Discover how asset refinance can provide a quick cash injection for your business needs, allowing you to leverage the value of existing assets and fuel growth opportunities.

When your business requires a cash injection, asset refinance offers a swift solution to unlock the value of assets on your balance sheet and redirect those funds to areas where they're needed most. Whether you need to finance a deposit on new equipment or improve cash flow, asset refinance can provide the necessary flexibility.

Sale and HP Back, a form of asset refinance, is available for most types of equipment, catering to businesses of all sizes, including sole traders. This option involves us purchasing the asset from you and financing it back, with repayments aligned to the income generated by the asset. At the end of the refinance term, you retain ownership of the asset.

Benefits of Asset Refinance:

Efficiency: Asset refinancing offers a straightforward and expedient way to access additional working capital for your business needs. You can continue to utilize the asset as security against the loan.

Extended Term: We can take over existing finance agreements with other providers and extend the term, providing you with fixed charges and predictable repayments throughout the loan's lifetime.

Flexibility: Asset refinance gives you the freedom to inject cash into your business or invest in assets that may not be accessible through traditional Hire Purchase or Leasing agreements.

Expedited Decision-Making: By releasing capital through asset refinance, you can make faster decisions when negotiating business contracts. The released funds can be reinvested in new personnel, assets, or facilities to drive business expansion.

Unlock the potential of your assets and propel your business forward with asset refinance. Contact us today to explore how asset refinance can support your business growth ambitions.

Discover the benefits of Finance Lease, offering businesses the flexibility to use high-spec equipment without the upfront investment, with options to continue usage, sell the asset, or return it at the end of the lease term.

Our Finance Lease arrangements provide businesses with the opportunity to utilize essential equipment without the burdens of ownership. 

Here's how it works:

Equipment Usage: With Finance Lease, you gain access to the equipment you need without the necessity of purchasing it outright. This allows businesses to utilize assets of newer, higher specifications than they could afford to buy.

Flexible Rental Period: You pay rent for the full use of the asset, with the rental period being flexible and customizable to your business needs and cash flow requirements. During this period, you cover the full cost of the asset, including interest, through monthly instalments.

End-of-Lease Options: At the end of the primary lease term, you have several options:

Continue Usage: Enter a secondary rental period to continue using the asset.

Sell the Asset: Sell the asset and retain a portion of the income from the sale.

Return the Asset: Return the asset to us, providing flexibility in your equipment arrangements.

Benefits of Finance Lease:

Low Initial Outlay: Enjoy quick access to essential assets without the need for a significant upfront investment. The cost of the asset is spread out through manageable monthly instalments.

Flexibility: Customize rental payments and lease periods to align with your business's cash flow and operational requirements.

Cash Back: If you choose to sell the asset at the end of the lease, you can receive most of the income from the sale.

Tax Advantages: VAT is payable on the rentals (for VAT registered businesses), not the purchase price, offering potential tax benefits that can be offset against taxable profit.

Discover the advantages of Operating Lease, offering businesses quick access to essential assets with reduced upfront investment, flexibility in asset management, and options to rent, purchase, or return the asset at the end of the term.

Keep your business options open with Operating Lease, a flexible solution that provides full access to essential assets without the burden of ownership. 

Here's how it works:

Asset Rental: Operating Lease allows you to rent the asset from us for the duration you need it, similar to a Finance Lease. However, the key distinction lies in the lease term, which covers only part of the asset's useful life.

Reduced Rental Costs: With an Operating Lease, you benefit from reduced rental costs since the payments are based on the difference between the asset's original purchase price and its residual value at the end of the agreement.

Full Asset Use: Enjoy full use of the asset for as long as you require it, without the responsibility of disposing of it or recovering its residual value.

Benefits of Operating Lease:

Low Initial Outlay: Gain quick access to essential assets without the need for a substantial upfront investment, enabling efficient resource allocation within your business.

Freedom: Enjoy the full benefits of asset utilization without the obligation to purchase it outright, providing flexibility in managing your business's equipment needs.

Flexibility: At the end of the lease term, you have the option to re-rent, purchase, or return the asset, allowing you to adapt your equipment strategy based on evolving business requirements.

Cost Savings: Benefit from reduced rental costs, as the payments are calculated based on a percentage of the asset's original capital cost, offering cost-effective asset utilization.

VAT Reclamation: Reclaim VAT on rentals, providing additional cost-saving benefits for your business.

Explore the financial flexibility offered by Operating Lease and unlock the potential to optimize your business's asset management strategy. Contact us today to learn more about how Operating Lease can support your business objectives and streamline operations.