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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 2024-2026

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

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

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - February 2023

Monthly statistical information REAL ESTATE LEASING - February 2023

Monthly statistical information - February 2023

Monthly statistical information - April 2023

Monthly statistical information REAL ESTATE LEASING - April 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - April 2023

Monthly statistical information - April 2023

Quarterly statistical information - EQUIPMENT AND VEHICLE LEASING - 1st Quarter 2023

Quarterly statistical information - REAL ESTATE LEASING - 1st Quarter 2023

Quarterly statistical information - EQUIPMENT AND VEHICLE LEASING - 2nd Quarter 2023

Quarterly statistical information - REAL ESTATE LEASING - 2nd Quarter 2023

Quarterly statistical information - 1st Quarter 2023

Quarterly statistical information - 2nd Quarter 2023

Monthly statistical information REAL ESTATE LEASING - May 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - May 2023

Monthly statistical information - May 2023

Quarterly statistical information - EQUIPMENT AND VEHICLE LEASING - 3rd Quarter 2023

Quarterly statistical information - REAL ESTATE LEASING - 3rd Quarter 2023

Quarterly statistical information - 3rd Quarter 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - June 2023

Monthly statistical information REAL ESTATE LEASING - June 2023

Monthly statistical information - June 2023

Monthly statistical information - July 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - July 2023

Monthly statistical information REAL ESTATE LEASING - July 2023

Monthly statistical information - July 2023

Monthly statistical information - August 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - August 2023

Monthly statistical information REAL ESTATE LEASING - August 2023

Monthly statistical information - August 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - September 2023

Monthly statistical information REAL ESTATE LEASING - September 2023

Monthly statistical information - September 2023

Quarterly statistical information - EQUIPMENT AND VEHICLE LEASING - 4th Quarter 2023

Quarterly statistical information - REAL ESTATE LEASING - 4th Quarter 2023

Quarterly statistical information - 2nd Quarter 2023

Quarterly statistical information - 3rd Quarter 2023

Quarterly statistical information - 4th Quarter 2023

O Financiamento Especializado e a Economia Portuguesa - Leasing, Factoring e Renting (2020)

Monthly statistical information REAL ESTATE LEASING - October 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - October 2023

Monthly statistical information REAL ESTATE LEASING - November 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - November 2023

Monthly statistical information - October 2023

Monthly statistical information - November 2023

Monthly statistical information - October 2023

Monthly statistical information - November 2023

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - December 2023

Monthly statistical information REAL ESTATE LEASING - December 2023

Monthly statistical information - December 2023

Quarterly statistical information - EQUIPMENT AND VEHICLE LEASING - 1st Quarter 2024

Quarterly statistical information - REAL ESTATE LEASING - 1st Quarter 2024

Quarterly statistical information - 1st Quarter 2024

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - January 2024

Monthly statistical information REAL ESTATE LEASING - January 2024

Monthly statistical information - January 2024

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - February 2024

Monthly statistical information REAL ESTATE LEASING - February 2024

Monthly statistical information - February 2024

Quarterly statistical information - EQUIPMENT AND VEHICLE LEASING - 2nd Quarter 2024

Quarterly statistical information - REAL ESTATE LEASING - 2nd Quarter 2024

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - March 2024

Monthly statistical information REAL ESTATE LEASING - March 2024

Quarterly statistical information - 2nd Quarter 2024

Monthly statistical information - March 2024

Quarterly statistical information - 2nd Quarter 2024

Monthly statistical information - March 2024

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - April 2024

Monthly statistical information REAL ESTATE LEASING - April 2024

Monthly statistical information - April 2024

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - May 2024

Monthly statistical information REAL ESTATE LEASING - May 2024

Monthly statistical information - May 2024

Future Trends for Leasing, Factoring and Renting (2024)

Future Trends for Leasing, Factoring and Renting (Executive Summary in English - 2024)

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - June 2024

Monthly statistical information REAL ESTATE LEASING - June 2024

Quarterly statistical information - EQUIPMENT AND VEHICLE LEASING - 3rd Quarter 2024

