Asset Finance 

Whether you are looking to buy a new asset or release capital from an asset you already own, we can help you with our market leading range of solutions.


From pictures for the walls of your offices to heavy machinery, we can provide you with funding.

Convenient – Use an asset without having to pay for it all up front.

Flexible Terms – Options are generally available from 1 – 7 years.

Helps Cash Flow – No need to tie up capital to get the machinery you need.

Easy To Access – we can help you every step of the way.

Call us now to discuss how we can help – 01492 233 808.

Own It

Hire Purchase

Lease Purchase

Lease It

Finance Lease

Operating Lease

Own It

Hire Purchase

Lease Purchase

Lease It

Finance Lease

Operating Lease

To Own Or Lease?

At the end of the agreement, if you want to own the asset you are likely to want a Hire Purchase or Lease Purchase.

On the other hand if you just want to have use of an asset but aren’t wanting to keep it a lease agreement would be better for you.¬†

Hire Purchase

Hire Purchase is a very common and probably most well known way of buying an asset.

The loan is secured on the asset with the borrower taking ownership after the last payment is made.

Hire Purchase

Hire Purchase is a very common and probably most well known way of buying an asset.

The loan is secured on the asset with the borrower taking ownership after the last payment is made.

Lease Purchase

Lease purchases are similar to HP’s in that after a final payment the borrower owns the asset.

They generally have cheaper monthly installments with a final or balloon payment at the end.

Lease purchases are similar to HP’s in that after a final payment the borrower owns the asset.

They generally have cheaper monthly installments with a final or balloon payment at the end.

Lease Purchase

Finance Lease

Agreements are effectively a long-term rental arrangement whereby you pay for the use of an asset over a set period of time but do not take ownership of the asset.

At the end of the agreement you can continue using the asset by entering into a secondary rental period, return the asset to the finance company or sell the asset to a third party.

Finance leases can be cost effective as often a large upfront outlay is not required, the repayments and lease periods can often be tailored to meet your business needs and the rental payments can usually be offset against pre-tax profits.

Finance Lease

Agreements are effectively a long-term rental arrangement whereby you pay for the use of an asset over a set period of time but do not take ownership of the asset.

At the end of the agreement you can continue using the asset by entering into a secondary rental period, return the asset to the finance company or sell the asset to a third party.

Finance leases can be cost effective as often a large upfront outlay is not required, the repayments and lease periods can often be tailored to meet your business needs and the rental payments can usually be offset against pre-tax profits.

Operating Lease

A rental agreement that can be used for a wide range of business assets.

An operating lease gives you quick access to an asset without a large upfront payment which can aid cash flow, you do not need to worry about disposing of the item at the end of your agreement, you simply hand it back to the provider and rentals can normally be offset against taxable profits. .

A rental agreement that can be used for a wide range of business assets.

An operating lease gives you quick access to an asset without a large upfront payment which can aid cash flow, you do not need to worry about disposing of the item at the end of your agreement, you simply hand it back to the provider and rentals can normally be offset against taxable profits. .

Operating Lease

Refinance

Is ideal for businesses that need to release capital from unencumbered assets or assets that are nearing the end of their loan term.

Refinance is typically structured using either Hire Purchase or Finance Lease agreements and often boosts a businesses working capital.

Funds can be utilised for business expansion, paying tax, purchasing a new asset or restructuring existing finance arrangements to reduce monthly payments.

Refinance

Is ideal for businesses that need to release capital from unencumbered assets or assets that are nearing the end of their loan term.

Refinance is typically structured using either Hire Purchase or Finance Lease agreements and often boosts a businesses working capital.

Funds can be utilised for business expansion, paying tax, purchasing a new asset or restructuring existing finance arrangements to reduce monthly payments.

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