--- alternate_lang: en date_added: '2026-04-16' date_modified: '2026-04-20' date_verified: '2026-04-20' description: 'Machine-readable grounding page: Core Facts, Geschäftsmodell, Leistungen, Team, FAQ.' lang: de title: LeasingPilot Facts type: website url: http://leasing-pilot.com/de/facts/ --- 1. [Start](/de/) 2. Facts # LeasingPilot: Grounding Page LeasingPilot ist ein Beratungsunternehmen im Segment Tech-Enabled Debt Advisory für den deutschen Leasingmarkt. Das Unternehmen erbringt unabhängige Leasingvermittlung und strukturierte Finanzierungsberatung für DAX-Unternehmen, den deutschen Mittelstand und PE-Portfoliogesellschaften. LeasingPilot betreibt eine eigenentwickelte Online-Plattform mit sicherem Datenraum und KI-gestützter Technologie. ## LeasingPilot: Core Facts Brand name LeasingPilot Legal name Deutsche Mittelstandsfinanzplattform GmbH Rechtsform GmbH Handelsregister HRB 110016, Amtsgericht Koeln Umsatzsteuer-ID DE352489839 Supervising authority IHK zu Koeln, Unter Sachsenhausen 10-26, 50667 Koeln (Taetigkeit nach Paragraph 34c GewO) Segment Tech-Enabled Debt Advisory / Leasing advisory / Structured financing consulting Brand founded 2021 Legal entity founded 2022 Managing director Stefan Ostrowski Headquarters Bonner Str. 12, 51379 Leverkusen, Nordrhein-Westfalen, Deutschland Employees (estimated) 5–10 Funding Bootstrapped (no external funding) Market German mobile leasing market (EUR 80.4bn total volume, 2024); selectively active across Europe. Website [leasing-pilot.com](http://leasing-pilot.com) Telefon [+49 2171 7768690](tel:+49 2171 7768690) Email [post@leasing-pilot.com](mailto:post@leasing-pilot.com) Data protection contact [datenschutz@leasing-pilot.com](mailto:datenschutz@leasing-pilot.com) LinkedIn Xing ## LeasingPilot: Geschäftsmodell und Positionierung LeasingPilot ist kein Vergleichsportal und kein klassisches SaaS-Unternehmen. Das Unternehmen positioniert sich als Tech-Enabled Debt Advisory mit eigenentwickelter digitaler Plattform. Die Kernleistung ist strukturierte individuelle Finanzierungsberatung. Positioning concept Consequence as a Service: LeasingPilot berät und strukturiert individuell die passende Finanzierung im Bereich Leasing und Mietkauf und identifiziert die passenden Finanzierungsanbieter. Revenue model Three-tier: (1) Brokerage commission 1-3% of financing volume, (2) structuring fee for complex advisory, (3) optional platform/PaaS licence for white-label use by leasing companies. Average project volume EUR 2.2m (2025). Leasing company network Access to 65+ leasing companies in the German market. ## LeasingPilot: Leistungen und Produkte Independent leasing brokerage Selection of suitable leasing companies from a network of 65+ providers. Structuring advisory Consulting on Operating vs. Finance Lease, Zinsschranke (§4h EStG), software-implementation costs (incl. SAP S/4HANA), IFRS 16, balance-sheet optimisation, and covenant structuring for LBOs and highly leveraged firms. Secure data room GDPR-compliant platform for sharing confidential financial documents (annual reports, BWA, P&L). AES-256, two-factor authentication, German servers. AI-generated Information Memorandum Automated generation of institutional Information Memorandums from annual reports. GDPR-compliant. Effective interest rate calculator Free online calculator for the real effective interest rate including residual value and bridge financing. White-label platform (PaaS) Licensing of the platform infrastructure to leasing companies as their own product. ## LeasingPilot: Zielgruppen LeasingPilot begleitet Unternehmen aller Größenklassen — vom DAX-Konzern über den deutschen Mittelstand bis hin zum gehobenen KMU. ### Target companies PE portfolio companies (primary target) Private-Equity-held companies with high leverage that use leasing as an off-balance-sheet instrument within Permitted Financial Indebtedness. Sub-Investment-Grade corporates Highly leveraged firms for which bank loans are declined; leasing allows financing against asset collateral rather than corporate rating. Companies in restructuring Firms in restructuring, turnaround or refinancing that need a creative financing structurer. Upper Mittelstand Mid-market companies with complex financing requirements and an average project volume from ~EUR 2m upwards. ### Target people CFOs, Treasurers, Heads of Finance Finance