(This article was published by Motor Transport on 7 August 2025 and is available in English only.)

Cost is often one of the biggest barriers to entry when it comes to adopting new technology andinvesting in electrifying a fleet. We talk a lot about high up front vehicle purchase prices as well as thecost of adequate infrastructure to support these new eHGVs. Andrey Maramzine, chief sustainability officer at BNP Paribas Leasing Solutions, suggests fleets should be approaching this dilemma in adifferent way by making use of product-as-a-service models. Maramzine shared his views with FreightCarbon Zero on how this alternative model works and what needs to happen to accelerate change.

“As CSO, my role is to act as a coordinator to make the most of the organisation and skills that we canleverage to accelerate the transition of our partners, clients and, at the end of the day, society towardsour key environmental targets, bearing in mind a fair amount of pragmatism,” Maramzine says.

Considering the current fleet decarbonisation landscape, he comments: “With a glass half fullmentality, there’s certainly a lot of room to improve and see some strong growth. On the other hand,with the glass half empty, we may be lagging behind our ambitions.” While Maramzine, pictured below,notes the EU and UK remain committed to environmental targets, more needs to be done to stimulatethe market.

Read more…

(This article was published by FoodBev Media on 28 August 2025 and is available in English only.)

Neil Pein, CEO of BNP Paribas Leasing Solutions, speaks to FoodBev about how Product-as-a-Service models can support European farmers facing mounting economic pressures, population growth, climate change and sustainability demands – giving them greater access to cutting-edge technology, financial flexibility and a more resilient future. Discover the full article here.

‘Empty shelf syndrome’ has become all too familiar for shoppers across Europe. Shortages are an almost daily occurrence in food supply, from olive oil to honey and, more recently, items like cauliflower and broccoli. But this empty shelf space is more than just a supply chain hiccup: this is a symptom of deeper-rooted problems in farming.

The farming community is no stranger to hardship braving – unpredictable weather, tight finances, rising production costs and the demands of the land. Incomes are dropping, and many are being forced to close shop altogether. The European Union has seen a huge 37% drop in farms since 2005, with 5.3 million farms disappearing over just 15 years.

At the same time, farmers are facing growing heat to invest in more sustainable farming practices, while many are struggling to make ends meet. Tightening regulations, new policy changes and green subsidies are changing ways of working on farms. Many are racing to play their part in building a more sustainable future – and the stakes are far greater than just keeping shelves full.

Read more…

Featuring insights from Mark Richards, UK Head of Equipment and Logistics Solutions at BNP Paribas Leasing Solutions, this article written by James Huyton first appeared on Farmers Guardian. Discover the full article here.

Financing a future for your farm business

Every business requires capital investment to grow, but with ever-increasing machinery
costs, is it time to revisit the market options beyond the traditional hire purchase route?

Even in a challenging economic climate, farm businesses still require investment to gain efficiencies to both retain and improve their competitive edge.

Payment solutions

With growing equipment costs and often longer payback terms, it is important that businesses not only choose the right piece of
equipment to boost productivity but also choose the most viable payment solution.

Mark Richards, Head of Equipment and Logistics Solutions at BNP Paribas Leasing Solutions helps delve into some of the options agricultural businesses can consider when financing new kit.
The global and UK political playing field has seen some significant changes in recent months, reducing confidence to invest for many small
businesses.

Mr Richards says: “It is not just global economic and political impacts that have affected things. Probably one of the largest impacts of the last 18 months to two years has been weather and the impact on harvest yields.
“In conjunction with that, there have been higher prices driven by inflation and higher prices driven by interest rates on borrowings as
well. So there is a double whammy situation.“

Read more…

Paris, France – 20^th June 2025 – Florence Roussel Pollet has joined BNP Paribas Leasing Solutions effective June 16, 2025, with the view to be appointed President of CNH Industrial Capital Europe. She also joins the Executive Committee of the Equipment & Logistics Solutions International Business Line within BNP Paribas Leasing Solutions. Florence will succeed Mariusz Tarasiuk, who has been appointed CEO of BNP Paribas Leasing Solutions DACH region.

