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Asset Finance Provider
What is Asset Finance?
Asset finance refers to the financing of investments in mission-critical assets and infrastructure. We can assist you in obtaining the equipment, cars, vans, machinery & technology you require for your business as one of the foremost asset finance providers.
Our asset finance solutions are designed to assist businesses in making a long-term investment in growth by spreading the asset's cost across its useful life.
Get quicker access to the tools you'll need to get your business off the ground. Our Asset Finance options distribute the cost of equipment financing over a specified length of time, making it more reasonable. It can also help businesses refinance existing assets in order to improve cash flow. Asset Finance safeguards your cash flow by offering a variety of flexible repayment alternatives, allowing you to build your business at your own pace.
What can our Asset Finance Loans be used for?
PBFC is a leading Asset Finance whole of market broker in the United Kingdom. We have the expertise and experience to fund any type of assets that any business may need. Our asset finance solutions can be utilised for a wide range of investment purposes, including:
Purchasing new or used equipment or machinery
Refinancing/upgrading existing Asset Finance
Refinancing Unencumbered Assets
We specialise in financing sport, prestige and electric cars for directors.
Different Types of Asset Finance
Finance Lease
A popular option if you aren’t looking to own the asset outright at the end of term. We buy the equipment and lease it back to you with monthly rentals. VAT is calculated and payable on the monthly rentals. This reduces the upfront costs.
The benefits of leasing are:
You can free up capital as VAT is spread across the contract, keeping upfront costs down.
Leasing can be tax efficient as repayments are counted as a business expense.
You can control costs allowing for easy budgeting for maintaining the equipment. You can also choose to include maintenance costs in the repayment plan
We have a range of lease options including…
Finance Lease
This lease has a primary term with fixed rentals.
At the end of the primary period, you can:
Hand the equipment back to us.
Sell to a third party on our behalf and retain a percentage of the sales proceeds
Continue renting it after the primary period ends
Hire Purchase
Simple, straightforward product. VAT is paid up front and you make your own arrangements for maintenance, repairs, and servicing.
Tax advantages. As well as reclaiming VAT (if VAT registered), you may be able to claim capital allowances and offset repayment interest against profits.
You choose how the finance is structured. With a flexible deposit, fixed or variable payments, and the option of a final balloon lump sum payment at the end of the agreement.
Ultimate ownership. You have the right to buy the asset at the end of the agreement term.
Seasonal payments. Offered for the agriculture market to tailor repayments to meet seasonal income.
Hire Purchase (HP) is a popular option if you want to own the asset outright at the end of the agreement term.
We help with securing the finance for the asset. At the end of the agreed term, you can choose to take ownership of the asset for a nominal fee.
The benefits of Hire Purchase:
Sale & Leaseback HP
Refinance is designed to release equity in existing hard assets and to produce an injection of cash that can be used to fund a variety of activities.
Including:
Funding specific business projects
Putting a deposit on new equipment
Acquiring a new business
Purchasing new assets that may not be suitable for finance
