Development and Refurbishment – 90% Loan to all Costs available – Terms available for Professional Developers & First-time Builders
Commercial Mortgages – Up to 82% LTV (100% in specific cases) Rates starting at 1.90% + BR Terms up to 30 years with Interest Only Options
Bridging and Short-term Finance – Short-term from 0.42% pcm (min 24 months) – Bridging Rates available from 0.43% pcm – Available for Auction Purchases

Asset Finance

Most businesses need some form of equipment to carry out their day to day activities, whether that is Vehicles, Computers and other IT equipment, Plant, Machinery or many other item types.

Finance packages are available to not only to purchase assets but also to raise capital against assets you already own, thereby releasing cashflow into your business. The funder essentially buys the asset from you for cash then sells it back to you under a finance agreement, so you continue to have use of it in your business.

The sheer range of options and finance packages available can be bewildering, we have provided a brief outline of some of the finance types below but the best option is always to speak to an experienced specialist in this type of funding.

100% of the purchase price of an asset is available in many instances.

Hire Purchase

This allows you to spread the cost of the asset, and also become the owner of that asset at the end of the repayment term.

Repayment plans can tailored to suit your budget, and if you have any seasonality in your business this can be built into the repayment structure.

Leasing is essentially a contract between a funder and a customer that gives the customer the use of the asset in return for a rental payment over an agreed time period.

Leasing

This provides you with the equipment you need, but without the responsibility of ownership. Once the lease period ends you can either return the asset or take out a secondary rental agreement to keep it in your premises.

One of the principle benefits of leasing is that a repayment schedule can be tailored which matches the income generated from the equipment itself, so pressure on cash flow can be alleviated if not avoided altogether.

To find out how we can help please click here

Alternatively you can speak directly to our Asset Finance specialist Tim Stringfellow on 07599 712474

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