How Our Lease Process Works & Document Checklist
We have engineered the Adept Lessor application workflow to be clear, predictable, and fast. Review our 7-step lifecycle and verify your document readiness below.
Seven Steps from Equipment Selection to Handover
Identify Your Equipment or Asset Needs
Define the exact specifications that will drive your productivity
Determine the specific vehicle, medical device, generator, solar array, office technology, or home appliance you require. Our advisory desk can also help you evaluate the right asset specification for your budget.
Obtain a Pro-Forma Invoice
Select from your preferred vendor or our vetted partner network
Request an official Pro-Forma Invoice addressed to Adept Lessor Limited from a reputable vendor of your choice, or ask our procurement network to source competitive quotes from verified Nigerian dealers.
Submit Online Application & Documents
Complete our streamlined digital application portal
Fill out the online lease application form on our portal and provide the standard KYC and financial requirements (bank statement, ID, utility bill, and CAC documents for corporate applicants).
Receive Your Indicative Lease Offer
100% transparent terms with zero hidden charges
Our credit and structuring team evaluates your application and issues a clear Indicative Offer detailing your equity contribution, monthly lease rental, tenor, and full cost breakdown.
Discuss, Refine & Accept Offer
Collaborative structuring aligned with your cash flow
Review the indicative offer with your dedicated Adept Lessor relationship manager. Once satisfied with the repayment schedule and terms, execute the formal offer acceptance.
Execute Agreement & Repayment Mandate
Issue post-dated cheques or repayment instruments
Finalize the Lease Agreement, remit your agreed equity contribution, and provide the post-dated cheques (and guarantor/board resolution documents) covering the agreed lease duration.
Asset Pickup or Direct Delivery
Deploy your asset immediately while paying over time
Adept Lessor settles the vendor directly and authorizes immediate release or delivery of your leased vehicle, equipment, or appliance so you can put it to work right away.
Required Documents & Readiness Checker
Select your applicant profile (Corporate vs. Individual) and tick the documents you currently have available to gauge your application readiness.
3 of 8 Mandatory Documents Ready (38%)
Official quote/pro-forma invoice for the vehicles, medical devices, generators, or equipment required.
12 months corporate statement of account demonstrating operational cash flow.
Certificate of Incorporation, Memorandum & Articles of Association (MEMART), CAC Form CO2 & Form CO7 (or CAC Status Report).
Formal lease financing request stating the asset, amount, and desired tenor on official letterhead.
Board resolution authorizing the borrowing/lease facility and mandating the MD or representative to act.
Recent utility bills (within 3 months) for both the corporate office address and the MD's residential address.
Government-issued identification and two passport photographs of the Managing Director / key signatories.
Covering the agreed lease duration, issued upon acceptance of the indicative lease offer.
Active purchase orders, hospital/clinic license, audited financials, or invoices supporting cash flow.