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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

This Website resorts to the use of cookies to provide a better use by its visitors, as well as, to ensure that it is in full operation.


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 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 - 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 - 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


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 - 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 - 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 - 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


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 - 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


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


Quarterly statistical information - 4th Quarter 2023


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


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


CELFOCUS


Codix


Datacomp


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


Arval BNP Paribas Group


Kinto


Ayvens


Leasys


Locarent


Acquis Insurance


Kaizen Consulting


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


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