Telephone: 0203 0111 323
Asset finance from Rathstones Financial

Competitive asset finance for your business

Finance can be provided to fund the acquisition of a wide range of assets for your business. Why tie up vital cash flow at a time when banks are reluctant to lend? With asset finance, you spread the cost of the equipment over the course of its economic life.

Finance lease

A finance lease is a lease that is primarily a method of raising finance to pay for assets. Key benefits include:

  • Low up-front costs – for just a small outlay, you can use the assets immediately
  • Fixed payments for the whole agreement 100% tax deductible
  • Flexible repayment structure – rental payments can be tailored to match your cash flow
  • Fixed or variable interest options – you decide which suits you best
  • Tax advantages – VAT is payable on the rentals, not the purchase price, while payments can normally be offset against taxable profit (special rules apply to cars)

Contract hire

An excellent way to fund your vehicles. Key benefits include:

  • Fixed monthly costs. Reduced risk – assets lose value from day one
  • At the end of the contract you return the asset to the finance company which assumes any risks associated with the residual value of the assets
  • Free up capital – you are not investing cash in a rapidly depreciating asset
  • Reclaim your VAT
  • Off balance sheet funding – for example, vehicle leases do not have to be shown on a balance sheet, which will improve a company's liquidity ratio, gearing and return on assets
  • Maintenance – when leasing vehicles you can include the maintenance costs

Hire purchase

An efficient way to buy assets. At the end of the agreement you will own the asset outright. Key benefits include:

  • Fixed monthly costs – this enables you to budget
  • Ownership – at the end of the agreement you own the asset
  • Free up capital – you are not investing cash in a rapidly depreciating asset
  • Reclaim your VAT
  • Tax advantages – normally you can claim writing-down allowances and perhaps capital grants, while repayment interest may be offset against profits and VAT is usually reclaimable (rules apply to cars)

Sale and leaseback

We can buy your existing assets, depending on book value and asset type, and lease them back so that you can continue to use them in your business. Key benefits include:

  • Free up capital – release cash into your business
  • Budgeting – fixed monthly payments ensure you can budget
  • Finance new assets – at the end of the term you can simply refinance the acquisition of new assets.

At Rathstones we can arrange finance for any size of UK-based business. We are independent and work with a large panel of funders, enabling us to source competitive funding for your business. We provide a first class service, fast turnarounds and competitive rates.

Whether you need help to support your daily working capital and cashflow requirements, or need extra funding for assets or acquisitions, our flexible funding solutions can be tailored to suit your needs. Our consultative approach is the key to our high acceptance rate with our panel of funders.

To discuss your funding requirements call us on 0203 0111 323.

Rathstones provides competitive finance for UK businesses - call 0203 0111 323

Rathstones Financial Limited
92 Park Street
GU15 3NY