NEW START COMPANY FINANCE If you look right to us, we’ll get the backing you need even when your only figures, are projected ones. Traditional lenders won’t look at start-ups unless someone’s house is on the line. And in the absence of the company owners offering their personal equity, many turn to VCs, who want equity in the company and lots of it. In contrast, we work with new companies to enable lenders to see the inherent value in the business. If your business has a good case, we can secure the funds to help get it underway. Much depends upon the track record of the leaders and owners, as … on the edge of your seat? Read more!
VEHICLE FINANCE For a single vehicle or a fleet, new or used. As well as providing finance, our knowledge of the car and commercial vehicle dealership networks is such that we can often find the vehicles you need, at the very best prices, from a fleet of vans to a single classic car. Manufacturer’s new vehicle deals often look great – until you look under the bonnet. Large cash discounts top the list of benefits you can miss out on. But what about that nearlynew models which are cheaper still? Or the one year old ones which are half the list price? Whilst most of the vehicle finance we arrange … on the edge of your seat? Read more!
SALE AND LEASEBACK Available for property (of course) and cars and also for office furniture and manufacturing equipment. Manufacturing equipment, in many sectors, depreciates comparatively slowly and often has a minimum value which can remain the same for years. We know this and make sure our lenders do, too. We have printing clients who have sold their old presses to business in India, catering equipment makers who have sold their old panel bending machines to businesses in Italy and even China, and ceramics manufacturers who have sold their old kilns to a local startup. These are great assets which lenders will buy and lease back to you at sensible prices, … on the edge of your seat? Read more!
OFFICE EQUIPMENT AND TECHNOLOGY FINANCE From desks to datacenter systems. As with hardware and software, more enlightened lenders can see that traditional distinctions between assets such as furniture and photocopiers on the one hand, and carpets and CAT 6 cables on the other, have long since passed their sellby date. We work with you to demonstrate the difference that what you need, will make to your business. If your businesses looks OK – and the equipment you need will make it look even better – we can get the funds you need, quickly and at competitive rates. For further information, please speak to any member of the team on 01452 … on the edge of your seat? Read more!
INVOICE FINANCE …a longer-term solution to those late payers. Also known as factoring or invoice discounting, invoice finance releases the money you are owed, immediately. Most obviously valuable in sectors rife with late payers, invoice finance has also proved to be a saviour in many other circumstances, from start ups with lots of new, relatively unknown customers to well-established businesses whose customer base naturally includes a significant proportion with low credit ratings. Invoice finance involves an on-going service which we manage for you, making sure your finance is competitive and your customers are treated fairly and respectfully. For further information, please speak to any member of the team on 01452 … on the edge of your seat? Read more!
WORKING CAPITAL LOANS Especially valuable to companies coping with late payers and lots of new business. A classic example of finance which is rarely available to those who need it most. We have lenders who recognise decent businesses and business – men and women – when they see one and who will make the money available. It does tend to be a very personal thing: track record across previous ventures, present and past relationships with suppliers, the strength of your business plan, are all relevant. But if you are a good bet, we know we can secure what you need, on the terms you need. For further information, please speak … on the edge of your seat? Read more!
SOFTWARE ONLY FINANCE A huge cost for many companies, against which few will lend. We know who will – at sensible rates. Why do most lenders accept hardware as collateral but not software, despite the fact that many companies – especially in design and financial services – spend much more on the latter? Their answer, that it is practical to secure loans against physical objects, but not intellectual property, appears to makes a lot of sense. But the shelf life of most hardware and its relative cost has eroded that logic almost out of existence. More enlightened lenders know this. Working with you, we show these lenders the difference the … on the edge of your seat? Read more!
CORPORATION TAX FINANCE Spread your tax bill over the year, without affecting your bank line. For many SMEs, corporation tax is a bit like your mother-in-law’s birthday: you know exactly when it’s coming, but you keep putting off doing anything about it. And because cash flow patterns rarely coincide with when the tax has to be paid, it can be a real drag on your business, even during highly profitable times. More positively, because your tax bill will be based upon profitability, securing finance at competitive rates to spread payments over a year, tends to be straightforward. Funds can be in your account in as little as a week. Corporation … on the edge of your seat? Read more!