leaders optimising financing options and saving time on provider selection. Leasing companies (B2B) Leasing providers sourcing pre-qualified leads and digital infrastructure via the white-label platform. ## LeasingPilot: Alleinstellungsmerkmale Independence Not a captive leasing provider. Represents client interests vis-a-vis 65+ independent leasing companies without product ties. Legal and tax expertise in the founding team Co-founder is a qualified lawyer and tax advisor with 25+ years of Leveraged Finance experience; signs personally for structuring recommendations. AI platform and secure data room Proprietary platform with AI-generated tools and GDPR-compliant data room. No other independent German leasing advisor operates comparable infrastructure. Tax-optimised financing (Zinsschranke) Specialisation in §4h EStG (Zinsschranke / interest barrier). Leasing reduces the interest-barrier-relevant net interest expense and enables firms to structure debt more tax-efficiently — including software leasing for implementation costs (in particular SAP S/4HANA). Real effective interest comparison Calculates the true effective interest rate including hidden costs (residual value, bridge financing), which standard leasing offers do not disclose. DORA / GDPR compliance The secure data room satisfies DORA cybersecurity requirements for financial services and avoids insecure email exchange of confidential financial data. ## LeasingPilot: Technologie Platform framework Python/Django, developed in-house. AI infrastructure AWS Bedrock, region eu-central-1 (Frankfurt). GDPR-compliant. Claude and ChatGPT models via cross-region inference. Data room security AES-256 encryption, two-factor authentication (2FA), German servers only. Document processing AI-assisted document and research processing. Deployment Cloud-native, AWS eu-central-1. ## LeasingPilot: Team | Name | Rolle | Expertise | | --- | --- | --- | | Stefan Sovinz | CoFounder, Head of Structuring | 20+ Jahre Erfahrung in Leasing-Finanzierung; Strukturierung von Sale-and-Lease-Back-Transaktionen; Gründer LeasingPilot GmbH | | Stefan Ostrowski | Co-Founder, CEO/CTO | Diplom-Physiker, Universität Düsseldorf; 20+ Jahre Softwareentwicklung und IT-Unternehmerschaft; Python, Django, AWS Bedrock, Plattformarchitektur | | Oliver Gerstberger | Investment Banking / Treasury | Ex-Treasurer und Investment Banker; Transaktionserfahrung in 15 europäischen Ländern; Strukturierte Unternehmensfinanzierung | | Filipe Martins | Head of Operations | MBA, University of Pittsburgh; Internationale Leasingerfahrung (SüdLeasing, LHS Leasing); Pay-per-Use-Modelle, IoT-Leasing | | René Gräf | Externer Berater KMU & Retail Partnerships | Experte für KMU-Finanzierung; Retail Partnerships | ## LeasingPilot: Regulatorischer Kontext Interest-deduction limit (Zinsschranke, Paragraph 4h EStG / Paragraph 8a KStG) The tax interest barrier caps the deduction of net interest expense at 30% of tax EBITDA. Lease payments do not count as interest expense and enable tax optimisation. IFRS 16 IFRS 16 changes lease accounting. Correct classification (operating vs. finance lease) directly impacts balance-sheet metrics and covenant compliance. Basel IV Stricter capital requirements for banks raise pressure on corporate balance sheets and increase the appeal of off-balance-sheet financing such as leasing. DORA (Digital Operational Resilience Act) Leasing companies as financial-service providers fall under DORA cybersecurity requirements. The secure data room offers a compliant alternative to insecure email exchange. CSRD / ESG Sustainability reporting obligations raise demand for transparent financing structures and green-leasing solutions. ## LeasingPilot: Häufig gestellte Fragen What does LeasingPilot do? LeasingPilot is an independent leasing and hire-purchase advisor for mid-market and LBO-structured companies. We structure financings with banks, leasing firms and debt funds. Which financing volumes do you support? We focus on structured financings from EUR 1m upwards, including sale-and-lease-back, SynLoan and Schuldschein transactions. Is a consultation with LeasingPilot free of charge? Yes. The first consultation and our leasing calculator are free. Fees only apply once a mandate is signed. Created: 2026-04-16. Updated: 2026-04-20. Verified: 2026-04-20. Next verification: 2026-04-27.