Equipment finance for a changing world
BNP Paribas Leasing Solutions plays a direct role in supporting the real economy – working alongside businesses that feed, build, move, connect and care for people every day. Our mission is to be a long‑term partner to our clients and partners, supporting their activity through access to essential business assets.
This video explains how we work with businesses across sectors, combining expertise, partnership and a deep understanding of equipment to support growth, resilience and sustainable progress. It reflects our commitment to standing alongside the real economy, today and over the long term.
Watch the video to discover our mission in action.
At BNP Paribas Leasing Solutions, we’re not just financing equipment – we’re shaping a more sustainable future. Our commitment to unlocking the circular economy is at the heart of everything we do, from our innovative leasing solutions to our partnerships with forward-thinking businesses.
We invite you to join us on this journey. Together, we can unlock the potential of the circular economy and sustain the world we share.
Access to equipment plays a critical role in how economies develop, industries transform and societies prosper. Across sectors that feed, build, move, connect and care for people, the ability to use equipment efficiently and responsibly shapes both economic performance and environmental impact.
This video captures the purpose that guides BNP Paribas Leasing Solutions: enabling access to equipment while supporting a shift from traditional ownership models towards usage‑based solutions. By staying engaged throughout an asset’s lifecycle, we help optimise its use, extend its value and reduce waste – contributing to a more circular and lower‑carbon economy.
Our purpose reflects the impact we seek to create alongside our partners and clients every day: supporting growth, enabling transformation and helping businesses transition to more sustainable models.
Watch the video to discover what drives us.
Alternatively click to view in English or French.
At BNP Paribas Leasing Solutions, we’re not just financing equipment – we’re shaping a more sustainable future. Our commitment to unlocking the circular economy is at the heart of everything we do, from our innovative leasing solutions to our partnerships with forward-thinking businesses.
We invite you to join us on this journey. Together, we can unlock the potential of the circular economy and sustain the world we share.
A recent briefing from the European Environment Agency reviewed evidence on how circular economy strategies can contribute to reducing greenhouse gas emissions. One of its most useful contributions is not a headline number, but a framework: impact sits across before use, during use and after use.
For business leaders, this is less about sustainability rhetoric and more about how assets create value over time. Circularity is not just about recycling. It is about how products are designed, how intensively they are used, and what happens to them once their first use cycle ends. Increasingly, these stages are commercially connected.
A significant share of a product’s cost base – and environmental footprint – is determined at the design and production stage. Decisions around durability, repairability, modularity and material efficiency directly affect uptime, maintenance costs and replacement frequency. Manufacturers are already responding to supply chain volatility, material constraints and regulatory pressure. Designing products that last longer and can be upgraded rather than replaced is becoming a competitiveness issue.
Business models influence this. When value is delivered over time rather than captured only at the point of sale, durability and serviceability become commercially relevant.
The “during use” phase is often overlooked in executive discussions, yet it is where significant operational inefficiency can sit. Across sectors, assets are frequently underutilised, replaced earlier than necessary, maintained inconsistently and disconnected from structured lifecycle planning
From a management perspective, this represents idle capital and avoidable cost. Usage-based approaches – including rental, product-as-a-service and performance contracts – shift the focus from ownership to outcomes. Instead of asking “Who owns the asset?”, the question becomes “How efficiently is it delivering value?”
Higher utilisation rates can mean fewer assets are required to deliver the same business output. Extended lifetimes reduce replacement cycles and disruption. Structured maintenance improves reliability and productivity.
Research reviewed by the European Environment Agency suggests that these shifts can contribute to lower emissions by reducing demand for new production. But even without the climate lens, the commercial logic stands: better utilisation improves capital efficiency and operational resilience. Any emissions benefit is a by-product of improved asset productivity – not a standalone claim.
Recycling and recovery remain important, but they rarely compensate for inefficient use upstream. End-of-use outcomes can depend on multiple factors such as:
If assets are deployed within structured frameworks where maintenance and condition are monitored, then refurbishment and redeployment become more viable. For the user, this translates into smoother transitions, less operational disruption and more predictable asset planning. Again, the commercial driver is continuity and efficiency. Environmental gains follow when fewer new products need to be manufactured to replace prematurely discarded ones.
The EEA’s lifecycle framing highlights something practical: the three phases reinforce each other:
Usage-based models operate most directly in the “during use” phase, but they influence the others. When revenue is linked to performance over time, here is greater incentive to support durable design, maintenance becomes structured rather than reactive and asset planning becomes lifecycle-based rather than transaction-based.
