Hire Purchase
Cars, commercial vehicles, plant and equipment
Lighten the financial burden of capital investment by spreading the cost over a fixed period.

Benefits:
- You still retain ownership
- VAT on the cost of the asset can normally be reclaimed
- You can claim writing down allowances
- The interest element can normally be offset against taxable profit
- Fixed or variable interest rates - you choose
- The asset appears on your balance sheet



Leasing
Cars, commercial vehicles, plant and equipment
A flexible method of funding a wide range of assets, giving you all the benefits of use without ownership.

Benefits:
- When the asset is sold you normally receive the majority share
- Fixed rentals so you can budget easily
- Rentals can normally be offset against taxable profit
- VAT is paid on the rentals not the purchase price



Sale and Lease Back
Cars, commercial vehicles, plant and equipment
A short to medium term facility that releases money tied up in assets you already own.

Benefits:
- Useful facility for raising funds for MBO / MBI
- Money can be used for expansion projects
- Raise money for capital expenditure that is not suitable for Hire Purchase or Leasing



Operating Lease
Cars, commercial vehicles, plant and equipment
Alternative method of funding, giving you use without the risks associated with ownership and subsequent disposal.

Benefits:
- 'Off balance sheet' facility
- Residual value reflected in monthly rental
- Normally 100% tax relief on rentals
- Fixed rentals allow for easy budgeting
- No disposal worries



Contract Hire
Cars and light commercials
As Operating Lease but with the added advantage of a full repair and maintenance package.



Commercial Vehicle Road Tax Finance
We have a number of schemes to fund the owner operator to the larger fleet. By spreading the cost over 6 to 10 months, it provides a cashflow benefit that can be cheaper than taxing twice a year.



Income Tax and Corporation Tax Finance
Taxes can be a major drain on resources. To solve this problem we can offer a loan facility spread over 3 to 9 months to suit your cashflow.



VAT Finance
This loan facility allows you to fund your VAT burden over 3 months. Payments can be made weekly or monthly depending on your individual circumstances.



Factoring and Invoice Discounting
Sales ledger
Cashflow is the lifeblood of your business. Money tied up in debtors can be released to assist the development of your business.

Benefits:
- Up to 80% of your book debts can be released immediately
- Credit control can be included
- Credit insurance is an option
- Facility suitable for all types of companies that sell on normal credit terms even if you only have one debtor
- Useful for MBO / MBI to raise capital
- There is no upper limit. As your sales grow, so does the facility



Commercial Mortgages
Commercial property
Whether you are looking to purchase the property you are in or you buy a new property, we can find the right facility for you.

Bridging finance is available and re-finance if you are looking to expand your business.