Unlock Business Financing Without Traditional Collateral

For many entrepreneurs and businesses, the lack of collateral is a significant obstacle when seeking loans or asset-based financing. At Swiss International Venture Capital Ltd, we bridge this gap through our Right-of-Use Asset consulting service.

We help clients and borrowers without collateral access the funding they need—by connecting them with accredited Asset Leasing Partners who can provide collateral on a lease basis.

What Is a 'Right-of-Use' Asset?

A Right-of-Use (ROU) Asset is an asset that a lessee is permitted to use under a formal lease agreement. It does not imply ownership but grants the lessee the right to use the asset for a specific duration and purpose.

This concept is now being adopted as a creative financing solution—especially in cases where clients need an asset to secure a loan or credit facility.

Our Role: Bridging the Gap Between Borrowers & Collateral Providers

For borrowers who do not have collateral:

  • We consult and assess their business needs.
  • We match them with vetted asset leasing companies.
  • We facilitate a Right-of-Use Asset Agreement, enabling the borrower to use the leased asset for financing purposes.
  • Annual Commission Rate: 5% per annum, paid by the borrower
  • We ensure all documentation complies with lending and leasing regulations.

Right-of-Use Asset Agreement Summary

We provide a legally binding agreement that outlines:

  • Lease Term: 5 years
  • Lease Fee: 3% per annum on the asset value
  • Asset Condition: Asset must remain unmovable during the lease period
  • Lien Clause: The asset will have a registered lien in favor of the lender
  • Assignment Rights: The right-of-use can be assigned to lenders for loan security
  • Purpose: Borrower may use the asset as collateral for business loans
  • Termination: Conditions under which the lease may be terminated

This agreement will be signed between:

  • The Lessee (borrower)
  • The Lessor (asset provider)
  • The Lender (if applicable)

Downloadable Document: Right-of-Use Asset Agreement

Below is the draft Right-of-Use Asset Agreement in Word format. You can customize and finalize this with your legal advisor

Get started with Our Right-of-Use Asset Consulting Service

Whether you're a startup, SME, or growing enterprise lacking physical collateral, we offer a pathway to funding through lease-backed collateral arrangements.

  • Schedule a free consultation today.
  • Get matched with a leasing partner.
  • Secure your loan using a leased asset.
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