“In one year I spent more on repairs than I earned with that vehicle.”
Your own equipment
— without property collateral, without financial guarantors, without hidden fees.
Leasing of cars, trucks, special machinery and equipment for entrepreneurs in Kyrgyzstan.
Sample calculation
Monthly payment
53 470KGS
- Equipment price
- 2 000 000 KGS
- Down payment
- 600 000 KGS
- Term
- 36 mo.
- Rate
- from 22%
Payback estimate
≈ 9 months
0M
KGS — company portfolio
Active deals
0+
clients
Sole proprietors and companies in Kyrgyzstan
0
years in business
Since 2019
Verified company
Our operations are backed by a government license
We operate in accordance with the laws of the Kyrgyz Republic. Our leasing activities are carried out under License No. 187932-3301-ООО №18 dated 2 July 2025 — confirming the company’s official status and the legality of all its transactions.
If you’re an entrepreneur in Kyrgyzstan — you know this.
A hauler. A farmer. A workshop owner. We don’t talk about you in the third person — we grew up alongside you.
Real clients· With their consent
“In 2021 I was looking at a Howo for 3.5M. Today the same truck costs 5.5M. I’m not richer — I’m 2 million poorer.”
“The house my father spent 20 years building? The one my mother lives in? Never.”
Today· The same three
- Erkin now runs four vehicles of his own
- Bakyt got his Howo in February
- Aibek’s house is safe
Leasing is not a loan.
It’s a tool for growth.
A bank looks at your house. We look at your equipment. We buy it for you and stay by your side for 3 years, until it’s fully yours.
Parameter
Bank
Renting
BT Leasing
Collateral
Your house / apartment
—
The equipment itself
Who owns it
You, right away
Not you
You, after 3 years
Payment schedule
Rigid
—
Fits your season
Tax effect
Complicated
Complicated
You write it off as an expense
Documents
Financial statements
—
A patent is fine
Who bears the risk
You and your house
The rental company
Only the equipment itself
01
Your home isn’t collateral
The equipment itself is the only collateral.
02
Decision in 3 business days
A short path from application to approval.
03
Patent holders welcome
No financial statements or audits required.
04
Restructuring
Support in a force majeure, not a refusal.
Calculate your payment — in 1 minute
No commitment · 3 fields · 60 seconds
Calculate your real payment
No commitment, no sign-up, no personal data. The numbers are just for you.
What are you leasing?
Equipment price5 000 000 KGS
500 00020 000 000
Down payment30%
20%50%
1 500 000 KGS · the more you put down, the lower the rate
Lease term36 mo.
12 mo.36 mo.
Monthly payment
0KGS
annuity payment
- Down payment
- 1 500 000 KGS
- Lease amount
- 3 500 000 KGS
- Term
- 36 months
- Rate
- 26.5%
- Total interest
- 1 610 238 KGS
- Total
- 6 610 238 KGS
Payback estimate
≈ 14months
Based on the average for the “Haulers, freight transport” segment
This calculation is an estimate. Final terms are set after your project is reviewed. Custom terms are possible for deals of up to 1M KGS.
Five products. One approach.
Each with its own risk model, schedule and terms. Built for five types of business we understand in depth.
Cars
from 25% · up to 36 mo.
Commercial vehicles
from 23% · up to 36 mo.
Special machinery
from 22% · up to 36 mo.
Equipment
from 22% · up to 36 mo.
Used machinery
from 25% · up to 36 mo.
5 real clients · with their consent
Real stories —
with numbers before and after.
Not “testimonials.” Names, region, photo — and WhatsApp, so you can call and ask them yourself how it went.
With the client’s consentContractorKarakol
Erkinbek Adylov
“A leased wheeled excavator — 38% less than renting”
−38%
in 2 years
monthly costs
Before · 2022
Excavator rental: 1.2M / month
After · 2024
His own Hyundai R210W · paid for itself in 14 mo.
I was paying more to rent an excavator than it costs to lease a new one. I realized it too late — but I went for it.
Erkinbek Adylov · Karakol
Find out how Erkinbek stopped renting
We reply on WhatsApp · usually within 30 minutes
With the client’s consentHealthcareBishkek
Aigul Satybaldieva
“Opened a clinic — equipment over 18 months”
+40%
in 2 years
patient flow
Before · 2023
No ultrasound equipment
After · 2025
Full package
They talked to me as a person, not as someone begging for a favor. That was what mattered most.
Aigul Satybaldieva · Bishkek
Find out how Aigul opened her clinic
We reply on WhatsApp · usually within 30 minutes
With the client’s consentB2B salesBishkek
Kubat Turdubaev
“From taxis to his own car — ×2 meetings a day”
×2
in 2 years
meetings a day
Before · 2023
Taxis: 4 hours for 4 meetings
After · 2025
Li Auto L7 · 8 meetings / day
I used to spend 4 hours in taxis — 4 meetings. Now, in the same time — 8 meetings. The car pays for its own lease.
Kubat Turdubaev · Bishkek
Find out how Kubat doubled his daily meetings
We reply on WhatsApp · usually within 30 minutes
With the client’s consentHaulerKochkor · Naryn
Bakyt Zhunusov
“In 4 years — from one truck to five”
×5
in 4 years
fleet
Before · 2021
1 truck
After · 2025
5 trucks
I thought about it for three years. I was afraid. Kanat raced ahead. Then I made up my mind — and now I’ve overtaken him.
