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Products & Services

Hire Purchase

A simple, straightforward finance deal. The customer owns the asset once all of the payments have been made.

Lease Purchase

Typically for vehicle finance – A hire purchase deal incorporating a balloon payment at the end. The customers owns the vehicle once the balloon payment has been made.

Personal Contract Purchase (PCP)

Vehicle finance only. A hire purchase deal incorporating a guaranteed balloon payment at the end, which is mileage restricted. The customer owns the vehicle once the balloon payment has been made but other options are available.

Finance Lease

A simple way of financing assets. VAT is paid on the payments instead of a lump sum in advance. There is good value at the end of the agreement and a number of options are available.

Operating Lease

Typically for commercial vehicles over 3.5t. A fixed monthly cost, dependent on mileage. The customer returns the vehicle at the end of the agreement.

Contract Hire

Typically for cars and commercial vehicles under 3.5t. A fixed monthly cost dependent on mileage. The customer returns the vehicle at the end of the agreement.

Business Loans

An unsecured business loan available for any purpose.

Sale and HP Back/Sale and Lease Back (Refinance)

A hire purchase facility to raise capital for a business. The loan is secured against assets that are
already owned by the company.

Commercial Mortgages

A secured loan to purchase commercial property.

Cashflow Finance

Invoice discounting or factoring to assist with cashflow.

Banking Introductions

Where a customer is interested in considering options to change bank.