Our Products

A list and explanation of the products and services we offer.

Commercial Mortgages

Invoice Finance

Hire Purchase

Finance Lease

Operating Lease

Re-Finance

Business Loans

Input Finance

Wind Turbine / Renewables O&M Loan

A commercial mortgage is a loan secured against the property being purchased. This could be for business premises, a development project or to purchase land. There are flexible options on how much you can borrow and over how long.

Invoice Finance provides early access to the funds owed to you in unpaid invoices. Whilst you’re waiting for invoices to be paid by your customers, the funder can advance up to 90% of the invoice cash value to you, typically within 24 hours with some funders.

Please refer to our Invoice Finance page for further details on how this works.

Hire Purchase lets you pay for an asset over an agreed period of time. It’s flexible, with a range of options for deposit amount, repayment amount and frequency. As all terms are agreed upfront, Hire Purchase also gives protection against any increase in interest rates.

Benefits:

Simple budgeting with fixed interest and repayments
Interest element of payments can be registered as a business expense
Cost of the equipment can be tax allowable through Annual Investment Allowances or Writing Down Allowances

A Finance Lease gives access to the latest equipment for periodic payments that can be offset against taxable profits. The initial cost is also low, because all payments are spread across the whole repayment period and VAT is collected with each rental amount.

Benefits:

Low initial cost with all payments (including VAT) repaid across the contract period
Tax efficient because asset repayments count as a business expense
Allows for accurate budgeting

An Operating Lease is a smart way to access and operate the latest equipment with minimal risk. At the end of the contract the equipment is returned to the funder. If all return conditions are met, there’s nothing more to pay.

Benefits:

Low total cost and low initial cost, with all payments (including VAT) repaid across the contract period
Tax efficient as asset repayments count as a business expense
Allows for accurate budgeting
Maintenance and other costs can be included in the repayment plan

Re-financing allows you to use the value in assets you already own, in order to release funds.

Benefits:

Can be used to fund projects that fall outside of typical asset finance; borrowing money to carry out building work, buy land, or something else
Simple and works like hire purchase agreement but security but with taken against the assets you re-finance
Even if there is outstanding finance on the equipment you are re-financing, this can be cleared by the funder and is deducted from the value they place on the equipment.

Please call us if you'd like more information on this product.

As the loan is unsecured you will only need to provide proof of expenditure, making the application process simple. The loan amount will be paid directly to you to allow you to pay your supplier(s).

Benefits:

Loans can be used to fund projects and other assets that fall outside of typical asset finance categories
Flexible long-term payment plans (up to 7 years)
Cost-effective loan options

If your agricultural business needs to borrow at least £10,000 for the purchase of inputs such as fertiliser, this can be borrowed over 12 months.

If you have a wind turbine or other renewables with a significant upcoming operation and maintenance cost, you can borrow between £25,001 and £50,000 over 5 years to support this activity.