for used and new machinery
AGE OF LEASED MACHINERY ON THE TIME OF CONCLUSION OF LEASING CONTRACT
Passenger cars – up to 12 years old
LCV – up to 8 years old
Trucks – up to 10 years old
Agricultural machinery – up to 15 years old
Construction machinery – up to 15 years old