This alignment does not automatically reduce emissions. Outcomes depend on sector characteristics, energy systems and user behaviour. But it does create conditions in which lower material throughput – and therefore lower upstream production emissions – become more likely. For general management, that translates into improved asset productivity, reduced operational downtime and stronger collaboration with suppliers. The climate dimension increasingly sits within these operational choices, rather than outside them.
Circular economy discussions can become abstract. The more relevant question for executives is straightforward: How do we extract more value from the assets already in circulation?
These are operational decisions with financial consequences. The European Environment Agency’s research suggests that when these shifts occur at scale, they can also contribute to emissions reduction. The degree of impact will vary, and it should be measured rather than assumed.
No single model guarantees outcomes. What matters is whether lifecycle thinking becomes embedded in commercial decision-making. In that sense, the circular economy is less about waste management and more about asset strategy – and for many sectors, that conversation is already moving from sustainability teams into the boardroom.
(This article was published by Motor Transport on 7 April 2026 and is available in English only.)
As fleet electrification accelerates across Europe, the road haulage sector is entering a new phase. In an article published by Motor Transport, Dr Ouafae Cohin, Global Business Development Manager for Green & Tech Market at BNP Paribas Leasing Solutions, highlights a strong signal: the first electric HGV to cross the English Channel, illustrating the potential of long‑distance electric freight. This momentum is part of a broader context of rapid growth in electric vehicle sales, driven by tightening emissions targets, a widening range of available models, and improvements in total cost of ownership.
The article also points to a major challenge: the growing gap between electric vehicle adoption and the pace of charging infrastructure deployment. The specific needs of the haulage sector, pressure on existing networks, high investment costs and emerging financing models are examined, notably through the rise of “charging‑as‑a‑service” solutions. A must‑read to understand why infrastructure, just as much as vehicles, will be decisive in sustaining the electrification of transport.
Read the full article on the Motor Transport website
[Paris, France –14 April 2026]
BNP Paribas Leasing Solutions, a leading provider of business equipment finance, has signed an agreement with Carrier, global leader in intelligent climate and energy solutions, to establish a strategic financing agreement across Europe. The agreement sets the foundation for a multi-country financing partnership to support Carrier’s commercial customers with financing solutions.
Under this agreement, BNP Paribas Leasing Solutions and Carrier will offer finance leases and hire-purchase solutions for commercial HVAC equipment including heat pumps, chillers, boilers and air handling units. The collaboration is designed to enable Carrier’s European affiliates to deliver equipment to end-users with attractive financing options.
As businesses across Europe face rising energy costs, increasing regulatory pressure and the need to accelerate the transition to more energy-efficient and electrified systems, access to flexible financing is becoming a critical enabler of adoption.
The partnership extends across major European markets such as Germany, France, the United Kingdom, Spain, Portugal, Italy, Austria, Belgium, the Netherlands and Poland, with the potential to reach additional EU countries in the future.
A statement from BNP Paribas Leasing Solutions:
“We are proud to partner with Carrier to make high-quality, energy-efficient equipment more accessible across Europe. This agreement demonstrates how innovative financing can support business growth while contributing to sustainability goals,” said Pascale Favre, Managing Director for BNP Paribas Leasing Solutions’ technology leasing division.
A statement from Carrier:
“This agreement enables Carrier to deploy advanced HVAC systems on a lease basis to our customers, accelerating adoption of more energy-efficient technologies across Europe,” said Marc Eckerhall, Executive Director Services & Aftermarket, Climate Solutions Europe, Carrier.
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About BNP Paribas Leasing Solutions
BNP Paribas Leasing Solutions offers capital-efficient business equipment financing solutions in key sectors including agriculture, construction, transportation, materials handling, ICT, healthcare, and green tech. Drawing on its 70-year history, its partners and clients rely on its market expertise, asset know-how, and advisory services to propel their growth, transformation, and transition to a low-carbon circular economy.
For more information, visit leasingsolutions.bnpparibas.com
About Carrier
Founded by the inventor of modern air conditioning, Carrier is a world leader in high-technology heating, air-conditioning, digital platforms and building automation systems. Carrier provides sustainable solutions, integrating energy-efficient products, controls and service for commercial applications, including data centers, healthcare facilities, schools, retail centers, office spaces and more. Carrier is a part of Carrier Global Corporation, global leader in intelligent climate and energy solutions, committed to creating innovations that bring comfort, safety and sustainability to life. For more information, visit www.carrier.com or follow us on LinkedIn.
Carrier. For the World We Share.
At BNP Paribas Leasing Solutions, our purpose is clear: to unlock the circular economy to sustain the world we share.
