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Asset Finance

Its main aim is to provide flexibility of funding using credit or leasing facilities to
purchase assets for your business, such as machinery or equipment needed
to run or grow the business. It is, in the main, more competitive than bank funding.
It is financed from working revenue and has affordable, regular payments
which ease cash flow. Fixed rates are available and there are possible
tax advantages.

This can be a bewildering area of finance with various commercial mortgage and
property investment schemes. There are probably as many different schemes as
there are business scenarios. An independent financial broker such as
Commercial Expert Ltd will have access to competitive rates and a
range of lenders and finance sources – prime lenders (high street names) and subprime
lenders. This broad access allows us to answer enquiries from self-employed,
sole traders, partnerships, those with adverse credit and other non-status situations.

Asset finance can be plant – machinery and tools, vehicles – cars to combines,
equipment – computers to construction. The general criteria is that the asset is
to be identifiable, durable and moveable.

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Complete our quick online enquiry form and one of our
specialists will contact you to discuss your specific options.

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Case Study

Buy To Let – North Yorkshire

The situation: This client has a very large portfolio, had reached maximum lending levels with most lenders and his credit score was very low due to financial exposure.

The solution: With this in mind we opted for a more commercial style BTL loan – This opens up the market significantly and allows us to use lenders that don’t credit score, and aren’t afraid of exposure. The case was placed with a small lender and the client still achieved a good rate and a 75% LTV.