Quarterly statistical information - REAL ESTATE LEASING - 3rd Quarter 2024

Monthly statistical information - June 2024

Quarterly statistical information - 3rd Quarter 2024

Monthly statistical information - June 2024

Quarterly statistical information - 3rd Quarter 2024

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - July 2024

Monthly statistical information REAL ESTATE LEASING - July 2024

Monthly statistical information - July 2024

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - August 2024

Monthly statistical information REAL ESTATE LEASING - August 2024

Monthly statistical information - August 2024

Monthly statistical information EQUIPMENT AND VEHICLE LEASING - September 2024

Monthly statistical information REAL ESTATE LEASING - September 2024

Quarterly statistical information - EQUIPMENT AND VEHICLE LEASING - 4th Quarter 2024

Quarterly statistical information - REAL ESTATE LEASING - 4th Quarter 2024

Monthly statistical information - September 2024

Quarterly statistical information - 4th Quarter 2024

Monthly statistical information - September 2024

Quarterly statistical information - 4th Quarter 2024

CELFOCUS

Codix

Datacomp

VTXRM

Surplex Ibérica

EuroBic ABANCA

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

Arval BNP Paribas Group

Kinto

Ayvens

Leasys

Locarent

Acquis Insurance

Kaizen Consulting

RCICOM

Basikon

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

Specialized Financing resilient to war and inflation registers widespread increases in 2022

ALF and the Portuguese Economists' Order sign protocol to facilitate understanding of specialized financing

ALF places knowledge at the service of research and training.

ALF 2023 National Convention reveals sector attentive to Green Investment

Leasing Training Course

The Leasing Training Course will take place on June 22, 2023, in Lisbon.

5TH EDITION OF MODULAR FACTORING AND CONFIRMING TRAINING COURSE

ALF elected Vice-President of the EU Federation for the Factoring and Commercial Finance Industry (EUF)

ALF and PwC analyze environmental, social and corporate governance targets

VI ALF GOLF DAY

The 6th edition of the ALF Golf Day Tournament took place last September 30th, at Herdade da Aroeira.

Financial Literacy Week 2023

ALF celebrates 40th Anniversary

The Portuguese Association of Leasing, Factoring and Renting (ALF), established on the 28th February 1984, is celebrating its 40th anniversary tomorrow with great enthusiasm.

ALF CELEBRATES 40 YEARS WITH AROUND 700 BILLION IN FINANCING AND RECEIVABLES

The association that represents Leasing, Factoring and Renting in Portugal celebrated its 40th anniversary in the specialised financing sector on Wednesday, the 28th of February.

IAPMEI celebrates 40 years of ALF with the launch of informative videos on Leasing, Factoring and Renting

ALF re-elected Vice-President of the EU Federation for the Factoring and Commercial Finance Industry (EUF)

ALF's continuity in the Vice-Presidency reinforces its ongoing commitment to the development and progress of the factoring sector in Europe.

ESG WEEK 2024 | ALF Session - Specialised Financing in the ESG Transition

The Portuguese Association of Leasing, Factoring and Renting is joining ESG WEEK 2024.

LUÍS AUGUSTO re-elected President of ALF

Elections to the governing bodies determine a new mandate for the Association's leaders.

Leasing Training Course

The Portuguese Association of Leasing, Factoring and Renting (ALF) is organizing a Leasing training course, which will take place on 5th June 2024, in Lisbon.

SPECIALIZED FINANCING REACHES AN ALL-TIME HIGH WITH 48 BILLION EUROS IN SUPPORT FOR THE ECONOMY

ALF National Convention emphasizes investment and the challenges of environmental transition and digitalization

6TH EDITION OF MODULAR FACTORING AND CONFIRMING TRAINING COURSE

VII ALF Golf Day

SPECIALIZED FINANCING ADVOCATES CHANGES IN TAXATION AND UNBLOCKING OF FINANCING FOR THE NATIONAL ECONOMY

ALF APPOINTED TO THE BOARD OF THE EUROPEAN FEDERATION OF LEASING

ALF CALLS FOR LEASING AND RENTING TO BE INCLUDED IN ELECTRIC MOBILITY TRANSITION PLAN

Launch of the study on “Future Trends for Leasing, Factoring and Renting”

ALF registers the highest growth in Leasing and Renting in Europe in the first half of 2024 and Factoring remains in the Top 3 for penetration in National GDP