Comprehensive finance options across multiple sectors with over 40 years of industry experience
We provide tailored finance solutions across a wide range of industries and sectors.
All types of agricultural machinery and farm equipment. Including livestock, buildings, milking parlours, land purchases and more.
Tractors, trenchers, mowers, aerators, sprayers, spreaders, utility vehicles and golf buggies.
Transport, haulage, plant & machinery, manufacturing & construction assets.
New & used cars, 4x4s, vans, pick-ups, light commercial, buses/coaches and heavy goods vehicles.
Wind turbines, solar panels & biomass systems for sustainable energy solutions.
Four flexible funding options tailored to suit your business requirements
Hire Purchase provides the benefits of ownership without incurring the full capital outlay at the outset. Payments are agreed in advance and are fixed for the life of the agreement.
Title passes at the end of agreement term when the payments are complete and the Option to Purchase is exercised. However, because the intention to purchase exists from the outset, capital tax allowances and other available relief can be claimed from the point the equipment is brought into use.
Alternatively, if the Hirer (Lessee) wished to continue using the goods after the Primary Period, the Lease would extend and Secondary Period Rentals of £100+VAT would be collected each year the goods were retained.
A Finance Lease is divided into Primary and Secondary periods. At the end of the agreed Primary period the Hirer (Lessee) can sell the goods on behalf of the Lessor and retain 98-100% of the sale value. The agreement would then be closed once evidence of the sale has been provided.
For Hirers who want use of an asset without the risks or rewards of ownership. There would be a built in Residual Value by the Lessor reducing the finance payments to the Hirer.
The period of hire and rentals are fixed in advance and the equipment would return to the Lessor at the end of the agreement.
To enable the hirer to budget with total accuracy, maintenance and servicing costs can also be built into the agreement.
Unsecured Loan Agreements are available for established farming clients.
For assets/purchases which fall outside of a standard Hire Purchase agreement. Example projects include:
• Buildings
• Land Purchases
• Renewables
• Milking Parlours
• Slurry Pits
• Dairy & Beef Cattle
• Overseas Purchases
• Inputs
• Older Equipment
• & More
(please call to discuss your project)
