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Privacy Policy

In compliance with the obligations inherent to the GDPR, ALF - Portuguese Association of Leasing, Factoring and Renting undertakes, in this Privacy Policy, to inform the User of the website about the objectives and how their personal data is treated


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Cookie Policy

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Terms and Conditions of Use

ALF - Portuguese Association of Leasing, Factoring and Renting, with registered office at Avenida Fontes Pereira de Melo, 35 - 6º B, 1050-118 Lisboa, Portugal, Collective Person nº 501461280, owns the website www.alf.pt, which is made available for information and non-commercial purposes.


Mission and History

ALF - Portuguese Association of Leasing, Factoring and Renting was founded in 1984, as Apelease - Portuguese Association of Leasing Companies.


Governing Bodies

Composition of the Governing Bodies 2021-2023


Leasing

Contract in which the lessor (leasing company) loans to the lessee (Client) against payment of a rent, the temporary use of an asset, fixed or real estate, acquired or constructed according to the instructions of the client and which he can acquire at the end of the contract for a pre-determined price (residual value).


Leasing Advantages

Contract in which the lessor (leasing company) loans to the lessee (Client) against payment of a rent, the temporary use of an asset, fixed or real estate, acquired or constructed according to the instructions of the client and which he can acquire at the end of the contract for a pre-determined price (residual value).


Description & Legislation

Consult all information about Leasing, about Deadlines, Amounts, Residual Values, Sales Scheme, Fiscal and Legislation


Factoring

Factoring or financial assignment consists in the acquisition of short-term credits derived from the sale of products or provision of services in the internal and external markets.


Factoring Advantages

Simplification of the credit management operations, allows for immediate liquidity through the financing of sales, allows for a better planning of the treasury and more


Description & Legislation


Renting

It is an integrated supply of services which is based on the operational rental of a new vehicle for a certain duration and amount of km’s, through the payment of a fixed rent, where the client only supports the depreciation of the vehicle estimated in the contract. It includes all necessary services for its normal functioning and conservation.


Renting Advantages


Description & Legislation


In update


Research

ALF seeks to promote research on Leasing, Factoring and Renting, as well as to strengthen the ties between the academic world and the real economy, specifically within the Specialized Financing sectors.


Heavy Vehicle Renting

Heavy Vehicle Renting (or Operational Leasing) consists in the operational rental of a new Heavy Vehicle, for a determined duration and mileage, where the maintenance is assured against the payment of a fixed monthly rent.


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Applications

The opportunity to join the ALF team may soon be posted. Stay tuned!


Factoring Statistical Information

Conditions of access to the statistical information by non-members


Leasing Statistical Information

Conditions of access to the statistical information by non-members


Renting Statistical


Theses and Academic Works


Organization

Organization of Social Entities 2021-2023


Information

At your disposal, a library of information, available to members and non-members.



Organization 2021-2023


General Regime of Credit Institutions and Financial Societies (Decree-Law n.º 298/92, 31st of December)


Fair Wear & Tear Manual


Protocol Institutional Collaboration FD-ULHT


Conditions of access to the statistical information by non-members


General Regime of Credit Institutions and Financial Societies (Decree-Law n.º 298/92, 31st of December; last change: Decree-Law n.º 190/2015, 10th of September)


Regulates Factoring Societies and the Factoring Contract (Decree-Law n.º 171/95, 18th of July)


Regulates financial leasing companies (Decree-Law no. 72/95, of 15 April)


Legal framework for the financial leasing contract (Decree-Law nº. 149/95, 24th of July)


Regulates the rental of goods vehicles without a driver (Decree-Law n.º 15/88, 16th of January)


Regulates the transport of goods aboard vehicles or sets of vehicles, with a gross weight equal or superior to 2500kg (Decree-Law n.º 257/2007, 16th of July)


Conditions of access to the statistical information by non-members


Monthly statistical information - August 2022


Monthly statistical information - August 2022


Monthly statistical information REAL ESTATE LEASING - August 2022


Monthly statistical information FIXED ASSETS LEASING - August 2022


Export Factoring Manual


Conditions of access to the statistical information by non-members


Banco BIC Português, S.A


Bankinter, S.A.


