At Joint Shares, we are committed to delivering secure, compliant, and client-focused financial services—from personal lending to institutional investments
Flexible leasing and financing solutions for equipment acquisition — from heavy machinery and industrial systems to specialised medical devices, farm machinery and production lines. Joint Shares Investment Holdings (JS) tailors lease-to-own, operating leases, and capital leases with clear terms, global servicing and Luxembourg-grade confidentiality.
3% fixed interest option · Lease terms 1–15 years · No collateral option for qualified borrowers · Serving 130+ countries
Shorter-term lease where equipment remains off your balance sheet (subject to accounting standards) — useful for rapidly-depreciating technology or seasonal gear.
Treated like a purchase for accounting; you essentially finance the asset over time with an option to own at the end. Suited for long-lived machinery.
Structured payments over the lease term with a nominal purchase option at the end. Ideal when ownership is desired eventually but initial cashflow is limited.
Co-financing with OEMs and suppliers to incentivize early purchase and align warranty & service with payments.
Construction & Heavy Machinery
Cranes, excavators, loaders — structured to equipment life cycles and maintenance schedules.
Medical & Healthcare Equipment
Imaging systems, surgical gear — milestone-linked disbursements and service packages.
Agriculture & Farm Machinery
Tractors, harvesters, irrigation systems — seasonal amortization structures available.
Manufacturing & Production Lines
High-value lines financed with vendor warranties and staged drawdowns tied to installation.
Technology & Data Centre Hardware
Servers, racks, networking gear — leasing aligned with obsolescence cycles and upgrade windows.
Estimate monthly lease payments and compare lease vs. buy outcomes. This is an illustrative calculator; final terms depend on underwriting and asset appraisal.
This estimator uses a fixed-rate amortization for the financeable portion (price - down payment) and factors residual value as a balloon. If maintenance is included, a small premium is added. Use this as a guide — your final schedule will be provided in the term sheet.
Upload vendor invoices, equipment specs, company registry documents and capture signatory ID photos (including 'ID held next to face') for quick KYC processing. All files are encrypted and processed under Luxembourg privacy standards.
For small equipments and micro businesses. Fast approvals and simplified docs.
For medium-value equipment. Balanced amortization, optional maintenance package.
For fleets, manufacturing lines and high-value bundles. Syndication and vendor coordination available.
JS protects client data with end-to-end encryption and follows GDPR-aligned processes. Our Luxembourg base provides strong legal frameworks for client confidentiality. We never sell client data and disclosures are performed only when legally required or with client consent.
Staged equipment delivery, vendor escrow, and seasonal amortization matched to harvest cycles. Approved in 21 days.
Medical equipment financed with milestone-based disbursements and inclusive maintenance contract.
Fleet hypothecation and telematics covenants to monitor asset health. Residual value protection included.
Apply now or request a callback. Our corporate leasing advisors will provide a confidential, non-binding term proposal within 48 hours.
Aenean pretium condimentum ornare. Curabitur
Create customized strategies to address your unique banking and investment needs.
Engage with experienced professionals to guide your financial decisions and planning.
Pinpoint potential financial risks and opportunities to maximize your returns and minimize losses.
Beyond Banking — We Build Futures.