This is perfect for businesses of all sizes regardless of industry looking to acquire commercial finance for new equipment without the burden of a large payment from their much sought after cash flow. We can arrange an incredibly simple finance arrangement for you to effortlessly spread the cost of your much needed equipment and help you keep the cash in the business. Asset finance payments can deducted from your annual profit before you are taxed enabling you to obtain your new equipment via the most tax efficient method.
A lot of businesses require some form of finance and/or loans to pay VAT bills, Tax bills or any HMRC demands. We offer Finance for VAT, finance for Tax, and finance for HMRC debt.
Designed for businesses that invoice their customers and receive payment on terms, Money Sphere can help you with your 30, 60 or even 90 day payment terms with your customers. We can arrange to have your invoices paid immediately and the payments are then simply collected by us over the agreed term.
Cash-flow financing is often used by companies seeking to fund their operations, or acquire another company or other major purchases. Money Sphere have a select panel of lenders for this very product. Companies are essentially borrowing from cash flows they expect to receive in the future by giving another company the rights to an agreed portion of their receivables. This allows companies to obtain financing today, rather than at some point in the future.
what are the different types of finance?
some simple definitions
Understanding the different types of commercial finance and leasing is vital to making the best decision for your business.
spread it over time
A finance lease allows a business to gain the benefits of their new equipment and spread the cost over and agreed period. At the end of the finance lease title can be transferred to the customer based on the pre-agreed ownership title fee.
better for large investments
A hire purchase agreement will be centred around a deposit being taken at the beginning. This is very popular with larger investments such as industrial machinery, Biomass boilers, Plant machinery etc.
sales & lease back
used to release cash flow
A Sale & Lease back is often used to release cash flow back into the business. It allows businesses to sell their assets to finance companies to which they then rent them back over an agreed term.
leasing assets for a set period of time
An Operating lease is used when the funder provides the asset over an agreed period of time and will base the lease on the residual value left in the equipment at the end of the lease. At the end of the Operating lease, the asset will be returned to the finance company in order to recover this value, the finance company will either re-hire or sell it on.
WHAT WE LEASE IN TO bUSINESSES
kitchen and catering
CCTV & Security
Reprographics and print
see our success stories
Wood Recycling Machine
The supplier got one of their biggest sales of the year. The end user got the most cost efficient way of obtaining a state of the art piece of equipment, and the customer was able to offset the monthly cost against the anticipated profit levels.
Project Value – £435,000
Large Office Refurbishment
The customer was able to go ahead with their
eagerly anticipated office refurbishment. Each supplier was very pleased that they were able to go ahead with the work they had done a lot of work on quoting.
Project Value – £280,000
Telecoms Equipment Finance
The customer was able to start on their project with no delays. Also, the customers rentals are offset against annual profits reducing their annual tax bill.
Funding provided: £45,000
looking for COMMERCIAL finance & funding?
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