• • Finance Leasing

The lender buy the equipment and lease it to your company for a set period of time. Then return the item or continue to use it for a small fee at the end of the agreement.

• • Hire Purchase

The lender purchase the equipment you require on your behalf and allow you to begin using it immediately while paying in monthly instalments.

• • Refinancing

Asset refinancing is a method of raising additional capital from existing assets. Refinancing gives you the best of both worlds: you may keep using the asset while also getting cash infusion into your firm. “Asset finance gives you the power and flexibility to help your company develop a long-term future by putting your money to work for you.” We understand the challenges you’re under because we’ve worked with a variety of industries. We can assist you in the following ways:

• Improve cash flow efficiency
• Take advantage of development prospects
• Reducing residual risk
• Saving financial resources
• Spreading costs
• Avoiding depreciation

Equipment with an easily defined value is called Hard Asset:

• All-terrain vehicle finance
• Agricultural vehicle finance
• Ambulance finance
• Black cab finance
• Brand new car finance
• Bus and coach finance
• Chauffer hire car finance
• Classic car finance
• Farming equipment finance
• HGV and tanker finance
• Horsebox finance
• Light and heavy commercial vehicle finance
• Minicab / private hire vehicle finance
• Motor home finance
• Prestige car finance
• Recovery truck finance
• Sports and performance car finance
• Tractor unit finance
• Trailer finance
• Truck finance
• Used prestige and sports cars up to 20 years old (at the end of the term)
• Van and minibus finance
• Access platforms
• Bulldozers
• Concrete mixers
• Cranes
• Diggers
• Excavators
• Forklifts
• Generators
• JCBs

Equipment with limited resale value is called Soft Asset:

• LED lighting and control systems.
• Commercial kitchen and refrigeration equipment.
• Catering equipment inc. Kitchen, Bakery, Frying Ranges, Ovens, etc.
• Shop fitting with serial number, inc Refrigeration, Freezers, EPOS System.
• Office Equipment & Furniture.
• Audio visual and media equipment.
• IT hardware and software, min 80% Hardware & 20% Software if part of the deal.
• Shop fittings and EPOS equipment.

All above classes subject to identifiable, removable assets with intangible/ unsuitable elements to be limited to maximum 20% of total invoice cost.

• Gym equipment, cardiovascular machines preferred
• Beauty equipment, inc. non-invasive lasers, scanners, sun beds
• Garage & MOT equipment
• Laundry & dry cleaning machines
• Digital printers up to £50k
• Arcade/ Amusement machines, not gambling machines.
• Jiffy truck
• Go Karts, to specific karting businesses, not play centres

Equipment with a NOT an easily defined value is called Border Line Asset:

• Vending machines, must be mission critical, i.e. for vending companies renting out as opposed to a business buying as an add on, e.g. gym.
• Air conditioning units, removable cassettes, not fixed in/ ducted.
• CCTV.
• Scaffolding , only for strong credits.
• Dairy livestock.
• In-cab CCTV & trackers, only for strong credit and large fleets.

Recycling & Renewable

• Chipper machine
• Compactor
• Conveyor
• Crushing and screening
• Lifts, tippers and dumpers
• Magnetic operators
• Pellet machines
• Shredders

Agricultural Finance

• All-terrain vehicles
• Balers
• Firewood machinery
• Forwarders
• Harvesters
• Sawmills
• Skidders
• Tractors

Engineering equipment

• Borers
• CNC machining centres
• Drills
• Extruders
• Generators
• Guillotines
• Lathes
• Mills
• Planers
• Presses
• Sanders
• Saws
• Welding machinery

Printing machinery

• Bindery and collating
• Digital printers
• Folding machines
• Guillotines / cutters
• Mailing / inserting / addressing equipment
• Packaging and converting
• Printing presses

Construction plant

• Access platforms
• Bulldozers
• Concrete mixers
• Cranes
• Diggers
• Excavators
• Generators
• JCBs

Materials handling machinery

• Container handlers
• Forklifts
• Skid-loaders
• Tele-handlers
• Tele-trucks

Why buy technology equipment, vehicles, plant, and machinery outright when they all lose value over time? This is precisely the type of question that this tutorial aims to answer.

– Finance leasing refers to the rental of an item rather than the purchase of one.

Businesses that want to rent, buy, or refinance existing assets should consider leasing.

We can create a solution to your needs that will meet even the most difficult and complex finance requirements with having contact directly with the underwriters.

A finance lease is a contract between a funder and a customer that allows the client to use an asset in exchange for a rental payment over a certain period of time.

In most cases, we calculate rentals over a set period of time. We’ll have recouped the cost of purchasing the asset on your behalf by the end of it.

