Asset Finance & Leasing

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There are numerous schemes and products available to either upgrade your plant & equipment or raise finance, which include:

Hire Purchase – financial product familiar to most and can be used for virtually anything from plant, equipment and computer equipment to such as aircraft and boats.

Re-Financing – you may have purchased items from past profits leaving the business short of cash flow. If you have suitable unencumbered assets these can be re-financed to inject funds into the business. This could be combined with factoring and traditional bank borrowing to fund expansion.

Leasing & Contract Hire – similar to hire purchase except the assets do not appear in your balance sheet. There is usually the option at the end of the contract to buy (sometimes at a nominal figure, depending on the asset). In your books the payments are treated as overheads and can be charged against profits.

Sale & Leaseback – a way to raise funds against the value of assets you already own.  You sell them to a leasing company and then lease them back. At the end of the terms of the lease ownership of the equipment or property is transferred (or reverts) to you. Clearly this is an excellent way of freeing up the value of assets to pump cash into your business and reduce the strain purchasing might place on capital.