EIB Group and VEHIS Launch PLN 2.6 Billion Auto-Lease Securitisation to Boost Polish SMEs

EIB Group and VEHIS Launch PLN 2.6 Billion Auto-Lease Securitisation to Boost Polish SMEs

(IN BRIEF) The EIB Group and VEHIS have structured a cash securitisation to issue PLN 2.6 billion of auto-lease financing for Polish SMEs and mid-caps. The EIB buys PLN 637 million of senior notes, while EIF guarantees an equivalent amount of senior and mezzanine notes to a third-party investor. The deal mandates that 30% of leases support women-led businesses and 10% finance electric vehicles. With over 9,000 performing leases in the reference portfolio—90% held by SMEs—this first-of-its-kind transaction in Poland drives regional development, economic inclusion, and the green transition.

(PRESS RELEASE) LUXEMBOURG, 4-Jul-2025 — /EuropaWire/ — The European Investment Bank (EIB) Group is partnering with Polish auto-finance platform VEHIS to unlock PLN 2.6 billion in leasing for small and medium-sized enterprises (SMEs) and mid-caps across Poland. Through a pioneering cash securitisation structure, the EIB will purchase PLN 637 million (€150 million) of senior notes backed by VEHIS’s auto-lease portfolio, while the European Investment Fund (EIF) will guarantee a similar volume of senior and mezzanine notes to a third-party investor.

This transaction will expand access to funding for Polish businesses—particularly in underserved regions—while promoting gender equality and the green transition: at least 30% of new leases will serve women-led companies, and a minimum of 10% will finance electric vehicles. By leveraging capital-markets tools, the operation enhances regional development, economic inclusion, and cleaner transport across the country.

Jan Bujak, CFO of VEHIS, said:

“This is the first securitisation of a warehouse-financed lease portfolio in Poland’s history. Our collaboration with the EIB Group will fuel VEHIS’s dynamic growth, enabling continued SME support, inclusive financing for women entrepreneurs, and expansion of low-emission vehicle leasing.”

Marjut Falkstedt, Chief Executive of the EIF, added:

“By channelling resources through VEHIS, we’re delivering tangible impact where it’s needed most—empowering entrepreneurs who drive innovation, inclusion, and sustainability across Poland.”

EIB Vice-President Teresa Czerwińska commented:

“Supporting SMEs is core to the EIB Group’s mission. This targeted investment with VEHIS not only spurs business growth but also advances gender equality and accelerates the shift to cleaner transport—an investment in Poland’s future.”

Background information

About EIB Group
The European Investment Bank (ElB) is the long-term lending institution of the European Union, owned by its Member States. Built around eight core priorities, we finance investments that contribute to EU policy objectives by bolstering climate action and the environment, digitalisation and technological innovation, security and defence, cohesion, agriculture and bioeconomy, social infrastructure, the capital markets union, and a stronger Europe in a more peaceful and prosperous world.

The EIB Group, which also includes the European Investment Fund (EIF), signed nearly €89 billion in new financing for over 900 high-impact projects in 2024, boosting Europe’s competitiveness and security.

The Group’s latest Investment Survey (EIBIS) showed Poland fares better than European Union peers when it comes to gender equality in business management.

To enhance the positive impact of its activities on gender equality and empower women and girls, the EIB Group has embedded gender equality goals into its business model through a dedicated Strategy on Gender Equality and Women’s Economic Empowerment and a Gender Action Plan. These guide its lending, blending, and advisory work both within and outside the European Union. In 2024, EIB financing for gender equality represented more than €3 billion across over 40 projects. The EIB also applies global gender-lens investing criteria (“2X”) and is committed to promoting gender equality in the workplace. You can find more information here on the EIB gender equality initiatives.

About VEHIS

VEHIS is a car platform that allows customers to select and purchase a vehicle along with the relevant financing options. The offer encompasses all car brands available on the Polish market from key dealers, along with financing options in the form of leasing.

VEHIS provides full support throughout the period of vehicle use, including a special insurance package, GPS monitoring and service support for the car, as well as handling traffic damage claims.

VEHIS advisors working in 18 VEHIS branches across Poland support customers in choosing a car, its financing and insurance. The entire process can be completed online through the website or with the remote assistance of an advisor.

The platform offers a selection of over 10,000 cars at competitive prices from 200 dealers. These offers are updated almost in real time, thanks to IT tools developed by VEHIS.

VEHIS’ strategic investor is Enterprise Investors, one of the oldest and largest private equity firms in Central and Eastern Europe.

Media Contact:

Gabriela Baczyńska
g.baczynska@eib.org
+352 4379-83852

Press Office

press@eib.org
+352 43791

SOURCE: European Investment Bank