Despite the fact that you never own the asset, we usually allow you to share in the majority of the sale proceeds at the end of the term. Unless the lease is a lengthy financing lease, you can choose to deduct the rentals from your earnings (subject to HMRC Statement of Practice 3/91), while we keep any capital allowances.

You choose what equipment you want to buy and where you want to buy it, negotiate any discounts and best terms with your vendor. The lender will buy the equipment on your behalf and lease it to your company for a set period of time, allowing you to have the equipment you need without having to take ownership.

Benefits for the business:

• Speed: You can get equipment right away without having to pay a lot of money up front.
• Choice: Manage your financial flow by paying for important equipment over time. Make a decision about whether to return the equipment, extend the lease, or buy it at the end of the term.
• Get the most out of your money: Leasing can be classified as a revenue expense; therefore it may not need to be factored into your capital budget. For additional information, speak with your business advisor or accountant.
• Efficiency in taxation: You may be eligible to reclaim VAT on your rents, and these claims can often be adjusted against profit; please consult your business advisor or accountant for additional information.

– Hire purchase finance is designed to ensure a steady cash flow, rather than making one large capital outlay.

Businesses who want to maximise capital investment while staying on restricted budget use hire purchase finance.

“Our service allows you to lock in the price of an asset and spread the cost over time.”

After you’ve chosen the equipment and supplier, the lender will purchase it on your behalf. You can then use it right away while paying in monthly instalments that are easy to handle. When all funds are collected, ownership of the property is automatically transferred to you.

Hire Purchase allows you to spread the cost of an asset over a longer period of time, eventually granting you ownership at the end of the payback period.

Rather than making a single significant capital payment, hire purchase finance is designed to provide a consistent cash flow.

After all payments have been made, including the option to purchase charge, the business becomes the owner of the equipment with hire purchase finance agreement.

The client is treated as the owner of the equipment for tax purposes from the start of the agreement, allowing them to claim capital allowances. The client will be responsible for the equipment’s upkeep and insurance.

The following are some of the benefits of a hire purchase agreement:

• Improving the company’s balance sheet: Hire purchase finance is for businesses who want to keep the asset/vehicle as an asset at the end of the contract. Assets that are funded in this way can appear as a balance sheet item, allowing you to deduct the value from taxable profits.
• Cash flow: Buying assets outright can put a strain on cash flow, but hire purchase allows you to spread the expense over a specified period based on the asset’s life.
• Ownership of the asset: Once you’ve paid the option fee and/or the balloon payment, the asset/vehicle is yours.
• Reclaimable VAT: Hire purchase agreements assist firms estimate cash flow because they have fixed interest rates and monthly payments. The company can compare the payments to the predicted revenue and profits generated by the asset’s use.
• If the client is a VAT registered business: The total VAT on assets utilised for commercial purposes can be reclaimed.
• Optional balloon payments: At the end of the arrangement, a ‘balloon’ rental can be arranged, allowing for cheaper monthly payments
• Speed: Get access to equipment right away without having to pay a lot of money up front.
• Cost Effective: Hire purchase, based on a discounted cash flow analysis, can be a more cost-effective option to making a full-price purchase with cash.
• Flexibility: Both the deposit quantity and the term length are flexible.
• Convenient: Pay in easy-to-manage instalments over a set length of time.
• Wide Options: A wide choice of equipment is available from garages and home improvement stores, IT equipment, cars, LED lighting, and medical equipment are just a few examples.

Refinancing gives you the best of both worlds: you may keep using the asset while also getting a cash infusion into your firm.

Asset refinancing is a method of raising additional capital from existing assets for a variety of objectives. The assets could be debt-free or subject to an existing finance agreement with Leodis Financial or another finance company, as long as they have enough equity.

We can help a client’s cash flow and stability by releasing capital tied to fixed assets. The funds can be used to reduce existing liabilities or restructure existing agreements to free up equity.

A financing lease or a lease/hire purchase agreement can be used to refinance assets.

• Cost-Effective Benefits You can prolong the funding time, cut payments, and unleash additional cash into the business by consolidating existing asset finance under a single arrangement.
• Confidence in the long term Some types of loans can be repaid on demand. We can provide finance for up to five years on a fixed-term basis, so there will be no unpleasant surprises.
• Choice We’re interested in a wide range of assets, including plant, trucks, cranes, agricultural equipment, and any other asset with a resale value.
• Control Nothing stands in the way of you using the assets, you decide \show the additional cash is utilised to fit your business need

The following are some examples of asset refinancing scenarios:

Buying more equipment: Some businesses may find it difficult to acquire asset finance for new gear, but they may be able to raise capital by refinancing old assets (or by offering them as additional security).

Raising capital: Without the need for outside investment, a company can raise capital for expansion.

