Finance Lease
A simple method of financing equipment. You have immediate use of the equipment upon payment of the initial rental. We can structure the agreement to suit your cashflow.
You can normally offset your monthly rentals against taxable profits. You can also reclaim the VAT on your monthly payments.
Operating Lease (or Lease Rental/Contract Hire)
A simple rental agreement which may mean that you can lease equipment for a shorter period of time at lower rentals as the lessor will expect to sell it second-hand at the end of the lease, or to lease again to someone else. If you are a business participating in our
A simple rental agreement which may mean that you can lease equipment for a shorter period of time at lower rentals as the lessor will expect to sell it second-hand at the end of the lease, or to lease again to someone else. If you are a business participating in our vendor finance programme and outright ownership is not required, lease rental offers your customers greater tax efficiency as the fixed rentals can be offset against profits. It also allows them to upgrade equipment during the lease term.
We can also build in full maintenance options over the agreement period, taking away the hassle of budgeting for unexpected costs, leaving you or your client with more time to do what you know best – run and grow your business.
Operating lease or lease rental works best for assets with a high monetary value and those with an established second-hand market, such as printing equipment.
A key advantage of this option is that the finance can normally be placed ‘off balance sheet’, thereby keeping other lines of credit open.
Asset Based Business Loan
This form of asset based finance involves loans that are secured upon the fixed assets of your business using various forms of security documentation including chattel mortgages.
If you are a business participating in our vendor finance programme, you should be aware that some types of equipment are best financed with a straightforward business loan. The amount customers can borrow depends on the nature of the equipment. For example, software, cabling and networking systems lend themselves to loan rather than leasing.
Sale and Lease Back/Sale and Lease Purchase Back
We offer a wide range of asset re-finance structures to suit every possible need. The most popular solutions are Sale and Lease Back, and Sale and Lease Purchase Back.
The assets will be acquired from you by the funder at an agreed price for which you will issue an invoice. The invoice will be settled by forwarding cash to you. The assets will then be provided to you for continued use within the business, either by using a finance lease or lease purchase.
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