Her appointment will mark a significant milestone for CNH Industrial Capital Europe as it continues to accelerate growth across its core markets. Operating under the CNH Capital and IVECO CAPITAL brands in France, Germany, Austria, Belgium, the Netherlands, Italy, Poland, Spain, and the United Kingdom, the company plays a pivotal role in enabling CNH and IVECO customers to access efficient and flexible equipment financing solutions.

Through its long-standing joint venture with BNP Paribas Leasing Solutions, CNH Industrial Capital Europe offers customised equipment financing programmes including hire purchase as well as finance and operating leases. These solutions play a key role in the sale and deployment of CNH machinery and Iveco Group’s commercial and industrial vehicles, contributing to the growth and strengthened market presence of CNH and the Iveco Group.

Jean-Michel Boyer, Head of Equipment & Logistics Solutions business line at BNP Paribas Leasing Solutions, welcomed Florence’s appointment, stating: 

“I am delighted to welcome Florence to the company. Florence’s extensive background in structured finance, international leasing, and commercial strategy will be instrumental in further strengthening our strategic partnership with CNH and Iveco Group. I look forward to working closely with her to leverage her vast experience and drive additional value for our strategic partners and clients across Europe.” 

Commenting on her appointment, Florence said: 

“I am thrilled to be joining BNP Paribas Leasing Solutions. The company’s deep-rooted partnership with CNH and Iveco Group provides a unique platform for growth. I look forward to working closely with our teams to deliver even more innovative financing solutions and servicing capabilities for CNH and IVECO customers throughout Europe. This role represents an excellent opportunity to leverage our strategic partnership and drive sustainable growth across our core markets while supporting our customers’ operational success.”

Bio 

Florence brings over 30 years of international leadership experience in structured asset finance and equipment leasing. Most recently, she served as Chief Commercial Officer at BPCE Equipment Solutions (formerly Société Générale Equipment Finance), where she led the global sales strategy across 14 operating entities and supervised the group’s operations in the United States, Brazil, China, and Hong Kong. She also held executive responsibility for Corporate Social Responsibility within the company.

Florence is a graduate of ESSEC Business School and holds a master’s degree in business law. Her leadership and track record of driving innovation in financing solutions make her ideally suited to lead CNH Industrial Capital Europe into its next phase of growth. 

– ENDS –

• New partnership to deliver equipment financing for solar and storage solutions across UK and Germany, with plans for wider European rollout.

Hampshire, UK and Paris, France – 10th June 2025 – Segen, a leading global renewable energy equipment distributor, today announces a strategic partnership with BNP Paribas Leasing Solutions to provide tailored end-to-end financing solutions under the Segen Finance brand. 

The new offering will allow commercial and industrial (C&I) end-customers to install solar and energy storage systems with no upfront costs, enabling them to immediately benefit from reduced energy costs and carbon emissions. 

Segen Finance will be available exclusively through Segen’s extensive network of approved C&I installers across the UK and Germany initially, with planned expansion across Europe. Installers will be able to offer tailored lease quotes alongside their technical solutions, delivering a seamless experience for end customers.  

“This partnership addresses one of the key barriers to clean energy adoption—initial investment costs” says Pascale Favre, Head of Technology Lifecycle Solutions at BNP Paribas Leasing Solutions. “By combining our financial expertise with Segen’s technical knowledge and distribution capabilities, we’re making sustainable energy solutions accessible to more businesses while supporting their cash flow management.” 

Nicolas Niedhart, Group Chief Financial Officer at Segen Global, comments: “Our installer network has been asking for integrated financing solutions that make the transition to renewable energy more affordable for their customers. Segen Finance transforms our installers into total solution providers, while allowing their customers to preserve capital for other strategic investments. This partnership represents a significant advancement in accelerating the clean energy transition.” 

Key Benefits for Installers: 

• Complete solution Provider: Installers can now offer financing as part of their installation quote, becoming a one-stop shop for solar and storage solutions. 
• Improved cash flow: Access to Segen hardware at zero cost, enabling installers to free up working capital and scale their businesses more effectively. 

Key Benefits for end customers: 

• Cash-efficient solution: The entire installed system is wrapped in a single lease agreement with fixed, predictable payments for maximum convenience. 
• Capital preservation: Cash reserves can be directed toward other strategic business initiatives. 
• Full ownership: Customers gain complete ownership of the solar solution upon completion of the payment schedule. 
• Spread capex over equipment life. 
• Premium components: All system components will be sourced exclusively from Segen, providing customers with access to audited supply chains, authenticity certifications, and market-leading warranty coverage. 

