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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 - March 2023

Monthly statistical information REAL ESTATE LEASING - March 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - March 2023

Export Factoring Manual

Conditions of access to the statistical information by non-members

EUFederation GLOSSARY

Monthly statistical information - October 2022

Monthly statistical information REAL ESTATE LEASING - October 2022

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - October 2022

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - November 2022

Monthly statistical information REAL ESTATE LEASING - November 2022

Monthly statistical information - November 2022

Quarterly statistical information - 1st Quarter 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - December 2022

Monthly statistical information REAL ESTATE LEASING - December 2022

Monthly statistical information - December 2022

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - January 2023

Monthly statistical information REAL ESTATE LEASING - January 2023

Monthly statistical information - January 2023

CELFOCUS

Codix

Datacomp

Lendscape Limited

VTXRM

Surplex Ibérica

Banco BIC Português, S.A

Bankinter, S.A.

Banco Montepio

BBVA Portugal

BNP Paribas Lease Group

BPI

Caixa Central Crédito Agrícola

Caixa Geral de Depósitos

CAT Financial

De Lage Landen Group

Millennium BCP

Montepio Crédito

Novo Banco

Santander Totta

BFF Bank

BNP Paribas Factor

Crédit Agricole Leasing & Factoring

Finanfarma

ALD Automotive

Arval BNP Paribas Group

Kinto

LeasePlan

Leasys

Locarent

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.