Get subsidies and save money
LEASING & FINANCING
You can easily lease your bike or finance it in installments – saving emissions and a lot of money! We'll explain how in this post.
LEASING VS. FINANCING
Which is cheaper: leasing or financing? The answer is a clear “It depends” – namely whether your employer offers bike leasing or you can benefit from financial support from the federal government, states, municipalities and social institutions.
In general: Cargo bike financing is eligible for subsidies and can receive several thousand euros in grants – leasing doesn’t always qualify. Still, leasing often offers higher savings potential: If you benefit from employer contributions and high tax advantages with company bike leasing (the latter also applies to freelancers). Plus, insurance and maintenance are usually included in the monthly price.
When it comes to financing, you often have more freedom: you can individually control your regular and long‑term burden – through the amount of down payment and monthly contributions.
LEASING
- High tax benefits
- Employer covers part of the costs
- Maintenance and insurance included at a low cost
- depending on employer, partially capped
- rare cargo bike subsidies
Financing
- always combinable with cargo bike subsidies
- Anyone can do it – without an employer
- Terms individually customizable
- low financing costs apply
- Tax advantage small or zero
COMPANY BIKE LEASING
Want to lease your MÄX & MÄLEON , the easiest way is together with your employer – if you’re self‑employed – with your own business. We are partners with all leading bike‑leasing providers, so you can handle the lease directly with us – or with the dealer of your choice.
Company bike leasing for employees
Your employer leases for you the MÄX & MÄLEON – the monthly installments are automatically deducted from your salary. Thanks to the tax advantage you save up to 40% compared to a classic purchase. If you lease the bike in addition to your salary, you even ride it completely tax‑free. Thus you can lease an MÄX & MÄLEON from €100/month – and depending on the equipment save up to €3,000! After three years you can usually buy the bike for a low final payment and keep it forever.
Company bike leasing for freelancers and self‑employed
Self‑employed and freelance riders also ride tax‑free – thereby preserving their liquidity. Leasing rates and the ongoing costs of a company bike are business expenses and thus tax‑deductible. If you are eligible for input‑tax deduction, you can also subtract the VAT included in the installments from the leasing payments.
In your tax return you can still claim a mileage allowance of €0.30 per kilometre for each one‑way commute on your company bike – without the hassle of a logbook. After three years you can usually purchase the bike for a low final payment and keep it forever: the leasing provider typically offers you around 10 % of the original purchase price.
CALCULATE YOUR BENEFIT
With the Jobrad leasing calculator you can quickly and easily calculate your savings advantage. Just enter the purchase price of your desired bike, your gross salary and your tax class. With the advanced settings you can calculate an exact result – for example with the employer’s contributionö amount or your insurance payments.
LEASING EXAMPLES
PASSENGER
PASSENGER BIKE (Standard): 8.490€
Gross monthly salary: 3.000€
Tax class: 1
Monthly gross rate: 247 €
Relative savings (30%): 2.605 €
36 monthly installments (net): 142 €
TRANSPORTER
TRANSPORTER BIKE (Standard): 7.490€
Gross monthly salary: 3.000€
Tax class: 1
Monthly gross installment: 218 €
Relative savings (31.5%): 2.361 €
36 monthly installments (net): 128 €
Our LEASING PARTNERS:
THE MÄX & MÄLEON-FINANCING
If company bike leasing isn’t an option for you, we’ll gladly advise you on other financing options – for example a personal loan and installment payments. Where possible, we include subsidies and find the best price for you.
- Subsidy possible & monthly installment payment
- The bike is yours – your lifelong companion!
- Full flexibility on down payment and term
Loan calculator
Your bank sets the interest rate based on creditworthiness and term. Play with the slider to see its impact.
Monthly payment
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Non‑binding example calculation, not a loan offer and no financing mediation. Assumption: Annuitätendarlehen with a constant monthly rate. Tatsächliche conditions you receive from your bank. You can find an independent comparison, for example at Finanztip.
How does the MÄX & MÄLEONfinancing work?
