The best leasing company for SMEs: How to choose the right partner for the mobility budget?
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More and more companies are opting for a mobility budget in 2026. And more and more employees are opting to use their mobility budget to lease an environmentally-friendly car. But then a key question quickly arises: what is the best leasing company to manage that matches the needs of employees with a mobility budget?
At Mbrella, we guide companies daily in managing their mobility budget. As a result, we see in practice which leasing companies align well with the needs of SMEs, and which do that less so. Based on that experience, we list the best leasing companies below, with extra attention to ease of use, flexibility, and satisfied employees.
Our top 7 best leasing companies in brief:
Criteria for the best leasing company: What we look for
We have carefully compiled our recommendations for the best leasing company based on certain criteria. These are always based on practice and compare the experience of both employers and employees.
- Customer satisfaction of employer and employee
How smooth is the cooperation? We look at reviews, feedback, and the general experience of customers with operational leasing. - Alignment with the needs of SMEs
Is the leasing company flexible enough for smaller organizations? Think of simple contracts, quick decisions, and limited administrative burden. - Offer for employees with a mobility budget
Does the vehicle offer meet employee expectations? Are there enough advantageous options for fully electric cars? And does the TCO allow enough room to use the mobility budget for other mobility options? - Digital experience
How user-friendly are the tools and processes? A strong digital experience simplifies the management of the mobility budget for everyone.
The best leasing company according to Mbrella
1. LIZY: Best leasing company for SMEs
For SMEs offering a mobility budget, LIZY emerges as the best leasing company according to our experts at Mbrella. LIZY is a Belgian scale-up that approaches operational leasing differently from classic players. They understand the challenges of Belgian SMEs like no other.
LIZY works with young used lease cars, most of which are fully electric. These are completely reconditioned and significantly more affordable than new cars. This is particularly interesting for companies with a mobility budget. The TCO is much lower. If an employee chooses a young used car via LIZY, they save an average of €150 per month on their budget, which they can directly use for other pillars of the mobility budget, such as public transport, bike leasing, or rent/mortgage. Moreover, lease contracts as short as 1 to 3 years are also very advantageous at LIZY, giving employees more flexibility.
The digital experience also plays a big role. LIZY was founded in 2019 and is therefore built 'digital-first'. Most of the process, from quote to contract and follow-up, takes place online. Despite this, the personal approach that keeps leasing easy and familiar remains. This translates into high customer satisfaction; on Trustpilot, LIZY scores the highest of all leasing companies in Europe.
2. The 4 "A’s": Strong choice for larger organizations
By this, we mean the classic international leasing companies Ayvens, Athlon, Arval, and Alphabet. These players have much in common. They are particularly strong in managing large fleets. They offer stable processes, a wide range of new cars, and extensive expertise in fleet and mobility policy. This ensures predictability and peace of mind.
For organizations with larger fleets, this is a clear added value. Also, if you have a strong preference for new cars, these companies are an excellent choice. However, for smaller SMEs the quality of service is often slightly lower, which translates into Trustpilot scores of 1.3 (Alphabet), 1.4 (Arval), 3.7 (Ayvens), and 3.8 (Athlon).
3. Belfius Lease: Trusted and financially strong
In addition to specialized leasing companies, many traditional banks offer leasing solutions. A well-known example is Belfius Lease, but KBC also fits this category. They combine leasing with the trusted services of a Belgian bank. For companies that prefer to centralize all their financial products with one partner, this can be a reassuring choice. The approach is stable, financially well-supported, and logically connects to existing bank relationships.
For SMEs with a mobility budget, the focus in bank leasing is often stronger on classic lease formulas and financial structures. As a result, there is usually less room for flexibility, digital self-service, or alternative mobility choices. This makes bank leasing particularly suitable for companies looking for simplicity and continuity, and less so for those who want to maximize the mobility budget.
4. Local Dealers: Personal and around the corner
Some companies consciously choose a local dealer, for example, because of personal contact or the option to take a test drive. This can feel reassuring, especially with a first leasing decision.
At the same time, this choice often entails more hassle and less digital integration. Also, pay close attention to whether your local dealer offers the statutory reporting tools required for the mobility budget. This can sometimes lead to more follow-up and more work, for both employer and employee.
How Mbrella bridges the gap between your leasing company and the mobility budget
No matter which leasing company you choose, the administrative settlement of the mobility budget often remains a challenge. This is where Mbrella comes in. While the leasing company takes care of the car (Pillar 1), Mbrella centralizes all expenses within the mobility budget — from the lease cost in Pillar 1 to train subscriptions, shared mobility, or the reimbursement of rent or mortgage, for example, in Pillar 2. By choosing a smaller, environmentally friendly car in Pillar 1 and spending the remaining budget in Pillar 2, employees get the best of both worlds.
Employers, in turn, get one centralized overview of all mobility expenses in Mbrella.
Conclusion: the best leasing company for SMEs
For SMEs offering a mobility budget, LIZY clearly emerges as the best leasing company for us. The combination of used lease cars, a strong focus on SMEs, and a thorough digital approach ensures more flexibility, less administration, and a better experience for employees.
Precisely this makes the difference between a mobility budget that feels complex and one that truly works.
Do you want to know how to smoothly integrate a lease car from LIZY or others into your mobility budget?
Plan a demo with an Mbrella expert