Fleet, Leasing & Financing
GlobalB Law structures the leasing and financing behind vehicle fleets, drawing the line between regulated financial leasing and operational rental, for lessors, fleet operators and corporate customers.
Vehicle fleets are acquired and run through a spectrum of structures, from regulated financial leasing to operational rental and full-service fleet management, and the classification drives licensing, tax and liability. GlobalB Law advises lessors, fleet operators, banks and finance companies, and corporate fleet customers on choosing and documenting the right structure.
Financial leasing is a regulated activity under the Financial Leasing, Factoring, Financing and Savings Finance Companies Law No. 6361, supervised by the BDDK, and typically anticipates the lessee acquiring the asset. Operational leasing and fleet rental sit outside that regime as a service, without a transfer-of-ownership purpose. We structure each programme under the correct regime and document the boundary clearly.
On the commercial terms, we draft residual-value, maintenance, insurance, early-termination and end-of-lease condition clauses, allocate liability for accidents and traffic fines between lessor, lessee and driver, and build the data-protection layer for telematics and driver data under the KVKK, alongside consumer-credit, sale-and-leaseback and cross-border considerations.
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What is the difference between financial and operational leasing in Türkiye?
Financial leasing is a regulated activity under Law No. 6361, supervised by the BDDK, where the lessee typically has the option or expectation to acquire the asset. Operational leasing (operasyonel kiralama) is a rental service with no transfer-of-ownership purpose and falls outside that regime. The classification affects licensing, tax and accounting, so we structure each fleet deal under the correct one.
Does a fleet company need a licence?
It depends on the activity. Financial leasing companies must be licensed and supervised by the BDDK under Law No. 6361. Operational leasing and fleet rental do not require that licence but remain subject to commercial, tax and consumer rules. We advise on exactly which activities cross into regulated financing.
Who is liable for accidents and traffic fines in a leased fleet?
Liability is allocated by contract within the limits of Turkish traffic and tort law, with the registered keeper's obligations and the insurance arrangements playing a central role. Ambiguity here is a common source of disputes, so we draft clear allocation, indemnity and insurance clauses between lessor, lessee and driver.
Can telematics and driver data be collected in fleet vehicles?
Yes, but driver and location data are personal data under the KVKK, and the GDPR for EU operations, requiring a lawful basis, transparency and proportionality. We prepare the data-processing framework, driver notices and retention rules so connected fleet management stays compliant.
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