For the MÄX & MÄLEONfinancing from €10,000 we recommend the private loan from GLS Bank – the terms apply equally to cargo bikes and e‑cars. We are also happy to work with your lender.
customize
You configure your desired cargo bike in the configurator and send us a request. Shortly after, we’ll get back to you for the funding check.
FUNDING CHECK
We’ll put together the cheapest financing package with you (and, if needed, your dealer) – just send the applications and look forward to your cargo bike.
Pay monthly
After financing approval, you transfer the agreed down payment – and then enjoy the a breeze with fixed monthly installments.
CARGO BIKE FUNDING
Save up to 70% on your MÄX & MÄLEONpurchase? Cargo‑bike subsidies make it possible! Next we’ll explain how your purchase can be funded and which subsidies and financing can be combined.
PRIVATE USE
States and municipalities
There is a wide range of Fördermöglichkeiten from Bundesländern and municipalities – in the best case several thousand euros. An Überblick of more than 100 Fördermöglichkeiten in Germany and Österreich can be found at cargobike.jetzt.
Aktion Mensch
The Aktion Mensch promotes the cargo bike purchase of non-profit organizations. Within the program „Mobil mit Rad“ a full financing without own funds – up to 20.000 € for e-cargo bikes specifically for transporting people with disabilities. (More about this on our Inclusion Speedster)
Regional social institutions
Many social institutions are open to cooperation, especially when transporting people with disabilities. We’re happy to share our knowledge and experience with you – just get in touch!
SELF-EMPLOYED AND FREELANCERS
Federal Ministry for the Environment / BAFA
You are self-employed, freelance or have a business with a trade license – great. Then there is a generous BAFA funding (Federal Office for Economic Affairs and Export Control). Specifically, 25% of the purchase cost up to a maximum of 2500€ for commercial e‑cargo bikes and e‑trailers with Pedelec 25 drive will be covered.
Hire purchase is eligible for subsidies, leasing is not. You can combine the BAFA funding with grants from federal states and municipalities, provided the latter allow it. The TRANSPORTER BIKE can load up to 110kg and is therefore eligible, while the PASSENGER BIKE is a bit more complex; please contact us in advance.
Submit the BAFA application before ordering – you can only trigger the purchase after receiving a grant notice. Bonus: Depreciate the cargo bike over years and save big on taxes.
Further funding opportunities for self‑employed and freelancers can be found at cargobike.jetzt.
The liquiditätsschonende alternative is the company bike leasing ↑
FAQ: FREQUENT QUESTIONS
We help you navigate the financing and Förder jungle! Almost für any situation there is a suitable financing or Förder – contact us directly or a MÄX & MÄLEON-Händler. We have often supported customers with financing and Förder questions – just call, we advise you free and personally: +49 69 870043090
Yes! Every MÄX & MÄLEON-Händler can offer the financing.
It depends – it depends on your personal situation. Especially as an employee you benefit from company bike leasing, saving up to 40% versus buying outright. With cargo bike financing you can use the cargo bike subsidy. Whether leasing or financing, you can save real money!
Company bike leasing as an employee depends on your employer. Check your company's rules. There's no financing cap. No cap for the self‑employed either.
With a direct purchase you can use the cargo bike subsidy. This isn’t always possible with leasing. Moreover, a direct purchase gets the bike to you fastest, because you can simply order it and don’t have to wait for approvals.
Combining cargo‑bike funding with leasing is often not possible. However, some municipalities are already rethinking, so check the local funding conditions.
Cargo‑bike subsidies and financing can always be combined – we know of no case where it doesn’t work 😉
No, we receive no commission. We’re proud vehicle builders and want financing to ensure everyone can afford the best – an MÄX & MÄLEON.
Yes, but it’s a bit more complex. We’re happy to explain over a call!
Unfortunately no – our financing partner only offers this installment loan für private individuals. With a small loan für Selbstständige you can still finance your MÄX & MÄLEON naturally. At Verivox you can compare small loans.
Use company bike leasing here – it stays off your balance sheet. Financing or buying outright lets you slash taxes, with minimal financing costs and multi‑year depreciation.
No – our financing partner only offers this to private individuals. Using a small business loan or even a loan from your bank? Great, you can combine BAFA funding with financing.