100% Upfront Transparency · No Hidden Charges

Lease Structuring & Repayment Studio

Model your asset acquisition across 6 to 48 months, view the complete principal amortization table, and export your structure directly to our online application portal.

Interactive Lease Structuring Studio

Transparent Naira (₦) repayment estimator · Zero hidden charges

1. Select Lease Asset Category

2. Pro-Forma Invoice Asset Value (₦)₦18,000,000

Min: ₦3,000,000Typical: ₦18,000,000Max: ₦120,000,000

3. Upfront Equity Contribution (30%)Initial lessee deposit paid upon Indicative Offer acceptance

₦5,400,000

Min Equity: 25%Standard: 30%Max Equity: 60%

4. Repayment Tenor (Months)24 Monthly Installments (2 Years)

Eligible Assets under Automobile & Commercial Fleet Lease:

Brand New & Certified Pre-Owned Saloon Cars & SUVs

Corporate Staff Buses & Executive Shuttles

Commercial Delivery Vans & Logistics Fleet Vehicles

Light & Medium-Duty Haulage Trucks

Indicative Lease Summary

₦877,800/ month for 24 mos

Pro-Forma Asset Value₦18,000,000

Upfront Equity (30%)₦5,400,000

Net Financed Amount (Principal)₦12,600,000

Repayment Tenor24 Monthly Rentals

End-of-Term Ownership100% Transfers to Lessee

Transparent Structuring: No hidden charges. Final lease rate is confirmed in your formal Indicative Offer upon review of your Pro-Forma Invoice and bank statement.

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Indicative Monthly Lease Repayment Schedule (24 Months)

Aligned with post-dated cheque / direct debit installment schedule upon offer acceptance.

Financed Principal: ₦12,600,000

Installment	Opening Principal	Principal Repayment	Lease Charge	Monthly Lease Rental	Closing Principal
Month 1	₦12,600,000	₦525,000	₦352,800	₦877,800	₦12,075,000
Month 2	₦12,075,000	₦525,000	₦352,800	₦877,800	₦11,550,000
Month 3	₦11,550,000	₦525,000	₦352,800	₦877,800	₦11,025,000
Month 4	₦11,025,000	₦525,000	₦352,800	₦877,800	₦10,500,000
Month 5	₦10,500,000	₦525,000	₦352,800	₦877,800	₦9,975,000
Month 6	₦9,975,000	₦525,000	₦352,800	₦877,800	₦9,450,000
Month 7	₦9,450,000	₦525,000	₦352,800	₦877,800	₦8,925,000
Month 8	₦8,925,000	₦525,000	₦352,800	₦877,800	₦8,400,000
Month 9	₦8,400,000	₦525,000	₦352,800	₦877,800	₦7,875,000
Month 10	₦7,875,000	₦525,000	₦352,800	₦877,800	₦7,350,000
Month 11	₦7,350,000	₦525,000	₦352,800	₦877,800	₦6,825,000
Month 12	₦6,825,000	₦525,000	₦352,800	₦877,800	₦6,300,000
Month 13	₦6,300,000	₦525,000	₦352,800	₦877,800	₦5,775,000
Month 14	₦5,775,000	₦525,000	₦352,800	₦877,800	₦5,250,000
Month 15	₦5,250,000	₦525,000	₦352,800	₦877,800	₦4,725,000
Month 16	₦4,725,000	₦525,000	₦352,800	₦877,800	₦4,200,000
Month 17	₦4,200,000	₦525,000	₦352,800	₦877,800	₦3,675,000
Month 18	₦3,675,000	₦525,000	₦352,800	₦877,800	₦3,150,000
Month 19	₦3,150,000	₦525,000	₦352,800	₦877,800	₦2,625,000
Month 20	₦2,625,000	₦525,000	₦352,800	₦877,800	₦2,100,000
Month 21	₦2,100,000	₦525,000	₦352,800	₦877,800	₦1,575,000
Month 22	₦1,575,000	₦525,000	₦352,800	₦877,800	₦1,050,000
Month 23	₦1,050,000	₦525,000	₦352,800	₦877,800	₦525,000
Month 24	₦525,000	₦525,000	₦352,800	₦877,800	₦0

How Equity Contribution Works

Your upfront equity contribution (typically 20%–30% of the Pro-Forma Invoice value) reduces your financed principal and lowers your monthly rental obligation. It is only payable after you review and accept your formal Indicative Offer.

Vendor Pro-Forma Invoice Flexibility

You are free to source your Pro-Forma Invoice from any accredited dealer in Nigeria, or request quotes from Adept Lessor's partner network (ELAN Business Connect & FirstBank SME Connect vendors).

Bespoke Corporate Structuring

Need Seasonal or Milestone Repayments?

For corporate fleets, hospitals, and schools, our credit committee can align rentals with quarterly or contract cash-flow cycles.

Speak with Corporate Advisory