Specialist

Asset Financing

For buying and refinancing business equipment

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Asset Financing

Clifton private finance

We specialise in sourcing asset finance for business purposes in the UK

We provide high quality asset finance solutions for UK and international clients.
  • Finance from £25,000
  • Repayment periods geared to economic life of asset
  • Finance available on new, used and auction bought items
  • No asset age limit
  • Great way to fund large machine or asset purchases
  • Refinance existing assets to free up your company's liquid capital
  • Cashflow matched repayments
  • Finance for general assets; Agricultural & Grounds equipment; Hospitality & Leisure equipment; office equipment and furniture; Logistics & haulage; Technology & security equipment; Plant machinery; Gym & fitness equipment
  • Government backed CBILS facilities available
Through our market knowledge we can deliver enhanced, bespoke or exclusive terms.  
Call us on 0203 900 4322 to discuss your requirements.
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Contact Us

Asset Financing Service

If you are looking to purchase new equipment or machinery paying up front in cash may not be an option your cash flow situation can afford. Alternatively you may already own business assets which can be used to release cash to improve working capital. 

Asset financing can provide a solution 

Equipment leasing:

Purchasing new equipment using Company cash can put a huge strain on cash flow. Leasing is effectively a rental agreement where a lessee can use and operate equipment or machinery under a lease agreement from the owner (lessor) in return for regular payments. Depending on the type of lease agreement at the end of the term, the lessee can continue making payments to carry on using the equipment, get an equipment upgrade to benefit from improved technologies or return the equipment back to the owner (lessor).

There are 2 types of equipment lease:

  • Operating leases -  Usually taken our for a short or medium term period. Allows the use of an asset but does not convey ownership rights and as such the lessor is not responsible for maintainance. The asset will also not appear on the lessee balance sheet where rental payments can be offset against profits.
  • Finance leases - Often referred to a "Capital Leases" where the lease is taken out typically for the lifetime of the asset by the lessee. The lessee will make rental repayments over the rental period equivalent to the asset value plus interest. At the end of the term the lessee can continue using the asset usually for a lower rental repayment, sell the asset and get a percentage of the sales proceeds, return the asset to the owner. With a finance lease VAT can be spread over the repayment term.

Hire Purchase:

With hire purchase you can spread the cost of the asset you are buying over time. You own the asset at the term end and you are responsible for maintenance and insurance. Typically a hire purchase agreement will require an initial down payment followed by a set number of repayments of capital plus interest over a fixed term. Typically the type of assets purchased under a hire purchase agreement include business vehicles such as vans and lorries.

Asset Refinancing

If your business own assets, then it may be possible to unlock value to release cash. Typically there are two ways to raise finance in this way. One way is to use the asset as a security for a loan. The second way often referred to as asset based lending is where you can sell an asset to a specialist lender for an agreed amount. Your business can then lease the asset back from the lender based on an agreed capital plus interest repayment schedule.

Pros & Cons of Asset Financing

Pros:

  • Great way of reducing upfront cost of purchasing high ticket value items
  • With fixed repayments you can budget effectively
  • With this type of finance the asset you are buying acts as the security
  • Maintenance and insurance costs are normally covered by the provider 
  • Can be more cost effective than bank loans or an overdraft facility

Cons:

  • As with most debt there are implications if you dont make repayments on time. The asset could be reclaimed which could have a serious impact on your business.
  • Certain types of damage to the asset may not be covered by insurance and will need to be covered by you (your business).

Call us today to discuss your requirements on 0203 900 4322
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If you have any questions about our services or want to start making things happen please contact us