Management buy-ins/outs: Refinancing a company’s assets might help you raise funds to buy another company or help you restructure your own.

To reduce existing monthly commitments: To extend the remaining balance of an existing financial agreement over a longer term in order to lower existing monthly commitments (to reduce the monthly payments).

Replenishment of Working Capital: To restructure existing debt.

Asset financing has a number of advantages. With an appealing amount of flexibility, it’s great for maintaining, replacing, or updating depreciating assets. Asset finance provides the following benefits when you need to retain a tight grip on your cash flow and working capital:

• Reduces the risk of ownership On specific items, we can take the risk of how much value remains in the asset at the end of the contract and take responsibility for disposal and management costs.
• Increases the number of credit lines available to you. It can increase the financial value of your company’s assets by supplementing cash and existing bank credit lines, such as overdrafts.
• Release cash Sale and leaseback: sell your existing assets and lease them back, releasing the value contained inside them. You can save money by not using cash reserves, which could be used to fund expansion elsewhere in the company.
• Deliver funds in a timely manner Because of the asset’s security, credit applications can be processed quickly.
• Remove the element of doubt. Fix your rental fees and the interest you’ll have to pay for the life of your contract to plan for the future. Uncertainty and costly shocks are no longer a part of your life.
• Reduce squandered funds The rentals represent the use of an asset for a portion of its usable life – this is a significant value added benefit if you only plan to utilise it for a portion of its life.
• Credit decisions should be made more quickly. We use a normal credit procedure that is based on the assets that are being funded. Our customers find the decision-making process to be quick and easy.

It’s possible that security will be required. There may be a charge for the product.

Your company is expanding. You’ve figured out how to take the next step in realising your goals. It could be a comprehensive reorganisation of your technology infrastructure or the installation of new equipment and gear.

Wouldn’t it be great if you could discover a reliable business partner that knows your sector and can help you get money when you need it?

Our relationship managers are highly experienced and constantly approachable, and they can discuss your requirements.

Capitalising on capital allowances:

Capital allowances allow you to deduct a portion of the cost of certain asset purchases from your taxable income as a firm. Make a claim for a specific expense on:

• Vehicles
• Plant and machinery
• Research and development
• Technology

“More often, the more money you make, the more money you spend, that’s why money doesn’t make you rich, assets make you rich!”

It’s possible that security will be required. There may be a charge for the product.

Unless the lease is a lengthy financing lease, your leasing firm will claim any capital allowances and pass them on to you in the monthly cost. You can claim the rentals as a business expense if you follow the provisions of HMRC Statement of Practice 3/91.

You may be eligible to claim capital allowances based on the cost of an asset if you utilise it under a hire purchase arrangement. Interest and other fees are typically considered a business expense. The amount you can claim will be determined by your unique circumstances.

This material is just intended to serve as a general guide. Always talk to your accountant or tax adviser about the specifics.

Below, you’ll find questions to help you figure out the best decision for you and the business, as well as a list of financing choices. Our financing experts can assist you with difficulties such as:

• Cash flow and working capital
• Tax and VAT treatment
• Tying up capital in fixed assets vs leasing them

Purchasing assets altogether might lock up cash and expose you to the risk of volatile resale values.
Selling your asset to the lenders and leasing it back, allows you to budget more effectively because you’ll have fixed monthly payments and won’t be exposed to volatile residual prices.

Of course, you can always pay in cash.
However, many businesses we deal with believe that conserving working capital, financing an asset over the period of its useful life rather than paying up front, makes more sense.

Purchases made with cash deplete cash resources.
You’re buying an asset that is likely to depreciate over time. You’ll have to keep it in good working order and dispose of it when it’s time to replace it. You can sometimes incorporate maintenance costs in your monthly payments and leave disposal to the lender.

Sale and leaseback: measurable benefits.
It’s difficult to calculate the exact cost of purchasing, financing, maintaining, and selling assets. Our experts, on the other hand, can assist you in determining the genuine figures.

When you choose sale and leaseback you get our support with:

• Relief vehicles during repairs
• Accident management
• Roadside assistance
• Fuel cards for fleets

For your technology assets, our options cover:

• Supply
• Critical hardware
• Fixing, replacing, maintenance and disposal

The key benefits:

• Re-inject vital capital into your business
• Strengthen your balance sheet
• Open up new lines of credit for business growth and expansion
• Additional option to cover all servicing and repairs

When you pick sale and leaseback, you’ll get our help with:

• Rental vehicles while repairs are being completed
• Accident management
• Roadside assistance
• Fleet fuel cards

Our technology asset management services include:

• Supply
• Critical hardware
• repair, replacement, maintenance, and disposal

The main advantages are as follows:

• Strengthen your balance sheet
• Open up additional lines of credit for business growth and expansion
• Additional option to cover all service and repairs

Flexible leasing possibilities Leasing works well, if you only require an asset for a portion of its useful life, such as vehicles or construction equipment.