Ouafae Cohin (left), Global Business Development Manager for Green & Tech Market at BNP Paribas Leasing Solutions, shakes hands to confirm the partnership with Nicolas Niedhart, Group Chief Financial Officer at Segen Global (Intersolar Munich 2025).

About Segen

Featuring insights from Neil Pein, CEO of BNP Paribas Leasing Solutions, this article written by Stuart Stone first appeared on BusinessGreen. Discover the full article here.

‘New money for old stock’: What is ‘recommerce’ and who’s doing it well?

“Recommerce” is short for “reverse commerce” and refers to the buying, selling, or trading of pre-owned goods following their refurbishment or repair. As Phil Kemish, CEO and co-founder at refurbished tech vendor Reboxed, puts it, it basically means “new money for old stock”.

The practice of giving products a second, or even third life, has evolved into an important part of the circular economy that promises to deliver huge environmental and financial gains by reducing waste levels, enhancing resource efficiency, and extending product lifecycles. Many leading brands are now turning not just to used technologies, but also returns, end-of-line inventory, and refurbished fashion, homeware, and tools to expand recommerce operations that are proving popular with consumers. “It’s part of a bigger movement to rebuild retail around reuse,” Kemish tells BusinessGreen Intelligence.

For Neil Pein, CEO at BNP Paribas Leasing Solutions – which provides equipment to manufacturers, farmers, and companies in the ICT, healthcare, and transport sectors – recommerce is a brilliant example of the circular economy in motion. “That might mean refurbishing a used laptop and reselling it or taking back a leased commercial van at the end of a contract, refurbishing and reintroducing it into the market,” he explains.

Read more…

• EIF and BNP Paribas Leasing Solutions sign InvestEU guarantee worth up to €200 million
• Agreement to drive investments by SMEs and small mid-caps in projects focused on climate change mitigation and sustainability
• Deal marks the EIF’s largest multi-country guarantee to date, specifically designed to support energy transition leasing solutions.

The European Investment Fund (EIF), part of the European Investment Bank (EIB) Group, has signed a landmark agreement with BNP Paribas Leasing Solutions to provide a portfolio guarantee of up to €200 million. Supported by the InvestEU programme, this initiative aims to enhance access to business asset leasing solutions for SMEs and small mid-caps across France, Germany, Italy, and Spain.

The innovative partnership aims to accelerate economic development and environmental sustainability by providing financial support for investments in:

• Sustainable mobility
• Energy efficiency
• Green technologies
• Renewable energy projects

“This guarantee agreement with BNP Paribas Leasing Solutions fulfils the core mission of both the European Investment Fund and the European Investment Bank: accelerating innovation and competitiveness for European SMEs while promoting sustainable economic development through tailored financial solutions” said Ambroise Fayolle, EIB Vice-President

Marjut Falkstedt, EIF CEO, highlighted the partnership’s impact: “By joining forces, the EIF and BNP Paribas Leasing Solutions will inject over €200 million in new financing to accelerate innovation and competitiveness among European SMEs across four European countries, and support companies in their transition to low-carbon models. This significant guarantee, backed by the InvestEU fund, underscores the power of joint efforts in strengthening European economies.”

Neil Pein, CEO of BNP Paribas Leasing Solutions, highlighted the strategic importance of the initiative: “We are proud to be part of this strategic partnership that will provide essential financing to SMEs and small mid-caps. This initiative aligns perfectly with our commitment to empowering European businesses with the financial tools they need to grow, innovate, and contribute to a more sustainable economy.”

This milestone agreement represents the EIF’s largest multi-country guarantee for energy transition leasing solutions and marks the first InvestEU-backed guarantee collaboration with BNP Paribas Leasing Solutions.

ENDS 

About EIF

About BNP Paribas Leasing Solutions 

Press Contacts : 

EIB
Christophe Alix, c.alix@eib.org, +33 6 11 81 30 99
Website: www.eif.org – www.eib.org/press – Press Office: press@eib.org
 
BNP Paribas Leasing Solutions
Suhale Vorajee – suhale.vorajee@bnpparibas.com
Lea Sauvage Yenes – lea.sauvageyenes@bnpparibas.com

BNP Paribas Leasing Solutions is committed to unlocking the transition towards a circular economy. We’re collaborating with partners and clients to develop innovative solutions that maximise efficiency, minimise waste, and enable sustainable growth. 

