What is Asset Finance?
Asset Finance allows you to acquire business critical assets without paying the full cost up front. It allows you to spread the purchase cost over affordable monthly repayments. Asset Finance preserves your current working capital facilities and other credit lines. Asset Finance is an efficient method of replacing and upgrading those items needed to keep you competitive and ahead of the game
Assets we fund
Transport
We offer funding for a variety of transportation assets to support business operations. This includes cars, vans, HGVs, trailers, busses and coaches, helping businesses access the vehicles they need to operate efficiently and effectively
Agriculture
We offer funding for a variety of agricultural assets to support farming operations. This includes tractors, telescopic handlers, grading equipment, sprayers, and packing lines, all essential to improving efficiency and productivity in the agricultural sector. Our funding helps businesses access the right equipment to grow and scale their operations effectively
Construction
We provide funding for a range of construction assets to support building and infrastructure projects. This includes excavators, mini diggers, telehandlers, compactors, and cranes, all crucial for enhancing the efficiency and capability of construction operations. Our funding helps businesses access the equipment they need to complete projects on time and to a high standard
Manufacturing
We provide funding for a range of manufacturing assets to support production and operations. This includes filling machines, extruders, packaging equipment, food processing machinery, and machining centers, helping businesses improve efficiency and meet production demands
Technology
We offer funding for a variety of technology assets to support business operations. This includes servers and mainframes, audio-visual equipment, PCs, EPOS systems, and data centers, enabling businesses to enhance their technological capabilities and streamline their processes
Specialist
We provide funding for a range of specialist assets across various industries. This includes renewables, healthcare equipment, aviation, and marine assets, helping businesses access the specialized tools and technology they need to operate efficiently and stay competitive in their respective sectors
Finance options
Hire Purchase (HP)
A simple and flexible finance option that allows you to spread the cost of an asset over time, with the option to own it at the end. Payments can be structured to suit your cash flow, with the potential to reduce monthly costs by including a final balloon payment. Fixed or variable interest rates are available
Business Contract Hire
A great option for businesses looking to lease rather than own vehicles. We source a new vehicle to meet your needs, and you benefit from fixed monthly rentals that help manage budgets. At the end of the term, you can simply upgrade to a new vehicle, typically every 2–4 years
Finance Lease
Ideal for businesses that want to use equipment without a large initial outlay. We purchase the asset and lease it to you over a set term, with the option to continue leasing once repayments are complete. VAT and lease rental charges may be recoverable, making this a tax-efficient option for many
Residual Value Lease
Designed for businesses that want access to assets without taking on ownership risks. This facility involves lower initial costs and no disposal concerns at the end of the term. Rentals are tailored to your cash flow and you’re protected against the depreciation of the asset’s value. VAT and lease charges may also be recoverable
Chattel Mortgages
This facility provides immediate ownership of the asset while using it as security for the loan. It offers flexible repayment terms, the possibility of capital repayment holidays, and the option to draw down funds as a lump sum or in instalments. There may also be tax advantages for assets used in the business
Frequently asked
What types of assets can be finance? - all types of assets can be financed including cars, vans, HGV's, machinery and more.
Do you only lend to limited companies? - No! we can provide finance to Partnerships, sole traders and LLP's.
Is a deposit always required? - not necessarily, we can offer facilities where the VAT is the only thing you need to find up front.
Does the asset have to be brand new? - No, we can look at used vehicles and equipment.
What is the minimum amount that can be financed? - We have funders that will lend from as low as £5000.
How long can the finance agreement be? - Depending on the asset, the term can be up to 10 years.
Who will own the asset at the end of the agreement? - with HP, Lease purchase and PCP, provided that you have paid all payments and option fees, then you will own the asset.
Can I finance a car in my own name? - yes, we can finance personal cars in your own name along with your friends and family if they want to take advantage of our competitive rates.
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