13 years back I managed to get some machinery leased via orix, as a commercial enterprise.
It was tough wager but I took my chances, based on my balance sheet of 5 years they financed at 15% down in shape of collateral papers i got 8 digit worth equipment at 19% markup when banks were offering as low as 9%. It was clean transaction banking & collateral papers verified, transfer deeds with conditions and approx dates signed in 21 days i got the sanction, 60th day equipment arrived at the facility. Signed period for lease was 40 months, i was not charged extra upon clearance to Zero in 30 months. collateral papers returned swift & smooth.
The Only instance in life to seek lease and paid interest which was actually a rental agreement to OWN if agreed amount is paid in specified period of time with a buy back option in case of default.
Individual customers may need to submit some extra paper work, however do call them up request as corporate entity for a Car Lease. Nothing like bank account holder seeking lease from bank.