We can arrange finance on all core assets (e.g. cars, equipment etc.) and on new and used assets.

The options available include:

Hire Purchase (HP) – When you want to own the asset outright, this is the most traditional form of asset finance. Interest charges can be based either on a fixed or variable rate. The finance term can be structured to suit individual cash flow requirements and a residual (balloon) payment can be introduced to lower the monthly finance repayment.

Finance Lease – Different from Hire Purchase in that ownership never passes to the named customer/hirer in the finance agreement. The finance company effectively owns the asset, which is then rented to you over a predetermined period of time. At the end of the agreed finance period, you typically have the option to either retain the use of the asset by paying a ‘Secondary Period Rental’, sell the goods to a third party (on behalf of the finance company) or return the asset(s) to the finance company.

Operational Lease – An Operating Lease arrangement allows you to enjoy the usage of a vehicle or piece of equipment without incurring some of the risks of ownership such as depreciation.

Commercial Loans – Commercial loans are available for certain assets considered by many finance institutions to be ‘Non Core Assets’ - e.g computer software, IT cabling, mezzanine floors, building improvements.