A prime example is our strategic Joint Venture, BNP Paribas 3 Step IT, delivering a comprehensive solution that covers the entire technology lifecycle – from procurement and asset management to responsible decommissioning – ensuring business devices are securely refurbished for their next use. 

In this exclusive interview, our Chief Sustainability Officer, Andrey Maramzine, shares insights on how forward-thinking organisations are revolutionising their approach to technology management to drive greater value while reducing environmental impact. 

Interviewer: How would you characterise technology’s role in today’s organisational landscape? 

Andrey: Technology has become the backbone of organisational agility and competitiveness. While digital needs vary significantly across industries and businesses, technology universally enhances efficiency, productivity, and connectivity. It will undoubtedly remain instrumental in helping organisations achieve sustainable growth and strategic objectives in the years ahead. 

Interviewer: What critical challenges do organisations face in managing their technology assets? 

Andrey: Today’s technology management occurs against a backdrop of urgent challenges: climate crisis, resource constraints, complex global supply chains, evolving cybersecurity threats, and regulatory requirements. 

These factors significantly impact an organisation’s operational resilience and ability to meet stakeholder expectations, making them essential considerations in any technology strategy. 

Interviewer: How does BNP Paribas 3 Step IT help customers navigate these complex challenges? 

Andrey: We’ve developed a comprehensive circular solution that guides customers through the entire technology journey – procurement, asset management, decommissioning, and replacement – within a single integrated service. 

Our Technology Lifecycle Management approach represents a shift in IT asset handling. Through our all-inclusive service contracts, organisations access cutting-edge equipment, manage assets efficiently via our platform, and ensure devices are securely and sustainably refurbished when no longer needed, before being remarketed. 

Interviewer: What compelling reasons should motivate businesses to embrace circular technology management? 

Andrey: The standout advantage is proactive risk management from day one. Organisations immediately address critical concerns – data security, financial optimisation, regulatory compliance, and environmental impact – through a unified solution. 

Our clients recognise that technology investments must deliver strong returns while meeting heightened responsibility standards. Technology Lifecycle Management delivers this balanced approach, combining operational excellence, financial efficiency, enhanced security, and environmental sustainability without compromise. 

Interviewer: Thank you for sharing these insights into solutions making meaningful differences for organisations and transforming technology management practices. 

Andrey: Thank you for the opportunity to discuss these important developments. 

Download our comprehensive whitepaper, ‘The Circular Opportunity: Harnessing the Power of Product-as-a-Service’.

By sharing these perspectives, we aim to champion sustainable growth solutions and progress meaningful conversations with our partners and clients on opportunities presented by the circular economy transition. 

As the global population continues to expand, the construction industry plays a crucial role in meeting the rising demand for housing, infrastructure, and commercial spaces. However, this growth comes with significant challenges, including labor shortages, increasing material costs, and supply chain disruptions. At the same time, sustainability is becoming an urgent concern, as the construction sector accounts for 37% of global emissions and over a third of all waste generated in the EU. 

In our latest report, The Circular Opportunity: Harnessing the Power of Product-as-Service, we explore how the construction industry is shifting toward circular business models to address these challenges. One such model, Product-as-a-Service (PaaS), presents a transformative opportunity for the sector by offering an innovative approach to equipment ownership, resource management, and sustainability. 

Innovations Driving a Sustainable Industry 

Modern, sustainable construction equipment is key to overcoming industry challenges. Technologies such as Machine Learning and Artificial Intelligence are enhancing efficiency and safety, while telematics enables data-driven performance management and remote operations. Additionally, the electrification of construction machinery is helping businesses reduce their environmental impact and comply with evolving regulations, such as diesel bans in certain urban areas. 

A New Approach to Equipment Financing 

Investing in construction equipment requires significant capital, which can be a major barrier to growth. High upfront costs can slow investment decisions, while the long lifespan of machinery impacts sales and revenue for manufacturers. 

The PaaS model addresses these issues by allowing businesses to access construction equipment through planned monthly payments, rather than outright purchase. This model provides customers with essential equipment and support services, such as maintenance, repairs, and data diagnostics, without the financial burden of ownership. 

