CLARIS LEASING S.P.A. operates with a defined set of long-term objectives that guide every product decision, every hire, and every client interaction. We are committed to expanding access to structured leasing for businesses that have historically found financial products overly complex or inaccessible. We aim to be the reference partner for companies investing in productive assets — from the first vehicle to a multi-site renewable energy portfolio. Sustainability, both financial and environmental, is embedded in our product development roadmap and in how we manage our own operations. We report transparently on our performance against these goals on an annual basis.
We grow our lease portfolio at a pace that allows rigorous credit assessment for every application, refusing to sacrifice underwriting quality for volume targets. Our internal scoring models are reviewed quarterly against actual portfolio performance to ensure they remain predictive and fair. This discipline protects both our clients and the long-term stability of the company.
CLARIS LEASING benchmarks its rates against market data on a monthly basis to ensure clients receive competitive terms without hidden margin embedded in ancillary fees. All cost components are disclosed in the standardised preliminary information document before any contract is signed. We believe pricing transparency is a basic right of every borrower, not an optional feature.
We actively manage concentration risk across sectors, asset types, and client segments to ensure the resilience of our portfolio through economic cycles. Growth in renewable energy and equipment leasing is a strategic priority that also aligns with national and European investment agendas. Diversification is not just a risk tool — it enables us to serve more clients with more relevant products.
Small and medium enterprises are the backbone of the Italian economy, yet they frequently encounter barriers when accessing structured financial products. CLARIS LEASING has designed its Essential and Business plan tiers specifically to reduce those barriers without compromising on contract quality or client protection. We also support subsidised leasing programmes (Leasing Agevolato) to widen access further.
Our renewable energy leasing product was developed in direct response to the growing number of Italian businesses seeking to reduce energy costs and carbon footprints through owned generation capacity. We work with certified installers and conduct independent technical due diligence on every renewable energy project we finance. Facilitating this transition is both a business opportunity and a responsibility we take seriously.
CLARIS LEASING publishes a comprehensive glossary, FAQ section, and transparency documentation on its website so that clients can make genuinely informed decisions. We train our commercial staff to explain products clearly rather than to close deals quickly, because a well-informed client is a long-term client. Our complaints resolution process is published openly and handled within the timeframes required by regulation.
We maintain a confidential whistleblowing channel accessible to employees, clients, and third parties who wish to report conduct inconsistent with our values or regulatory obligations. Reports are handled by an independent function with no reporting line to commercial management. This mechanism reflects our conviction that institutional integrity requires structured accountability at every level.
We set internal targets for credit decision turnaround times and publish average processing times annually so clients can plan their asset acquisition timelines with confidence. Digital tools allow clients to submit documentation, track application status, and sign contracts without unnecessary in-person visits. Speed is valued, but never at the cost of thoroughness.
Every member of the CLARIS LEASING team participates in a structured annual training programme covering product knowledge, regulatory updates, and client communication skills. We prioritise internal promotion and invest in the careers of people who demonstrate both technical competence and genuine commitment to client outcomes. A knowledgeable team is the most durable competitive advantage in financial services.
We are actively investing in digital systems that reduce manual processing, improve data security, and make the client journey smoother from initial enquiry to contract signature. Our approach to digitisation is pragmatic: we automate where it genuinely improves service, and we maintain human touchpoints where client relationships depend on personal attention. Security standards meet current Italian and European data protection requirements.