ALD Automotive


Arval BNP Paribas Group


BFF Bank


Banco Montepio


BBVA Portugal


BNP Paribas Lease Group


BNP Paribas Factor


BPI


Caixa Central Crédito Agrícola


Caixa Geral de Depósitos


CAT Financial


CELFOCUS


Codix


Cofidis


Datacomp


De Lage Landen Group


Crédit Agricole Leasing & Factoring


Finanfarma


Lendscape Limited


Kinto


LeasePlan


Leasys


Locarent


Millennium BCP


Montepio Crédito


Novo Banco


Santander Totta


VTXRM


Leasing, Factoring and Renting: what effects are already being felt in the sector? Interview with Luís Augusto, president of ALF

In a sector that was coming out of the pandemic, what effects are already being felt in the face of the war conflict in Europe?


ALF unveils partial recovery of specialized financing in 2021

support for companies exceeded 37 billion euros


Factoring guarantees more than 11% of the european GDP

in the first half of the year, the sector supported the portuguese economy with 15.8 billion euros


ALF and FD-ULHT formalize protocol for the creation of knowledge

the association's first agreement with a law school was formalized last friday


Financial Literacy Week 2021


ALF Statistical Manual and Conditions of access to the information by non-members

Following the commitments assumed with the Portuguese Competition Authority (AdC), ALF’s Board approved the changes to “ALF’s Statistical System Procedure Manual” and the “Conditions of access to the information by non-members”, on January, 8th of 2018.


Leasing training course

Training course for employees new to the leasing sector. Participation open to non-members.


ALF reveals recovery of specialized financing in the 3rd quarter of 2021

growth in 2021 but still slightly below pre-pandemic figures


European Leasing recovers from pandemic totalling 150 billion euros

Among the 26 leaseurope member countries, portugal grew below average in the first semester.


ALF reveals recovery in specialized financing in the 1st semester

leasing, factoring and renting begin recovery in pandemic period


Luís Augusto elected president of the Portuguese Association of Leasing, Factoring and Renting

New governing bodies elected for 2021-2023


ALF forum debates the role of specialised financing in economic recovery

Event on 25th may will count with leaseurope european federation


ALF and FEP sign protocol to promote academic research on specialised financing

The Portuguese Association of Leasing, Factoring and Renting (ALF) and the Economics Faculty of Porto University (FEP) signed a cooperation protocol through which they join forces in the promotion of academic research on specialised corporate financing.


ALF highlights resilience of Specialized Financing still under pressure from the pandemic


ALF Reveals impact of pandemic on the sector in 2020

specialized financing reinforces support to the portuguese business fabric


V ALF Golf Day

The 5th edition of the ALF Golf Day Tournament took place last September 24th, at Herdade da Aroeira.


ALF Forum stresses importance of specialized financing for GDP and exports

"This is the time to work on innovative solutions in specialized financing," noted Rita Marques, Secretary of State for Tourism, Commerce and Services, during the ALF Forum, held this Thursday.


ALF reveals semester of recovery for specialized financing

ALL SECTORS GAIN COMPARED TO 2021 AND FACTORING ACCELERATES BEYOND 2019 FIGURES. RENTING ESCAPES RESTRICTIONS ON VEHICLE SUPPLY


ALF unveils recovery of Specialized Financing in the first quarter

STATISTICS UNVEIL INVESTMENT STRENGTHENING DESPITE WAR IN UKRAINE


SPECIALIZED FINANCING JOINS FINANCIAL LITERACY WEEK 2022


4TH EDITION OF MODULAR FACTORING AND CONFIRMING TRAINING COURSE

The 4th edition of the Factoring and Confirming modular training course will take place on November 23rd and 24th, 2022, in Lisbon.


Leasing and Renting surpass 165 billion euros and Factoring breaks new records in Europe in the first half of 2022

WAR AND INFLATION ACCELERATE FACTORING SUPPORT. PORTUGAL REGISTERS THE SECTOR'S THIRD LARGEST SHARE OF GDP IN EUROPE


ALF HOSTS FIRST "INNOVATION & TECH SUMMIT" in Specialized Financing

CONFERENCE ON THE 28TH WILL ADDRESS SUSTAINABILITY, FINANCING UNDER ESG CRITERIA AND THE RISKS OF FRAUD IN THE FINANCIAL SYSTEM


ALF announces sustainable growth in Specialized Financing until September

CONFIRMING GROWS ALMOST 50% COMPARED TO 2019. RENTING SURPASSES LAST YEAR'S VALUES, DESPITE DELAYS OF VEHICLES FOR DELIVERY


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