CNH Industrial Capital Europe, S.A.S., Sucursal en España

CNH Industrial Capital Europe, S.A.S., Sucursal en España is the Spanish branch of CNH Industrial Capital Europe S.A.S., the captive finance arm of CNH Industrial that provides financing solutions linked to the group’s equipment brands. Its activity in Spain focuses on funding purchases and leases of agricultural and construction machinery from brands such as Case IH, New Holland Agriculture, STEYR, CASE Construction Equipment, and New Holland Construction, as well as inventory (floorplan) financing for authorized dealers. Products typically include installment loans and finance or operating leases secured by the equipment, with terms, rates, and residual values set according to asset type, usage, and credit assessment; promotional offers may be tied to manufacturer programs and vary over time. Distribution is through brand dealerships and company channels rather than an open marketplace. This entity does not operate as a retail bank and does not provide current accounts or deposit-taking services; its scope is equipment-related credit and ancillary services such as insurance or extended protection arranged alongside financing, subject to availability. Contracts commonly include documentation fees, late-payment charges, and conditions on early repayment or early termination, and customers remain responsible for obligations tied to residual values and wear-and-tear under leases. Eligibility and underwriting rely on financial statements, income evidence, and asset details, and collateral is usually the financed machine. The offering is designed for professional users—farmers, contractors, and construction businesses in Spain—seeking financing directly connected to CNH Industrial brands, which may limit applicability to equipment from other manufacturers.