This is not a sustainability statement added alongside our business strategy. It reflects how we believe equipment markets are evolving – and where long-term value will be created.
Across Europe and beyond, expectations are changing. Customers want flexibility. Regulators expect longer product lifecycles. Secondary markets are becoming more structured. Equipment is expected to deliver performance over time – not just at the point of sale.
For manufacturers and suppliers, this raises a strategic question:
How do we design commercial models that keep assets productive for longer – while protecting margin and strengthening customer relationships?
Traditional equipment sales are built around ownership transfer.But ownership is not always what customers prioritise. Increasingly, they want:
Usage-based and rental models respond directly to these needs. They also allow OEMs and distributors to:
This is not theory. It is commercial logic aligned with market reality.
Leasing is often seen as a financing solution that supports sales. But in a circular context, it can do more. When structured deliberately, leasing becomes a framework for:
It creates continuity between first use and subsequent use. That continuity is what makes circularity operational – not aspirational.
Unlocking the circular economy requires alignment across the equipment ecosystem.
Our role is to work alongside OEMs, distributors and dealer networks to develop models that are:
This includes supporting:
Through partnerships with manufacturers and equipment suppliers, as well as our collaboration with BNP Paribas 3 Step IT, we are contributing to models that integrate financing, asset management and refurbishment capabilities.
These initiatives are not presented as complete solutions. They are disciplined steps toward more controlled and sustainable equipment lifecycles.
The transition toward circular models will not happen uniformly across sectors. Some manufacturers will move cautiously. Others will test hybrid approaches. A few will shape the standards that others follow. Those who take early steps to integrate usage, lifecycle management and structured redeployment into their commercial strategy can:
The circular economy is not achieved through declarations. It is built through operating decisions.
Our commitment to unlock the circular economy means focusing on what we can influence:
We do not claim that the circular economy is already realised. But we believe it will be shaped by practical collaboration between manufacturers, suppliers and financing partners who are willing to evolve. And we are committed to being one of those partners.
Agriculture and construction are foundational to the real economy. They produce, build and sustain the infrastructure on which communities depend. Their performance is shaped not only by engineering innovation, but by how confidently businesses can invest in that innovation.
Today, the technology exists to make these sectors more efficient and less resource intensive. Smarter machinery, alternative fuels and precision systems are increasingly available. The question is not whether progress is possible – it is how to accelerate adoption in a way that works commercially for customers and strategically for partners.
That is the role of the Joint Venture (JV) between CNH Capital and BNP Paribas Leasing Solutions.
By structuring usage-based financing aligned to operational realities, the JV helps ensure that innovation reaches the field – not just the brochure.
In asset-heavy sectors, equipment decisions are long-term decisions. Operators balance productivity, cost, cash flow and risk. Even when newer models offer meaningful improvements in efficiency or emissions performance, replacement can be delayed if the investment feels disproportionate.
Usage-based models offer a different path.
By aligning payments more closely with how equipment is used, they reduce the burden of large upfront commitments and give operators flexibility to renew fleets at the right moment. Investment becomes progressive rather than disruptive.
For manufacturers and distributors, this creates a more consistent renewal dynamic. Innovation adoption becomes smoother. Relationships extend beyond a single transaction and into lifecycle support.
This is not about shifting ownership for its own sake. It is about structuring access in a way that strengthens long-term performance.
Circular progress depends on assets moving productively through more than one life.
The JV integrates lifecycle thinking into financing design. When equipment is renewed under usage-based structures, it does not simply disappear from view. It is redeployed, remarketed, reused – in a managed way.
This creates tangible benefits across the ecosystem:
Rather than stretching ownership to its limits, the focus shifts to maintaining performance and circulation.
Progress in these sectors is not limited to machinery alone.
Through the JV, financing can also support system-level innovations. For example, methane capture and utilisation technologies developed by companies such as Bennamann enable agricultural operators to convert methane emissions into usable fuel. This reduces waste while reinforcing on-site energy resilience.
Such solutions require practical financial structuring to make implementation viable. Usage-based approaches allow cost to align with operational benefit, supporting adoption without creating excessive financial strain.
This is where financing supports operational transformation – not by imposing change, but by enabling it.
The strength of the JV lies in combining sector expertise with structured financing capability.
CNH Capital brings deep understanding of equipment performance and distribution networks.
BNP Paribas Leasing Solutions contributes funding capacity, structuring experience and multi-market reach. Together, this creates a coordinated model where financing is embedded within industrial strategy.
