Stroną dominującą w stosunku kredytowym wobec kredytobiorcy jest bank, który określa warunki kredytu i jest uprawniony do kontroli jego wykorzystania oraz uzależnia przyznanie kredytu od zdolności kredytowej, przy czym nie jest zobowiązany do udzielenia kredytu, nawet jeżeli osoba ubiegająca się o kredyt ją posiada.
Kredyt preferencyjny - kredyt z dopłatami budżetu państwa wykorzystywany jako instrument sterowania rolnictwem. Stanowi pośrednią formę dofinansowania rolnictwa z budżetu państwa. Minusy: zniekształcają rachunek ekonomiczny i nie zabezpieczają przed wykorzystaniem środków.
Kredyt bankowy - operacja polegająca na postawieniu przez bank do dyspozycji kredytobiorcy na czas oznaczony określonej kwoty środków pieniężnych, z przeznaczeniem na określony cel. Kredytobiorca zobowiązuje się do korzystania z kredytu na warunkach określonych w umowie, zwrotu kwoty wykorzystywanego kredytu wraz z odsetkami w określonym terminie spłaty oraz zapłaty prowizji od udzielonego kredytu.
W zależności od okresu kredytowania wyróżniamy kredyty krótkoterminowe (do 1 roku), średnioterminowe (od 1 roku do 3 lat) i długoterminowe (powyżej 3 lat).
This category in other languages:
Abco Leasing International - Provides financing for equipment worldwide.
AC Capital - Provides equipment leasing services for businesses.
Access Equipment Leasing - Offers computer and equipment leasing services for small and large businesses.
Accord Financial Group - Provides nationwide agricultural and commercial equipment leasing services.
Accurate Leasing Ltd. - Provides equipment leasing to businesses, organizations and government-owned entities.
Advantage Equipment Leasing - Provides leasing and financing for commercial equipment nationwide.
Advantage Funding - Provides lease financing for automobiles, equipment and machinery.
Advantage Leasing - Get quoted rates for business equipment needs.
Affiliated Equipment Financing, Inc. - Provides equipment lease financing for established and start-up companies.
Ag Lease - Provides equipment financing for farming operations throughout the United States.
AIM Capital Corp. - Equipment leasing and financing for businesses nationwide.
Aircraft Finance Center - Specializes in loans and financing for corporate aircraft and other equipment.
Alliance Capital Leasing - Provides lease financing for all types of equipment and machinery.
Alliance Funding, Inc. - Nationwide leasing and financing of business equipment.
Allstate Capital - Leasing company provides credit criteria, application and glossary.
Alter Moneta - Provides financing of equipment through leasing and traditional term financing.
American Business Leasing - Provider of SBA loans, equipment leasing and working capital loans.
American Express Business Finance - Offers commercial equipment and software lease financing.
American Leasing Inc. - Provides commercial companies financing for all types of equipment.
Amerifund - Provides equipment lease financing for new or existing businesses.
AmeriLease Corp - Provides leasing and financing programs for both vendors and end users.
Amstat Capital - Provides leasing and financing for equipment acquisitions.
ARC Financial Services, Inc. - Provides commercial equipment leasing and finance.
Arrow Capital Corporation - Provides vendor leasing programs and equipment financing for manufacturers and distributors.
Aspen Corporate Funding - Provides equipment financing for small and medium sized businesses and leasing services for vendors.
Asset Capital Lease Corp. - A heavy equipment leasing, bonding and financing company.
Babcock & Brown - Underwrites loans and leases to emerging technology and other high growth companies.
Bank of America Business Capital - Finances mid and large-sized businesses in the United States, Canada and Europe.
BargainLease.com - Offers flexible equipment leasing and financing services for all businesses.
Baystone Financial Group - Specializes in municipal lease purchase financing for the public sector.
BizFleet.com - Commercial truck financing and leasing service for clients operating one or more units. Also provides unlimted mileage leasing for cars, vans and light duty trucks.
Bizleasing.com - Provider of equipment and software leasing and financing.
BL Leasing - Provides equipment lease financing for new, refurbished and used equipment.
Black Rock Capital LLC. - Provides leasing services for small to medium-sized companies.
Blue Street Capital, LLC - Independent equipment leasing and financing company with programs available for all credit types.
Bluedot Funding - Direct lenders for equipment lease and financing.
BridgePoint Financial Group, Inc. - Provides various lease programs for new and used equipment.
Business Leasing Northwest - Provides equipment leasing services for various industries.
Butler Capital - Provides capital for equipment financing and leasing.
C and J Leasing - Small ticket independent leasing company financing all types of business credit for vendors and end-users.
Caladesi Capital, Inc. - Provides commercial equipment leasing services to vendors and end-users.
California Capital Leasing - Provides equipment leasing for state, local and federal government agencies.
