Advancing growth through strategic partnerships in equipment financing

Since 1997, the joint venture (JV) between CNH and BNP Paribas Leasing Solutions has been empowering customers across Central Europe with flexible, integrated financing. By combining industrial and financial expertise, the partnership helps businesses invest efficiently in agricultural and construction equipment – fuelling productivity, innovation, and long-term customer value.

What began as a financial partnership has evolved into a strategic alliance that strengthens sales, deepens customer relationships, and drives transformation across industries.

“The JV allows us to deliver competitive financing solutions directly integrated with equipment sales,” says Doug MacLeod, President, Financial Services at CNH. “It’s not just about funding – it’s about building loyalty and making financing a strategic business driver.”

Operational excellence through collaboration

One of the JV’s greatest strengths is its collaborative governance model. Regular steering meetings and operational reviews enhance coordination, decision-making, innovation and speed to market.

“These structures improve communication and help us act quickly, streamlining information flows and reducing risk,” explains Florence Roussel Pollet, CEO for the JV. “Together, we adapt our processes to local market realities to maintain operational excellence.”

Digitalisation is also transforming the way the JV operates. New self-serve portals for partners and clients, along with tools to track dealer satisfaction, are streamlining sales cycles and embedding a culture of continuous improvement and consistent customer experience.

“Having a joint venture with a trusted partner has allowed us to grow with certainty of funding and a controlled cost of risk,” adds MacLeod. “Digital tools have made us faster, more agile, and they allow us to provide an exceptional customer experience.”

Financing the future: Sustainability and transformation

As industries transition toward greener, smarter technologies, the JV is helping customers finance sustainable solutions. CNH’s environmental ambitions are reinforced by tailored financial products that support the adoption of alternative energy equipment and circular-economy practices.

“Sustainability is a core focus for us,” notes MacLeod. “We’re developing financial products that support biomethane and electric machines, remanufactured parts, and insurance solutions that protect against climate-related risks.”

These initiatives directly advance CNH’s Environmental, Social and Governance (ESG) strategy – driving both environmental responsibility and customer resilience.

Supporting new business models

The rise of connected equipment and service-based models is reshaping how customers finance and use machinery. The JV is pioneering flexible options – such as rental and pay-per-use models – integrated with data-driven services that enhance total cost of ownership and customer experience.

“Our latest-generation machines are fully connected,” says MacLeod. “This creates opportunities for innovative financing models and positions our sales teams as trusted advisors who understand customers’ operational and financial needs.”

A shared vision for the future

Within the JV, roles are clearly defined yet deeply complementary. CNH leads on sales and marketing, while BNP Paribas Leasing Solutions manages underwriting, funding, and customer service. Many functions are co-managed, underpinned by a strong ‘One Team’ mindset that has been developed and reinforced over the years.

“We each bring our strengths to the table,” says Pollet. “The key is collaboration and trust – working together toward a single goal: supporting customers and helping them grow.”

As industries continue to evolve toward sustainability, connectivity, and intelligent mobility, the CNH–BNP Paribas Leasing Solutions JV will remain a cornerstone of customer value – combining industrial expertise and financial innovation to help businesses invest, grow, and transform for the future.