Asset and Finance Leasing

Cars, Commercial Vehicles, Plant & Machinery

Commercial & Industrial Lending

The Leasing and Asset Finance Broker Industry has expanded over the years with a large number of lending organisations providing a competitive marketplace. The majority of Finance Companies, both very large and small, are highly dependent upon Brokers for their business.

By far the most prevalent side of the Leasing and Assets Finance business is commercial and industrial lending on vehicles and equipment.

Strategic Funding deal with owner managed SMEs whether they are start-up businesses or £100m turnover established companies, we have the desire to help all clients fund their asset finance purchases and a Panel of lenders willing to help.

Hire Purchase

 

Allows you to purchase the asset and repay over an agreed period of time. On completion of the agreement title to the asset passes to you.

  • Own the asset at the end of the period

  • Offset interest charges against P&L Account

  • Flexible repayments – tailored to seasonal cashflow or Balloon payment at the end

  • Writing down allowances & Capital Grants may be claimable

 

Leasing

 

There are two type of Lease; Operating Lease and Finance Lease. You effectively rent the asset for an agreed time and there are then a number of options available to you at the end of the Agreement. This can be a very effective means of borrowing for profitable companies.

  • Monthly leasing means you don’t have to pay a lump sum up front

  • Only pay VAT on the rentals

  • Flexible Repayments – tailored to your seasonal cashflow

 

Contract Hire

 

You will pay to rent the vehicle in monthly instalments for a contract period normally between 24-48 months. Once the contract is up, the vehicle is returned to the leasing provider, leaving them to worry about depreciation values and disposal of the car or van.

Warning – mileage clauses could result in extra charges at the end of the period.

  • Flexible terms tailored to the mileage and period of the contract

  • You can include maintenance costs to give you full peace of mind on the monthly costs

  • Avoid depreciation costs as you don’t own the asset

  • Small initial outlay and fixed monthly costs thereafter

 

Sale & Leaseback

 

A great way to release cash from your existing assets. If you have unencumbered assets you could cover a short-term cash-flow requirement by entering into a finance agreement to sell the asset to the finance company and lease it back.

  • Boost your cashflow very quickly

  • Fixed monthly repayments