Capital Advance Leasing - Providing middle market companies with competitive equipment finance solutions.
Capital Financial Corporation - Equipment leasing and business financing intermediary.
Capital Funding Group - Provides lease financing and equipment leasing services.
Capital Stream - Provides a marketplace for business financing.
CapStar Leasing - Provides financing to businesses for all types of commercial equipment.
Carlton Financial Corp - Provides bother equipment leasing and financing services.
Carpenter Leasing - Specializes in leasing, financing, and sale leaseback opportunities for businesses.
CBC Group, Inc. - Lessor and syndicator of commercial equipment financing and leasing transactions.
CCA Financial - Offers a range of technology leasing solutions and equipment leasing programs.
Center Capital Corp - Provides equipment financing for manufacturing, environmental, construction and transportation businesses.
Central Atlantic Leasing - Offers financing solutions for business.
Central Leasing - Offers various leasing programs for businesses.
Central Technology Services - Provides direct to customer technology leasing of major brand IT equipment.
Chase Equipment Leasing, Inc. - Provides equipment leasing for mid-size companies and large corporations.
Citicapital - Provides financing and leasing to small and large businesses worldwide.
Coastal Equipment Leasing and Finance, Inc. - Equipment leasing and financing to businesses, professionals and muncipalities.
Coastal Leasing - Leasing and finance all types of new and used equipment. Offices nationwide.
Columbia Equipment Finance - Offers equipment financing for growing businesses in the United States.
Combined Capital - Equipment leasing and finance of all kinds. Offering large ticket financing in a variety of markets.
Commercial Lease Solutions - Provides equipment lease financing for business technology.
Cornerstone Capital Group - Nationwide provider of equipment leasing and financing solutions for business.
CSA Financial Corp. - Equipment leasing and financing throughout the United States and Europe.
De Lage Landen - International company offering equipment leasing and asset financing.
Dimension Funding, Inc. - California firm provides equipment leasing for new and used business equipment.
Diplomat Capital Corp. - Provides leasing to expatriates and diplomats in New York, Los Angeles and Washington DC.
Direct Capital Funding, Inc. - Commercial equipment leasing and factoring.
Dyna Lease - Offers flexible business equipment leasing and financing solutions.
E L A Online - Association provides information and statistics about the equipment leasing industry.
EBRnet, L.P. - Lessor of information technology.
ELease - Provides national equipment leasing for small to midsized businesses.
eLease International Inc. - International equipment leasing company providing financing and leasing to small and large businesses.
Enterprise Financial Solutions, Inc. - Providing tax-oriented leasing and financing services nationwide.
Enterprise Leasing of New England - Provides commercial equipment leasing services.
EquiCapital - Offers various leasing programs for vendors and businesses.
Equipment Leasing and Finance Foundation - Developer and disseminator of lease finance information.
Everest Financial Network - Providers of equipment leasing services across a broad spectrum of equipment.
Executive Financial Funding - Lease financing to start-ups, small and medium sized businesses as well as municipalities.
ExecutiveCaliber - Provides lease training for professionals, tools, articles and technical libraries.
Financial Federal Corp. - Equipment lease financing to the construction, manufacturing and transportation industry.
First Capital Equipment Leasing Corp. - Offering equipment leasing for commercial, municipal and federal governments as well as non-profits. Includes glossary of terms and FAQ.
First Credit Corporation - Offers leasing programs for businesses, vendors and brokers.
First Government Lease Co. - Independent company specializing in municipal lease finance.
First Pacific Funding - Provides equipment lease financing for businesses.
First Prime Capital, LLC - Provides commercial financing and leasing services.
First Source Capital - Provides leasing and financing services for general equipment.
FirstCorp - Provides flexible leasing and financing for a wide range of capital assets.
FirstLease - Provides truck lease, maintenance and rental services.
Flex Lease Financial - Provides nationwide equipment and transportation financing.
Ford Financial Services Inc. - Direct lender that specializes in providing equipment leasing.
Forum Financial Services, Inc. - Provides office technology equipment leasing for the entire United States.
FSM Leasing, Inc. - Equipment leasing to federal, state and municipal government entities.
Gatx - Specialized in capital goods leasing, real estate financing, and terminal storage. (NYSE:GMT).
GE Capital - Provides commercial equipment financing for the Mexican maquiladora industry.
Genesis Commercial Capital - Equipment finance and leasing provider for companies throughout the country.
Golden Eagle Credit Corporation - Provides leases on all types of equipment no matter how small or large.
Harris Leasing - Provides options for buying, selling, or leasing a variety of commercial equipment.
Harry Fry & Associates - Provides financing and leasing to the crane and lift industry.
ICON Securities - An equipment lessor entering into or acquiring leases on behalf of its investors.
IFC Credit Corporation - Provides financing for technology and production related business assets.
