We can tailor a finance package to meet your needs and we can even help you source your dream vehicle. Do contact us. We’re always happy to chat about individual requirements.
Even though we’re at the cutting edge of today’s market, we still take a traditional approach to lending. So rather than just allowing credit scores to make a decision, we work together with you and our funders to reach an outcome that works for everyone. It’s all about creating mutually satisfying experiences and good working relationships. It’s what we’ve built our business on.
PERSONAL CONTRACT PURCHASE
PCP, or a Personal Contract Purchase, is fast becoming one of the most popular ways of financing the new car of your choice, simply due to its flexibility. You choose the car, the deposit, how long you want the contract to run for and the mileage you intend to do and in return you get fixed cost motoring for the term of the contract. At the end of the contract you have a choice to either buy the car outright for an agreed lump sum (the GFV or final balloon payment), or hand the vehicle back to the lender and walk away with absolutely no further obligation.
LEASE PURCHASE
The customer will normally benefit from a slightly lower finance rate with a Lease Purchase product as there is no guarantee offered at the end of the agreement, the deferred capital lump sum amount at the end of the agreement is known as the Residual Value (RV), and this has to be paid by the customer for outright ownership. Deposits for Lease Purchase are flexible and are normally a minimum of 10% and a maximum of 50% of the total vehicle price, repayment periods are taken over 3 or 4 years typically.
HIRE PURCHASE
Hire Purchase, also known as HP, is perhaps the best known way of financing a new vehicle. It is basically a secured loan, meaning that the car finance company lends the money to pay for your new car, but retains a right to the vehicle. The way hire purchase works is that you make a regular monthly payment over an agreed term – usually between 12 and 60 months – after which you have full ownership of the vehicle from a legal standpoint. The secured loan aspect of hire purchase is that, should payments not be made on the car loan, the finance company has the right to take the car back.
We have the Finance Solution for you, call us on 01622 209 875
WHAT WE FINANCE
CAR FINANCE |
With a huge range of lenders available to us we can find the right solution, be it a private use vehicle purchase or a fleet of new company cars, we will find the best option for you
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COMMERCIAL VEHICLES |
Whether you are a private individual or a business customer we believe in making life simple. We offer a comprehensive range of highly competitive products that have been designed to meet your precise financing needs.
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SPECIALIST VEHICLE FINANCE |
If you are looking for a specialist vehicle then finance can often be difficult to find. Luckily we are exceptionally placed to assist, with our specific experience we can find the right lending solution for you.
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RENEWABLE ENERGY |
If you are considering solar panels or wind turbines to assist with your energy production and save (or also earn) you money then we are able to finance these
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COMMERCIAL MORTGAGES AND LOANS, BRIDGING AND DEVELOPMENT FINANCE |
Whether you want to own the premises you operate from, or are a commercial landlord looking to increase your portfolio, we can arrange a Commercial Mortgage to suit your needs.
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INVOICE FACTORING |
If your business has to wait for payment from your clients we can help with finance which provides an advance of up to 95% of your invoice values. With a huge range of finance options available we will find the right solution for you.
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