Europejski Fundusz Leasingowy SA has been operating in the Polish market for 13 years. EFL has metamorphosed from the small independent leasing company into a member company of one of the world's largest financial institutions, Credit Agricole. Being part of a worldwide organization has implications for all aspects of the company's functioning: image, products, management. It directly affects the credit standing of the company: the credit-rating agency Moody's Investors Service has upgraded its rating from Baa1 to A2.