Intech Funding Corp. - Provides financing services to manufacturing companies nationwide.
Integra Leasing - Offers commercial and equipment leasing.
Jules and Associates, Inc. - Provides equipment lease financing services to corporations nationwide.
Key Equipment Finance - Provides equipment leasing and financing to a diverse group of industries.
Keystone Equipment Leasing, Inc. - Provides leasing and financing of business and professional equipment.
Lake Union Leasing - Provides capital equipment lease finance programs for small and medium sized businesses.
Lasalle Systems Leasing - Provides technology solutions through flexible financing.
Lease Dimensions - Lease services provider to the commercial equipment and vehicle financing industries.
Lease USA, Inc. - A comprehensive nationwide finance and leasing company.
Leasecomm Corporation - Microticket lease financing and lease portfolio acquisition.
Leasecure - Offers leasing for fleets, aircraft and equipment.
LeaseForce International - Provides commercial equipment leasing and consulting.
LeaseLoan - Provides lease financing programs through third-party lenders.
LeaseMark - Offers commercial vehicle and equipment leasing in Northern California.
LeaseNow - Provides lease financing to markets nationwide.
LeasePlan - Global provider of fleet leasing and management services.
LeaseSource - Provides financing for equipment purchases or sales.
LeaseSource, Inc. - Provides financing for commercial, institutional and industrial equipment.
Leaseurope - Represents the European leasing industry to the outside world.
LeaseXpert - Software handling the administration of the leasing process from lease applications to the approval requirements process.
Leasing Ideas - Provides equipment lease financing in the US and United Kingdom.
Leasing Industry News - Topix - News on the leasing industry continually updated from thousands of sources around the net.
Leasing Solutions LLC - Offers funding solutions for lease brokers, lessees, vendors and funding sources.
Leasing Unlimited Group - Offers financing for businesses with A to D-level credit.
Lengyel Enterprises - Provides equipment lease and financing for start-ups and vendors.
LMT Financial - National business equipment financing company, with offices in Connecticut and Arizona.
Lorian Lease Company - Commercial equipment financing and leasing nationwide.
LPI Software Funding Group - Provides lease financing for the software industry.
M2 Lease Funds - Specializes in the lease of general equipment and software to small and middle market companies.
Macarthur Business Credit - Offers small business equipment leasing and financing. Includes glossary and service details.
Matrix Business Capital LLC - Asset-based finance company specializing in new and used equipment financing.
Maximum Equipment Leasing, LLC - Offers business equipment funding solutions for brokers and vendors.
Mbaleasing.com - Provides equipment leasing services to vendors of capital equipment and their customers.
MCDLink.com - Leasing Services - Offers equipment leasing, capital equipment, vendor and equipment dealer services.
McHugh Acceptance Corporation - Offers new and used equipment leasing and financing for all sizes and types.
MDT - Specializes in arranging equity, debt and lease finance.
Media Capital Associates - Offers a resource for small to mid-sized businesses on equipment leasing and commercial finance.
Meridian Finance Group - Provides equipment leasing and export financing.
M&I Leasing - Business leasing company offering computers, software, machinery, and business leasing.
Microfinancial, Inc. - Specializing in lease financing for equipment ranging from 0 to ,000.
Midwest Capital Group - Provides leasing services for U.S. Federal Government contractors, agencies and lenders.
Milestone Equipment Corporation - Leases and manages various heavy transport equipment types.
ML Financial Services, Inc. - Specializes in lease financing for commercial equipment.
Moneysource, Inc. - Offers lease financing for all types of business equipment.
Mosaic International - Provides lease financing for most commercial equipment in the US and Canada.
MWC International Leasing and Financing Ltd. - Provides worldwide equipment and vehicle financing services.
National Leasing Company, Inc. - Provides many different types of vendor and lease programs.
National Vehicle Leasing Association - Trade association representing independent leasing companies in the USA.
NCP Leasing - Specializes in financing rapid prototyping systems and high technology capital equipment.
Netlease.com - Provides leasing and financing of machine tools and production equipment to various manufacturing entities.
New Horizon Business Services - Provides equipment leasing for small to mid sized businesses.
New Millennium Financial Corp - An equipment leasing and sale leaseback finance company.
North Country Financial Group, Inc. - Originates equipment and project loans throughout the United States and Canada.
North Star Leasing - Offers business lease financing for vendors and customers.
Northland Financial Group - Focuses on structuring and facilitating debt side financial transactions for customers and vendors.
OBL Financial Services - Offers finance and leasing solutions for new and used equipment.
OFC Capital - Provides equipment leasing and finance services.
Ogden Leasing, Inc. - Offers leased vehicles and equipment. Based in Kansas.
OneSource Financial - Leasing and finance company that handles all types of leases nationwide.
Opes Financial Solutions - Leases equipment to churches and through vendors.