For partners, it provides a framework that supports innovation rollout and strengthens customer relationships. For customers, it offers access models aligned with how they operate. For the wider economy, it sustains investment in sectors that are essential to growth and employment.
Circular progress does not happen through isolated initiatives. It emerges when commercial models encourage better use of assets over time. When financing is structured around usage and lifecycle:
In this way, circular progress becomes a natural outcome of sound economic design.
By supporting investment in essential equipment, – and structuring usage around real operational realities – the JV supports the strength of the real economy today, while enabling more efficient and sustainable asset use over the long term.
As organisations accelerate their digital transformation efforts, the volume of IT equipment in circulation continues to grow, and so does the challenge of managing it efficiently and responsibly.
At BNP Paribas Leasing Solutions, our purpose “committed to unlocking the circular economy to sustain the world we share” comes to life through concrete actions. One of the most significant is our partnership with BNP Paribas 3 Step IT, a joint venture combining the financial expertise of BNP Paribas Leasing Solutions with the circular lifecycle management capabilities of 3stepIT, a recognised leader in the sector.
Together, we are helping organisations move from traditional, linear consumption models toward a smarter, more sustainable way of financing, using, and renewing technology.
BNP Paribas 3 Step IT was created in 2019 with a clear vision: enable businesses to adopt a more sustainable, secure and financially efficient technology model by embedding circularity throughout the entire lifecycle of IT equipment.
The joint venture empowers organisations to procure devices cost‑effectively, manage them with full transparency, and recover value at end‑of‑use through certified refurbishment and secure processing. This approach supports customers in achieving their operational, financial, and sustainability goals, without compromising one for the other.
The opening of the BNP Paribas 3 Step IT refurbishment centre in Buchelay, France, marks a significant step forward in strengthening Europe’s circular technology infrastructure. Designed to process an initial 200,000 devices per year, with capacity scaling to 400,000 units annually, the centre enables secure, efficient, and compliant handling of IT assets at the end of their first lifecycle.
Here, devices such as laptops, desktops, smartphones, tablets and servers enter a fully controlled process that includes:
This capability reinforces BNP Paribas’ commitment to advancing the circular economy across Europe and supports organisations seeking to reduce electronic waste, extend asset life, and unlock residual value. The centre also upholds strong social commitments by integrating inclusive recruitment practices that support people with disabilities, those in reintegration pathways, and seniors.
Circular lifecycle management is not simply a sustainability initiative: it is a smarter operational model.
When IT assets are financed and managed within a structured lifecycle plafform, organisations benefit from:
This approach helps maintain the value embedded in technology while reducing emissions associated with manufacturing new equipment, a crucial component of modern ESG strategies. It also simplifies compliance with evolving European circularity and e‑waste regulations, an area of growing importance for all organisations.
The centre also upholds strong social commitments by integrating inclusive recruitment practices that support people with disabilities, those in reintegration pathways, and seniors, via its Disability Mission.
Testimonials for Hellowork, such as that of Christophe, an employee recruited through the Disability Mission, highlight the positive impact of these policies: they provide a new professional chance and contribute to the creation of rewarding career paths in technical jobs related to the circular economy.
This new centre perfectly illustrates how practical solutions such as IT refurbishment can support an efficient circular economy, address environmental challenges related to electronic waste, and offer inclusive career paths to our employees.
By combining innovation, sustainability and inclusion, BNP Paribas 3 Step IT and BNP Paribas Leasing Solutions truly help propel the circular economy, in line with our purpose and our vision of a more sustainable and shared world.
Find out more about BNP Paribas 3 Step IT.
At BNP Paribas Leasing Solutions, we believe the circular economy is not achieved through declarations alone. It is built through practical models that prioritise usage over ownership, maximise material efficiency, and extract full value from the resources embedded in every asset.
Our partnership with Aprolis is a clear example of how this ambition is translated into action – turning equipment financing into a driver of durability, reuse, and long-term performance.
The joint venture Aprolis Finance*, created by Aprolis and BNP Paribas Leasing Solutions, is a perfect illustration of this approach.
A subsidiary of the Monnoyeur Group*, Aprolis specialises in full-service rental for material handling equipment. Its business model is rooted in a core circular principle: maximise the intensity and lifespan of each machine before new resources are consumed.
Forklifts and pallet trucks typically have a lifecycle of around 15 years or 15,000 operating hours, enabling two to three successive usage cycles. To fully unlock this potential, Aprolis has invested in a dedicated reconditioning centre in Calais, focused on refurbishing equipment at the end of its first rental contract (after around five years). Rather than replacing assets prematurely, Aprolis extends their productive life, ensuring that the materials, energy, and manufacturing effort embedded in each unit are fully utilised. text, leasing can act as a connector between manufacturers, users, service providers and second-life operators – helping to build more integrated lifecycle ecosystems.