Bakyt Zhunusov · Kochkor · Naryn
Find out how Bakyt grew his fleet
We reply on WhatsApp · usually within 30 minutes
With the client’s consentManufacturingOsh
Nurlan Kadyrov
“A sewing production line — 2.5× growth”
×2.5
in 2 years
revenue
Before · 2022
10 machines
After · 2024
25 machines + fabric cutting
The orders were there — the capacity wasn’t. Leasing is leverage. Without it, I’d be stuck in place.
Nurlan Kadyrov · Osh
Find out how Nurlan grew his revenue
We reply on WhatsApp · usually within 30 minutes
Leasing vs. alternatives — the numbers over 3 years.
A sample calculation for equipment worth 5 000 000 KGS. We compare four scenarios over a 3-year horizon.
Metric
Saving up
Bank
Renting
BT Leasing
Upfront capital
0
≈ 500K
0
1.5M
Costs over 3 years
≈ 7M
≈ 7.8M
≈ 9.5M
≈ 6.9M
Owned after 3 years
The vehicle (delayed)
The vehicle
—
The vehicle
Collateral
—
Apartment / house
—
Only the equipment
Schedule flexibility
—
Rigid
—
Fits your season
Decision
Years
2–4 wks
Immediate
3 days
Earned over 3 years
0
≈ 12M
≈ 8M
≈ 15M
Net result
—
+4.2M
−1.5M
+8.1M
Leasing delivers the best net result — because you earn with the equipment from day one instead of “saving up for three years.”
Process · 4 steps
How it works — in 14 days.
From “sent a WhatsApp message” to “the equipment is at your site.” Four transparent steps — scroll and watch them stack on top of each other.
If something goes wrong, you’ll hear it from us first. You won’t waste 2 weeks waiting for a rejection.
We reply on WhatsApp · usually within 30 minutes
Transparency · no legalese
What people usually ask — and what others don’t tell you.
Ask what people are usually afraid to ask. We answer straight — with numbers, timelines and no legalese.
Ask your question on WhatsAppWill I be approved?
I’m a sole proprietor on a patent — will I be approved?
Yes. We assess the project and how the business actually operates, not just its financial statements. Most of our clients are sole proprietors on a patent.
I have overdue payments with a bank — is that a deal-breaker?
Not always. We review each case individually: what matters is the nature of the problem and your current ability to pay. Settled arrears or isolated incidents are not blockers.
How much revenue do I need to show?
There is no fixed threshold. What matters is a steady cash flow that covers the payment. You can confirm it with bank statements, contracts or photos of the equipment at work.
Which documents do I actually need?
From sole proprietors: passport, patent and basic information about the business. From LLCs: charter, registration certificate and financial statement. Your manager will send a detailed list for your case.
What if something goes wrong?
What if I can’t make a payment in a bad month?
We have restructuring options and can set an individual schedule around your season. We want you to pay off the lease — not to take your equipment away.
What if the equipment breaks down?
The equipment is insured for the lease term. Our key suppliers provide a warranty and servicing. We help you arrange repairs.
What if my business takes a hit from force majeure?
In critical situations, restructuring is possible: a deferral of principal or interest, or a change to the schedule. The decision is always made case by case.
Can I pay off early? Is there a fee?
Yes, you can. There is no early repayment fee. You save on interest — and we’re glad things are going well for you.
Is it safe?
Is the vehicle owned by me or by you?
Legally, by us for the term of the contract. In practice, it’s yours: you use it, repair it and insure it. Once it’s fully paid off, ownership passes to you automatically.
If I stop paying — what can you take?
Only the leased asset itself (the equipment). In a standard deal, there are no additional claims against your other property.
What if your company goes bankrupt — what happens to my equipment?
The company has been operating since 2019 and holds a valid government license for leasing activities. All deals are governed by the Law of the Kyrgyz Republic “On Financial Lease (Leasing).” If the rights are transferred, the equipment stays assigned to the lessee.
Who’s behind it.
Not a faceless office —
real people.
BT Leasing LLC is a subsidiary of BT Innovations, created so that entrepreneurs in Kyrgyzstan can scale their businesses faster through accessible, modern leasing of equipment and vehicles. Drawing on the experience and financial strength of its parent company, BT Leasing helps clients turn one vehicle into a fleet and an idea into a stable business. We are building more than a leasing company — we are building a growth ecosystem for a new generation of entrepreneurs.
A team that’s
accountable for every deal.
Nurzhamal · Aleksandr · Venera · Esen · Diyas · Aidana
6
people on the team
5+
years of average experience
2019
year founded
All in Bishkek. One office. One call — and you know each of them by name.
Partners
Trust you can verify.
Partners and suppliers we work with directly — no middlemen, no commission markups.
Free checklist · 7 pages · PDF (in Russian)
7 mistakes that get sole proprietors on a patent turned down for leasing.
And how to avoid them. Real cases, concrete steps and numbers — from the BT Leasing legal team. No fluff, no vague generalities.
What’s inside
- Why banks turn down sole proprietors on a patent
- When leasing beats a bank loan — in numbers
- Which documents you actually need
- How to calculate equipment payback
- Trade-in of old equipment — what you need to know
Final step
Your personal consultation — in 15 minutes.
No forms. No commitment. No need to share information you’d rather keep to yourself. A manager will call or message you within 30 minutes and help you calculate your real payment for your project.
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By phone
+996 700 04 48 44
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