Oracle Equipment Leasing - Provides equipment leasing and financing for manufacturers and municipalities.
Orion First Financial - Provides primary and back up lease servicing, portfolio management, and consultative services.
Orlan Capital - Offers lease financing solutions that support business and technology strategies.
Pacific Atlantic Systems Leasing - Provides equipment leasing and financing for high technology businesses.
Pacifica Capital - Provides equipment leasing and financing nationwide.
Patriot Commercial Leasing - Provides equipment lease financing for small to mid-sized companies.
Performance Capital Corp. - Provides equipment leasing and commercial lease financing nationwide.
Portfolio Financial Servicing Company - Provides portfolio administration, conversion, and consulting to asset-based financing companies.
Praeneste Technologies - Provides lease management software and a property management system.
Preferred Broker Solutions - Service organization specializing in the continued support to the equipment leasing broker.
Premier Leasing Services - Offers commercial lease-to-own financing for equipment in all 50 states. Specializes in small to medium-sized businesses.
Prime Funding Source - Provides equipment lease financing to a variety of industries.
Primex Leasing Corporation - Provides highly structured operating leases for computers, workstations, servers and software.
Professional Capital Group - Offers equipment financing solutions to the office-based Health Care providor. Provides programs and options that are specific to the needs of Veterinarians, Physicians and Dentists.
Provident Capital Group - Provides equipment leasing programs for manufacturers, distributors and dealers.
Public-finance.com - Provides leasing services for municipalities throughout the United States.
Pure Markets - Brings together lessees and lessors in a neutral marketplace.
Qlease.com - Offers commercial equipment financing to A-C credit companies and startups.
Quail Capital Corp - Provides equipment leasing and financing services for brokers and lessors.
Qualica Financial Group Inc. - Provides commercial equipment lease financing in Canada and the United States.
QuesTech Financial - Offers franchise, retail petroleum and healthcare equipment leasing and financing.
QuikTrak, Inc. - Collateral control firm specializing in inspections for leasing institutions.
Residco - Provides lease financing and asset management services for transportation equipment.
Rochester Equipment Leasing, Inc. - Provides commercial lease financing for new and used equipment.
Saulsbury Hill Financial - Offers leasing services and transaction management outsourcing.
Sexton Companies - Provides a variety of leasing and financing programs for small to mid-sized businesses.
SFC Capital - Offers equipment finance and leasing for small and medium sized businesses.
Sharpe Financial Network - Providing equipment financing to all industries.
Southern California Leasing, Inc. - Provides commercial equipment lease financing nationwide.
Springs Financial Services - Offers commercial equipment leasing.
21st Century Leasing - Offers information on alternative financing, applications and payment quotation request.
1st Equipment Leasing Company - Provides all types of equipment leasing services.
Summit Financial Group - Direct lessor offers equipment and accounts receivable financing.
Sun Star Equipment Leasing - Provides equipment lease financing services.
Sundar Corporation - Real estate sale leaseback specializing in large single tenant properties.
Tatonka Capital Corp - Provides funding for finance projects and leasing.
Team Equipment Leasing - Offers software and equipment leasing services.
Team Leasing, LLC - Finances telephone systems and other capital equipment for small to mid-size companies.
Tiger Leasing - Financing company offers lease services to vendors and businesses.
TransAmerica Solutions - Offers financing solutions for various industries.
Tricon Leasing Group - Provides equipment lease financing and commercial loans for companies nationwide.
Trinity Leasing Company - Leasing company for fleet leasing and fleet management.
United Leasing Associates - Offers equipment and vehicle lease financing options.
US Financial Group - Provides leasing and financing for new and used commercial equipment, including trucks and trailers.
Velcor Leasing Corporation - Vehicle leasing and fleet management services for corporations.
VGM Financial - Designs a wide range of lease financing programs.
Viking Financial Services - Offers customized leasing for the pallet and forest products industry.
Vision Financial Group - Offers financing and leasing for business equipment.
Waterfall Leasing and Finance, UK - Flexible, good value finance and leasing packages for individuals and industry.
Whitney Capital - Offers equipment financing services to fit special budgetary needs.
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Kredyt towarowy (zwany również kupieckim lub handlowym) to postawienie do dyspozycji towarów będących przedmiotem wymiany rynkowej. Występuje on wówczas, gdy normalna transakcja kupna-sprzedaży przekształca się w stosunek kredytowy ze względu na odroczenie terminu zapłaty. Kredyt umożliwia prowadzenie działalności handlowej w sytuacji, gdy potencjalni nabywcy nie mają wystarczających środków finansowych, aby kupić towar w momencie oferowania go do sprzedaży, a równocześnie sprzedawcy nie mogą znaleźć nabywców, którzy mogliby natychmiast zapłacić im gotówką.