How Startup House Cut Leasing Applications to 2 Minutes for Siemens Financial Services
Alexander Stasiak
Oct 06, 2026・5 min read
Key facts at a glance
- Client: Siemens Financial Services (SFS) Poland, part of the Siemens Group, with more than 20 years on the Polish market
- Partnership: ongoing since 2016
- What we built: 3 cloud-based sales products integrated with Siemens systems and external providers, including the flagship platform SimplyLease Online
- Leasing application time: about 2 minutes
- Credit decision: automated, available 24/7, delivered in about 7 minutes
- Recognition: Polish E-commerce Award 2017 for SimplyLease as one of the most innovative products of the year
- Tech stack: Ruby on Rails, PostgreSQL, React.js, Preact.js, TypeScript
The client: enterprise financing for industrial, medical, and IT sectors
Siemens Financial Services Poland provides leasing and financing for the industrial, medical, and IT & Office sectors. As part of the global Siemens Group, SFS operates under strict corporate security standards and connects to Siemens's global infrastructure.
That context matters. Any digital product built for SFS had to meet enterprise security requirements, integrate with existing Siemens systems, and still feel as fast and simple as a consumer app.
The challenge: financing that keeps pace with the customer
Traditional leasing processes are slow. Paper applications, manual credit checks, and office-hours-only decisions create friction for business customers who need equipment financing to move at the speed of their operations.
SFS came to Startup House with a clear goal: design and build a financing process that is fast, secure, and convenient. The leasing application should take minutes, not days. The credit decision should be automatic and available around the clock.
The solution: SimplyLease Online and two more cloud products
Since 2016, Startup House has designed and built three cloud-based products for Siemens Financial Services, integrated with both internal Siemens systems and external providers. The flagship is SimplyLease Online, a comprehensive cloud-based financial platform for leasing.
How the product works for the end customer:
- The customer fills in a leasing application online. The flow is designed to take about 2 minutes.
- The platform runs an automated credit assessment. No manual review is needed for standard cases.
- The customer receives a credit decision in about 7 minutes. The decision engine runs 24/7, so a customer applying on a Sunday evening gets an answer on a Sunday evening.
How we worked
We ran the project with a startup-like approach inside an enterprise environment: rapid prototyping, Agile methodologies, and dozens of prototypes and idea tests before committing to production builds. Day-to-day collaboration ran through Slack, Jira, and GitHub.
The technology
The platform runs on Ruby on Rails and PostgreSQL on the backend, with React.js, Preact.js, and TypeScript on the frontend. The architecture is cloud-based and integrates with Siemens's corporate systems as well as external data providers used in the credit decision process.
The results
- Leasing applications completed in about 2 minutes. What used to be a paperwork exercise became a short online flow.
- Automated credit decisions in about 7 minutes, 24/7. Customers no longer wait for office hours or manual reviews in standard cases.
- Polish E-commerce Award 2017. SimplyLease was recognized as one of the most innovative products of the year.
- Personalization of the financing process around the business needs of SFS customers.
- Digitized processes and less paper, in line with SFS's environmental policy.
- Participation in the first online payment platform dedicated exclusively to the B2B channel in this market.
The partnership has now been running for a decade. As Piotr Stępień, Head of Technology at Siemens, puts it:
"Startup House is our trusted software development partner, with whom we have worked for many years."
Why this case matters for enterprise fintech
Three lessons from this project apply to almost any financing or lending product:
Automation is the product. The value of SimplyLease is not the interface. It is the fact that a credit decision that used to require a human now happens automatically, at any hour. If you are digitizing a financial process, the decision engine deserves as much design attention as the UI.
Enterprise integration is where fintech projects live or die. The platform works because it connects to Siemens's internal systems and external data providers. A beautiful application form with a manual back office behind it would not have changed the numbers.
Speed and security are not a trade-off. SFS operates under strict Siemens Group security standards. The 2-minute application and 7-minute decision were achieved within those constraints, not around them.
About Startup House
Startup House (SH) is a 50-person software development company based in Warsaw, Poland, established in 2016. We have shipped 100+ web and mobile products for clients on 5 continents, and we are ISO 27001 compliant. We build digital products end to end, from product discovery through development to long-term maintenance, with AI-augmented delivery workflows.
Want a financing process your customers can complete in minutes? Book a 30-min call.
FAQ
What did Startup House build for Siemens Financial Services?
Startup House built three cloud-based sales products for Siemens Financial Services Poland, integrated with Siemens's internal systems and external providers. The flagship is SimplyLease Online, a cloud platform where customers complete a leasing application in about 2 minutes and receive an automated credit decision in about 7 minutes, 24/7.
How long has Startup House worked with Siemens Financial Services?
The partnership started in 2016 and is ongoing. In 2017, SimplyLease won the Polish E-commerce Award as one of the most innovative products of the year.
What technologies power SimplyLease Online?
The platform is built with Ruby on Rails and PostgreSQL on the backend and React.js, Preact.js, and TypeScript on the frontend, running as a cloud-based application integrated with Siemens's corporate infrastructure.
Can leasing credit decisions really be automated?
Yes. On SimplyLease Online, the credit decision for standard applications is fully automated and available 24/7, with a decision delivered in about 7 minutes. Automation of the decision process, not just the application form, is what makes the product fast.
Sources & further reading
- Siemens Financial Services case study(startup-house.com)
How this article was made. Drafted with AI assistance, then fact-checked and edited by our team. Editorial responsibility: Startup Development House sp. z o.o. Read our AI content policy
Digital Transformation Strategy for Siemens Finance
Cloud-based platform for Siemens Financial Services in Poland
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