Finance Products

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Hire Purchase

Hire Purchase allows you to spread the cost of purchasing an asset over a period of 1-7 years, making fixed payments at regular intervals. You gain full ownership of the asset once the final payment is made, which can help you maintain a healthy cash flow while budgeting effectively. Additionally, you can choose to pay the VAT upfront, defer it, or include it in the finance arrangement.

Finance Lease

With a Finance Lease, you can acquire an asset for a fixed period, typically 1-7 years, by making regular payments. At the end of the lease term, you have the option to either purchase the asset, sell it, or continue leasing it. This option allows you to maintain cash flow with low-rate finance, as well as benefiting from tax-deductible payments.

Operating Lease

An Operating Lease enables you to lease an asset for a predetermined period, typically 1-7 years, without the obligation of ownership at the end. You pay fixed rentals at agreed intervals, often resulting in lower payments compared to Hire Purchase or Finance Lease options. This arrangement allows for structured equipment replacement cycles and tax-deductible payments, contributing to effective budgeting.

Business Loan

A Business Loan provides you with a lump sum of money to finance business needs, with fixed monthly payments over a specified term. These loans can be either secured or unsecured, offering flexibility based on your business's financial situation. They allow you to consolidate debt, invest in growth opportunities, and benefit from tax relief on the interest payments.

Sale & HP Back

Sale & HP Back involves selling an owned asset to a financier and then leasing it back over a period of 1-7 years. This arrangement allows you to access capital tied up in existing assets while still using them for your business operations. It offers the benefit of maintaining cash flow through low-rate finance and retaining the use of essential equipment.


Refinancing allows you to release equity from your existing assets to improve cash flow or fund new investments. By refinancing, you can unlock funds that are tied up in assets, which can then be used for various business purposes. This option provides a quick and straightforward method to raise working capital while maintaining low-rate finance.

VAT Loan

A VAT Loan enables you to spread your VAT bill over a period of 3 months, allowing you to use your capital elsewhere. This repayment plan supports cash flow management by providing an affordable and swift solution to pay HMRC on time. By avoiding the use of other lending facilities, you can maintain financial flexibility and focus on your business operations.

Leasing vs. Upfront Payment: Why Lease?

We care about your business and we're here if you need help finding a solution to match your business needs. Fast access to flexible funding solutions to support cash flow and business growth.