Operating Lease

Reduce asset risk and boost cash flow

This option is well worth considering for specialised and higher value assets. We own the asset and take the risk of it losing value. Meanwhile, you get to use it for as long as you wish.

Operating lease benefits
Fixed costs - for a set sum you can use the asset immediately
Cash flow boost - we fix a residual value that lowers your payments
Flexible repayments - rentals can be tailored to match your seasonal cash flow
Fixed or variable interest options - you decide which suits you best
Off-balance sheet - check with your auditor about this business advantage
Tax efficiencies - VAT is reclaimable on the rentals, while payments can normally be offset against taxable profit (special rules apply to cars)
We build in a residual value that reduces your monthly payments. This type of commercial leasing instantly aids your cash flow and makes 'off-balance sheet' funding possible. In effect, you can match your fixed rentals to your income - particularly helpful for seasonal businesses.

Sale & Leaseback

Reduce asset risk and boost cash flow

This option is well worth considering for specialised and higher value assets. We own the asset and take the risk of it losing value. Meanwhile, you get to use it for as long as you wish.

Operating lease benefits
Fixed costs - for a set sum you can use the asset immediately
Cash flow boost - we fix a residual value that lowers your payments
Flexible repayments - rentals can be tailored to match your seasonal cash flow
Fixed or variable interest options - you decide which suits you best
Off-balance sheet - check with your auditor about this business advantage
Tax efficiencies - VAT is reclaimable on the rentals, while payments can normally be offset against taxable profit (special rules apply to cars)
We build in a residual value that reduces your monthly payments. This type of commercial leasing instantly aids your cash flow and makes 'off-balance sheet' funding possible. In effect, you can match your fixed rentals to your income - particularly helpful for seasonal businesses.

Finance Lease

The benefits of ownership - without the downsides
The benefits of ownership with spread fixed rentals and disposal taken care of.

Finance lease benefits
Low up-front costs - for just a small outlay, you can use the assets immediately
Flexible repayment structure - rental payments can be tailored to match your cash flow
Fixed or variable interest options - you decide which suits you best
Tax advantages - VAT is payable on the rentals, not the purchase price, while payments can normally be offset against taxable profit (special rules apply to cars)
Monthly payments can be matched to your cash flow. At the end of this commercial leasing agreement, the relevant assets are sold and you receive the major share of the proceeds. As the asset owner, we claim the available writing-down allowances and reflect this in your monthly payments.