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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.

Asset finance

Finance leasing

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.

Hire Purchase

hire purchase

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.

R&D Tax Credits

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.

Privacy Policy Commercial Finance Operating Lease

operating lease

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.



Healthcare equipment

Manufacturing Machinery

Recycling equipment

Renewable Energy



mobile buildings

Office refurbs

kitchen and catering

CCTV & Security

fitness equipment

Air con

digital signage

Reprographics and print

Entry systems

industrial racking

AV Equipment

case studies

see our success stories

money sphere

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

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

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

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