Property leasing: pay for your premises through rent, and buy them at a price fixed today
Commercial premises, warehouse, business unit or industrial building: a property lessor buys the asset you have chosen, you occupy it paying rent over a long term, and you can buy it at the end of the term, at a price set out in the contract from signature. Hyppo prepares your file and presents it to property lessors.
Tailored study by an adviser
- Commercial and industrial premises, warehouses, offices
- Rent over a long term, 15 years for example
- A purchase price fixed at signing
- Rates from 5%, indicative as at 9 November 2026
Have you found premises for your business, but do not want to tie up your cash in a purchase? With property leasing, a lessor buys the property you have chosen, or has it built, and leases it to you.
Throughout the term of the contract, 15 years for example, you occupy the premises as an owner would: you fit them out, run your business there, and pay rent. At the end, you can buy them at the price written into the contract at signing.
That price does not change: if the premises have risen in value, the gain is yours. If you do not exercise the option, you hand the premises back, without having to sell them.
For which projects?
Buy your commercial premises: shop, restaurant, showroom, rather than remaining a tenant.
Set up your business in a warehouse, a logistics platform or business premises.
Fund a industrial building: workshop, production site, existing or to be built.
Acquire your offices, through the company that occupies them or through an SCI (société civile immobilière, a French property-holding company) held by its shareholders.
Property leasing applies to premises used for professional purposes. Do you already own your premises and want to release their value? See the property sale and leaseback.
Examples of property leasing projects
Its commercial premises
The lessor buys the premises you operate from. Your rent no longer builds a landlord's wealth: at the end, you can buy the premises.
An industrial or logistics site
Workshop, warehouse, production building: the property is bought or built for your business, and you occupy it paying rent.
A purchase price known in advance
The contract fixes the option exercise price at signing. If your premises are worth more in 15 years, the gain is yours.
What Hyppo does for you
- 01
A file built with you, presented the way a lessor reads it: company accounts, forecast, ability to pay the rent, description and price of the premises.
- 02
Proposals from several lessors, sourced for you.
- 03
Each offer reviewed with you: rent, term, advance payment required at the outset, option exercise price, early exit conditions.
- 04
A single point of contact, from the search for financing through to signing at the notary's office.
Hesitating with a mortgage loan? Hyppo can also price it for the same project, so you can decide knowing both.
How it works
You describe your project through the contact form, then tell us about your business and the premises in view.
You gather the company accounts, the forecast and the description or the preliminary sale agreement (compromis) for the property.
Hyppo presents your file to lessors. You receive the proposals, reviewed with you, and you choose.
The lessor buys the premises, you move in and pay your rent. At the end, you exercise the option at the agreed price.
Why go through Hyppo for your premises?
A file that speaks to lessors
Accounts, forecast, ability to pay the rent, quality of the premises: Hyppo presents your company the way a lessor analyses it.
Offers reviewed with you
Rent, term, initial advance, option exercise price, early exit: you know what you are signing, and what you will pay at the end.
Always on your side
Hyppo does not lend: it seeks proposals for you from lessors and more than 65 partner banks.
Registered with ORIAS
Hyppo (REFI Technologies) is registered with ORIAS under number 23005573 as an intermediary in banking operations and payment services.
Frequently asked questions
Another question about your situation? A Hyppo adviser will answer.
What is the rate?
As a guide, as at 9 November 2026, financing starts from 5%, excluding insurance. The exact rate depends on the file, the term and the lender selected; it is set at review.
What is property leasing?
It is a contract under which a lessor buys, or has built, professional premises chosen by the company, then leases them to it. The company may become the owner at the latest at the end of the contract, by exercising a purchase option (article L313-7 of the French Monetary and Financial Code).
Is the purchase price really fixed at signing?
Yes. The contract fixes the exercise price of the purchase option, which takes into account the rent already paid (article L313-7 of the French Monetary and Financial Code). You know from the outset what the property will cost you at the end, whatever happens in the property market in the meantime.
Who owns the premises during the contract?
The lessor, until the option is exercised. You occupy and operate the premises as if they were yours. The contract sets out the costs that fall to you: maintenance, insurance or property tax are often borne by the company.
Can the option be exercised before the end of the term?
It depends on the contract. Many provide for early exercise of the option, at a price and on dates set in advance. Hyppo looks at this point in every proposal, together with the exit conditions if your business changes.
Leasing or mortgage-backed loan: which to choose?
With a loan, the company owns the property from the purchase and pledges it as a guarantee. With property leasing, the lessor remains the owner until the option is exercised. Compare the total cost, including rent and the option exercise price, and the early exit conditions. Hyppo can price both options for the same project.
How is property leasing taxed?
Rent is in principle deductible from the company's profit. Property leasing nevertheless has its own rules, notably a possible add-back when the option is exercised (article 239 sexies of the French General Tax Code). Your chartered accountant can calculate the effect for your company.
Does Hyppo finance the leasing itself?
No. Hyppo is registered with ORIAS under number 23005573, as an intermediary in banking transactions. It does not lend and does not buy the assets: it sources the financing for you from property lessors, its banks and partners.