Leasing is also suitable for items that need to be updated on a regular basis, such as technology assets.

We buy the asset on your behalf and then resell it to you. You pay rent for a set amount of time under our lease. Despite the fact that you will never own the asset, you will have complete access to it. On lease and contract hire rents, you can also claim VAT. For work cars, there are special restrictions that allow you to reclaim 50% of the VAT.

As asset financing experts, we’re dedicated to empowering businesses to find, buy, and manage assets that help them achieve their goals.

We believe in going the additional mile, because we are also business people. So, whatever asset you require or industry you operate in, we’ll do everything we can to provide your company with the resources it requires to flourish.

Our professionals have a thorough awareness of your funding, equipment, and cash flow needs. And, in most industries, first-hand experience in the following sectors:

• Agriculture
• Buses & Coaches
• Cars & Vans
• Commercial transportation
• Green energy
• Plant and Machinery
• Technology
• Manufacturing

Asset financing is appropriate for any business in any industry. Depending on your business demands, you can utilise it for equipment ranging from a few thousand pounds to several million pounds.

• Fund large marketing campaigns
• Refinance existing debts
• Equipment Investment
• Staff Recruitment
• Launch new product lines
• Manage uncertainty
• Increased Cash Flow
• Relocation Costs
• Staff Development
• Website Development

The whole process is simple, quick, easy and painless with the help of Leodis Financial, with extra funding businesses can have that pressure taken off and ease day to day cash flow issues. If you require assistance, we are here to help you.

If your company has the funds, it may be worthwhile to examine this alternative. The asset will be owned outright by your company, and you will be eligible to claim capital allowances. However, spending cash up front may deplete working capital that could be better invested elsewhere.

Loans have their place when acquiring assets but you should consider your overall borrowing requirements. A bank loan is likely to make it hard to raise funds for other things while the loan is outstanding.

Yes. A bank can call in an overdraft at any time, but you’re safe with us because you’re on a fixed-term contract. This cannot be removed throughout the term of the contract, which is a benefit over a bank overdraft.

Yes. We examine your company’s credit history and growth potential to ensure that repayments can be made. Taking possession of the asset is considered a final option. Lombard is a company that specialises in asset financing. If we need to enforce security, we’ve established disposal routes.

Each judgement is unique to the company, although for transactions under £150,000, an initial decision can be made in as little as 24 hours. There’s usually a brief period of time following the original choice to put formalities in place, whether it’s face-to-face, over the phone, or online. Most asset sellers are aware with this procedure and are accustomed to supplying this information.

Although we may ask for a guarantee if your company is borrowing a big amount of the cost and your balance sheet is developing or increasing, we usually take security on the asset in question.

Although we may want a guarantee if your company is borrowing a big percentage of the cost and your balance sheet is developing or increasing, we will primarily take security on the asset in question.

This is a final lump sum payment that usually reflects the asset’s anticipated worth at the end of the agreement. Monthly instalments can be decreased by choosing this option, but you’ll pay more interest overall because the capital total isn’t decreasing at the same rate as it would if repayments were targeted to cover the entire amount.

• We shall firstly examine your eligibility without jeopardizing your credit score.
• A simple application will be completed, to tell us about yourself and your company.
• If you’re approved, you’ll get a free, no-obligation quote.
• We normally deposit the funds into your account the next business day after you agree.

“We aim to have exclusive business financial products that you can’t find anywhere else in the market.”

• Specialists in Asset Finance.
• We have experience of Asset Finance knowledge and can evaluate and finance any asset in any industry.

The experts at Leodis Financial reviews each application submitted to us, based on the amount required and the timeframe specified, we reach out to the lenders with the resources and an interest in the form of financing sought.

• Rates that is unmatched.
• Our competitive rates are among the lowest in the UK.

As soon as we have run required checks and confirmed everything with the lender, we are ready to hand you the money required to fund your next business project.

• There are no setup fees.
• Under no circumstances do we charge an arrangement fee.

Whether you want to move your office to a more lucrative location, hire more staff, invest in equipment or purchase machinery, Leodis Financial offers you a convenient and easy way to acquire financing, the terms we offer are based on your needs.

• Simplicity
• Our application procedure is easy to follow.

We at Leodis Financial simplify the process of acquiring business finance, rather than rely on intricate algorithms done by computers, business financing applications that are submitted with us are always analysed with a human approach.

“Since our aim is to help you grow, every financing option we offer is curate as per your situation.”
– We understand that one size does not fit all.

As a result, we offer needs-specific business loan solutions so that financing helps your business’ growth rather than hamper it.