Deposit-free commercial leasing that replaces expensive bank guarantees and cash deposits. Cover is priced against your own portfolio's risk profile and goes wider than a traditional deposit. The monthly fee is tax deductible.
Tenant profiles, risk exposures and lease structures differ from one commercial portfolio to the next. Zero Capital™ has no fixed pricing tiers. Each proposal is built from your portfolio's own risk profile and claims history.
Every portfolio assessed individually.
Pricing based on your data, not industry averages.
Exactly what is protected, and how the product responds at lease end.
Suretyships and bank guarantees take weeks to arrange and tie up working capital for the whole lease term. Zero Capital™ costs less, starts immediately and covers more.
Cash Deposit
Bank Instrument
LeaseSurance
When a commercial lease ends, the claim follows a documented path. No legal proceedings are required.
Final account → Submit claim → Assessment → Settlement.
One documented path from lease end to payout.
Zero Capital™ pricing is never generic. Every commercial portfolio is assessed on its own performance data, not on industry benchmarks.
Your data. Your risk profile. Your pricing.
Never cross-subsidised.
Unlike a cash deposit (which is a refundable asset, not an expense), the Zero Capital™ monthly fee is classified as an operating expense and is fully tax deductible for the tenant. This means the net cost of lease insurance is materially lower than the opportunity cost of capital tied up in a deposit or bank guarantee facility.
For commercial tenants, this distinction matters. The monthly fee flows through the income statement as a deductible operating cost. A cash deposit sits on the balance sheet as a non-deductible current asset, earning minimal interest and producing no tax benefit.
The monthly fee is a deductible operating cost, not locked capital. It costs less in effect than a deposit or a bank guarantee.