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Choose the right leasing option based on your company’s size!
Small businesses:
For small businesses, fleet financing is a complex issue. They often face challenges in building capital and acquiring vehicles. Typically operating with limited resources, effective management plays a key role in supporting their growth.
Decision criteria include cost-efficiency, flexibility, and quick adaptation to market changes.
In financial leasing, companies have the option to acquire ownership of the vehicles at the end of the lease period, which increases the company’s assets and provides long-term capital financing. Companies can account for vehicle depreciation and the interest on lease payments as expenses in their accounting. However, this structure requires a higher initial payment to start vehicle financing.
The disadvantage of financial leasing for small businesses is the lack of flexibility, as this structure involves long-term commitment. Additionally, since the company is responsible for maintenance, there may be ongoing costs beyond the regular expenses, and unexpected costs could arise, which are less predictable.
The advantage of operational leasing for small businesses is that they do not need to tie up a significant amount of their capital in vehicle purchases. Moreover, leased vehicles are treated as rental expenses rather than assets in accounting, which results in more favorable financial (asset-related) indicators.
Operational leasing allows companies to expand their fleets according to market conditions and current needs without worrying about long-term commitments or extra maintenance costs. Since the lessor is responsible for maintenance and insurance, there are fewer administrative burdens, saving time and resources that can be used for core activities.
If predictability, liquidity, and operational flexibility are more important for the small business than vehicle ownership, operational leasing (long-term rental) can be an optimal solution.
Medium and large companies:
Decisions regarding fleet management in large companies impact financial planning and internal processes due to the significant fleet size.
In financial leasing, companies can acquire ownership of the leased vehicles at the end of the lease period, and depreciation and interest on lease payments can be deducted as expenses.
However, financial leasing requires a long-term commitment, which may be less suitable in industries characterized by rapidly changing market conditions.
With financial leasing, companies must also take on greater responsibility for maintenance, resulting in additional costs and administrative burdens beyond the lease payments. Additionally, the residual value risk and potential future resale burden of the vehicles remain with the company.
Operational leasing, on the other hand, requires no significant upfront investment, allowing large companies to allocate their capital to other core investments. The lessor handles maintenance and insurance costs, and invoices related to company vehicles are received at the end of each month. This reduces internal administrative workload, enabling the company to focus more on enhancing core activities.
Operational leasing offers greater flexibility, so the vehicle fleet can be quickly expanded or replaced as needs change. This is especially relevant for large companies operating in dynamic markets where rapid adaptation is essential to maintaining competitiveness.
In summary, financial leasing can be advantageous for large companies that want to ensure eventual ownership of vehicles, use them long-term, and benefit from depreciation-related tax advantages. Conversely, operational leasing is ideal for those prioritizing risk reduction, flexibility, and minimizing administrative tasks.
Before making a fleet management decision, companies should evaluate their internal needs and objectives to find the most optimal solution.
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Choose the right leasing option based on your company’s size!
The basics of operational leasing
Frequently asked questions
What is included in the rental fee?
- The basic vehicle rental fee, covering the fundamental costs of vehicle usage.
- Full maintenance service, ensuring the vehicle is always in proper condition for use.
- Seasonal tire sets (winter and summer), including the procurement of premium quality tires matching the mileage, as well as their repair, storage, and valve replacements.
- Mandatory liability insurance (KGFB) and damage coverage service (CASCO).
- Company car tax/vehicle tax.
- 24/7 assistance service to ensure our clients always receive quick and reliable help.
- Use of the MOL MyCarius digital administration system, which simplifies and makes the administration process more clear.
Optional elements include:
- Replacement vehicle service, ensuring our clients’ mobility even in case of vehicle breakdown.
- Driver service, handling the transportation of vehicles to and from maintenance on behalf of our clients.
- Optional deductible GAP insurance,
- fuel card procurement and management,
- and also GPS service.
What happens, if I exceed the mileage specified in the contract?
MOL Mercarius provides transparent terms throughout the contract period, with details of mileage overrun outlined in the framework agreement.
If the specified mileage is exceeded, the client is required to pay a pre-determined overrun fee. To avoid this, we recommend that our clients carefully assess their expected annual mileage before signing the contract. Additionally, we offer the possibility to modify the mileage during the contract period.
Does the contract include insurance premiums?
Yes, the contract includes the mandatory liability insurance (KGFB) as well as the damage coverage service (CASCO). Additionally, the deductible GAP insurance is available as an optional add-on, which can also be incorporated into the monthly fee.
What happens if the rented car breaks down?
Could there be unexpected costs that I haven't anticipated?
Clients using MOL Mercarius contractual packages will not face unexpected costs.
Any additional expenses can only occur due to circumstances beyond our control, such as CASCO deductibles, fines from traffic violations, or charges resulting from changes in legislation or taxes.
These possible costs are clearly outlined within the limits set in the contract.
What unexpected costs may arise when returning the vehicle?
What is the minimum rental duration for a vehicle in this scheme?
What is the maximum rental duration for a vehicle in this scheme?
What maintenance services are included in the contract?
Based on our rental agreement, all operating costs are covered, without exceptions or clauses.
- Regular maintenance: Scheduled periodic services, which are due based on mileage or specified time intervals.
- Tire replacement: Changing tires during seasonal shifts.
- Unscheduled repairs: Within our rental scheme, extraordinary repairs refer to service events beyond the standard factory-recommended revisions. MOL Mercarius goes beyond factory specifications by considering actual operational experience and expected costs.
Minor repairs:
- Bulb replacement
- Refilling fluids
- Windshield wiper replacement
- Battery check/replacement
- Key and battery replacement
Major repairs:
- Brake issues
- Air conditioning failure
- Fluid leaks
- Suspension problems
- Unusual odors or noises
As part of our service, we offer an optional replacement vehicle for our clients, which is available throughout the entire duration of the repair. This ensures that clients do not need to wait at designated service centers and eliminates the need for separate arrangements or negotiations regarding vehicle handover.
Do I have the option to purchase the vehicle at the end of the rental period?
Our retired, well-maintained vehicles from the fleet are transferred to the Mercar Használtautó dealership (Mercarius Mercar Kft.), where there is an opportunity to purchase the vehicle. If requested, we can flexibly accommodate our clients’ preferences and can also discuss the possibility of buying the vehicle before it officially arrives at the dealership. Thanks to this, the previous user of the vehicle can purchase the car at market price outside of the usual process.