At the Calais centre, machines undergo a complete inspection, refurbishment, and certification process aligned with “Gold and “Silver” quality standards. This includes:
For electric forklifts, refurbishment may also include replacing lead-acid batteries with lithium technology, improving energy efficiency, reducing environmental impact, and extending operational life.
Once reconditioned, equipment is returned to the rental fleet with a warranty. Each additional usage cycle extracts more value from the original materials and significantly reduces the need for new production. After multiple cycles, machines may still serve occasional or secondary needs before being recycled or dismantled for parts reuse at end of life.
This approach can save up to 89% of CO₂ emissions compared with manufacturing a new unit – while delivering reliable, ready-to-deploy solutions for customers. are still developing, they illustrate how usage-based approaches can further align economic and environmental objectives.
“Reconditioning and full‑service rental allow us to combine economic performance with environmental responsibility. It’s a key lever to reduce our impact while meeting the real needs of our clients.”
Benjamin de Castelnau, CEO of Aprolis
For more than 30 years, BNP Paribas Leasing Solutions has supported this model through the Aprolis Finance joint venture.
This long-term financing approach aligns economic performance with material efficiency and lifecycle optimisation. The partnership demonstrates how leasing, when designed with a long-term perspective, becomes a catalyst for sustainable resource use by:
Together, we are proving that usage is not only an economic lever – it is a sustainability lever, enabling businesses to extract full value from the resources they rely on, while building a more sustainable and shared future.
* Aprolis Finance is a joint venture owned 51% by BNP Paribas Leasing Solutions and 49% by Aprolis.
**The Monnoyeur Group is an international family-owned group specialising in the distribution of industrial, energy, construction, and agricultural equipment.
In our first article, Unlocking the Circular Economy Through Use, we shared how our purpose reflects a long-term ambition – and why progressing towards more circular models requires practical, collaborative action.
One of the most important levers in this journey is usage.
At BNP Paribas Leasing Solutions, our purpose commits us to unlocking the circular economy to sustain the world we share. Turning this ambition into reality requires more than intention. It requires business models that support longer asset lifecycles, improved resource efficiency and responsible end-of-use management.
This is not simply a change in terminology. Usage transforms how organisations access equipment, manage it over time and create value. It reshapes incentives and responsibilities across the entire asset lifecycle.
For decades, economic performance was largely built on ownership. In a context of resource constraints, rapid technological change and rising environmental expectations, this model is increasingly under pressure.
At BNP Paribas Leasing Solutions, we advocate a different approach: use better rather than own more. By prioritising performance and longevity over volume, usage-based models help reduce waste and improve asset productivity.
Usage enables organisations to optimise utilisation, extend lifecycles and limit losses linked to underuse or premature obsolescence. It also supports more flexible solutions that can adapt to evolving operational needs.
By design, leasing and rental solutions are based on access rather than ownership. They enable organisations to benefit from high-performing equipment while integrating a longer-term perspective on maintenance, performance and end-of-use management.
Within a usage logic, leasing and rental can contribute to circularity in several ways:
This structured approach helps preserve asset value while improving environmental performance. According to the European Environment Agency, extending product lifespans is among the most effective levers for reducing environmental impact.
In this context, leasing can act as a connector between manufacturers, users, service providers and second-life operators – helping to build more integrated lifecycle ecosystems.
Beyond traditional leasing, more advanced models are emerging, including Product-as-a-Service (PaaS). In these approaches, value is increasingly linked to performance or service outcomes rather than product ownership.
Such models encourage:
They also require adapted financial, contractual and data frameworks to manage long-term performance and risk.
While these models are still developing, they illustrate how usage-based approaches can further align economic and environmental objectives.
As highlighted in our first article, circularity depends on collective action.
Progress relies on close collaboration between manufacturers, distributors, service providers, users and recyclers. No single actor can deliver systemic change alone.
Our role is to help connect these stakeholders, structure sustainable financing solutions and support the maturity of usage-based ecosystems over time.
By supporting this transition, we help organisations balance operational efficiency, environmental responsibility and long-term value creation. We create the conditions for assets to be used more intensively, maintained more effectively and retained within circular systems for longer.
Progress remains gradual. Capabilities continue to evolve. But by working step by step with our partners, we are contributing to the long-term maturity of the circular economy – in line with our purpose to sustain the world we share.