Our advice is Relationship Driven, Non-Transactional and delivered with integrity.

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.

Express Enquiry

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

Asset Finance (Renewables) – Kent

Solar Power funding requirement £35k

The situation

We were approached by an energy firm who had issued a quotation to a Hotel to install Solar Panels on their large roof. The hotel was aware of the cost saving benefit and ability to reduce it electricity bill, coupled with the fact that it would advantage UK Government’s Feed-in Tariffs scheme (FITs), which could mean that they get money from their energy supplier. The main issue was that the business could not afford to pay for the solar panels as a lump sum.

The solution

We conducted a Ltd company search on the owner of the hotel, ensured that all data was accurate and correct and provided the quotation and relevant company data to a specialist lender. Indicative Terms were issued within 72 hours of enquiry for a 100% funding proposal. The payments were 100% tax deductible and were over a flexible term of 36,48 or 60 months, giving the client enough scope to decide which best fit their cash-flow.