For manufacturers, this transition from one-time sales to lifecycle services enhances customer relationships, accelerates the sales process, and improves profit margins. By integrating PaaS into their business strategies, manufacturers can create more predictable revenue streams while meeting the evolving needs of their clients. 

Extending the Life of Construction Equipment 

The production of new construction materials is both costly and resource-intensive. Supply chain disruptions and raw material shortages further complicate the process. By adopting a circular model like PaaS, manufacturers can reclaim and repurpose valuable materials, extending the life cycle of their products. 

Under PaaS, customers utilize equipment without the responsibility of ownership, while manufacturers retain control over their products’ entire life cycle. At the end of its use, equipment can be refurbished, resold on secondary markets, or responsibly recycled. This approach helps manufacturers mitigate supply chain risks, reduce waste, and support sustainability goals. 

Building a More Sustainable Future 

As the construction industry continues to evolve, adopting circular solutions such as PaaS can drive both economic and environmental benefits. This model supports Extended Producer Responsibility (EPR) commitments by maximizing product utilization and encouraging durable, sustainable design. 

At BNP Paribas Leasing Solutions, we are committed to facilitating this transition. Through innovative financing programs for used construction equipment, including warranties and maintenance contracts, we are helping our partners build a more sustainable future. While progress has been made, many solutions that will drive the circular transition are yet to be developed. We remain dedicated to working with industry partners to explore new opportunities for growth and sustainability. 

To learn more about how we can support your business in achieving sustainability goals, contact us today. 

For more insights into how PaaS is revolutionizing construction, download our full report. 

The healthcare landscape is undergoing a significant transformation, driven by the need to innovate in the face of mounting challenges. An aging population, a critical shortage of healthcare workers, and persistent budgetary constraints are forcing the sector to seek novel solutions. Amidst this pressure, circular service models, particularly Product-as-a-Service (PaaS), are emerging as powerful drivers of change. 

A New Model for Healthcare Procurement 

The traditional model of healthcare procurement, characterised by upfront capital expenditure for medical equipment, is proving increasingly unsustainable. PaaS offers a compelling alternative, allowing healthcare providers to access cutting-edge technology without the burden of hefty initial investments. Instead, they enter service contracts that encompass equipment usage, maintenance, and operational support. This shift allows for more predictable budgeting, as costs are aligned with actual usage through models like pay-per-scan for MRI machines. 

Beyond financial benefits, PaaS fosters greater efficiency and optimises resource allocation. Asset management software, often integrated into these contracts, ensures equipment is deployed where it’s needed most and maintained proactively. This minimises downtime, extends equipment lifespan, and prevents waste from underutilisation, all crucial factors in a resource-constrained environment. 

The adoption of advanced technologies like robotics and artificial intelligence further underscores the need for flexible procurement models. While these technologies promise to enhance patient outcomes and alleviate staff shortages, their implementation often requires substantial upfront investment. PaaS provides a pathway to access these innovations, enabling healthcare providers to leverage their benefits without straining budgets.  

A Win-Win for Medical Manufacturers 

Medical equipment manufacturers also stand to gain from the transition to PaaS. By shifting from one-time sales to long-term service contracts, they can establish recurring revenue streams and strengthen customer relationships. The ongoing nature of PaaS contracts allows for continuous engagement, facilitating product upgrades, maintenance, and data-driven insights that improve future iterations. 

Furthermore, PaaS aligns with the growing emphasis on sustainability. By incorporating maintenance, repair, and end-of-life services into their offerings, manufacturers can extend the lifespan of their products, reduce waste, and minimise their environmental footprint. Refurbishment and resale programs, facilitated by PaaS, enable the recovery of valuable materials and resources, contributing to a circular economy. 

The Future of Product-as-a-Service in Healthcare 

The adoption of PaaS models is not merely a financial strategy; it represents a fundamental shift towards a more sustainable and efficient healthcare ecosystem. By promoting responsible resource management and fostering innovation, PaaS empowers healthcare providers to deliver better patient care while minimising their environmental impact. As the healthcare sector continues to evolve, circular service models will play an increasingly vital role in shaping its future. 

For more insights into how PaaS is revolutionizing healthcare, download our full report.