Asset Finance

Spread the cost of capital expenditure with stand-alone asset finance facilities.

At Sterling Capital Reserve, we are able to source a wide range of innovative and competitive finance packages secured against the following different types of assets:

plant & equipment
commercial vehicles and HGV’s
cars and coaches
machinery
engineering equipment
fixtures & fittings
CCTV and office equipment
marine and aviation

Asset finance can be arranged for new acquisitions, refinance of existing assets, or to provide additional cash to support:

MBO or business acquisition
additional working capital
reduction in bank borrowings
expansion finance
director share purchase
business purchases from receivers

Our knowledge of the asset finance sector means that we can identify the most appropriate funder is sourced for every asset finance requirement, whatever the financial status of the applicant. We regularly arrange asset finance in respect of adverse credit applications.

The main benefits of asset finance over other forms of finance are:

asset finance can be arranged quickly
it is a “stand alone” facility, outside the working capital finance
the asset cost is linked to the income stream it generates
it is non cancellable (provided repayments are met)
repayments are agreed at inception allowing simple cash flow management

Our experienced asset finance consultants can offer advice to businesses in respect of the most appropriate type of asset finance facility and tailor the terms available to suit the clients circumstances, these can include:

Finance Facilities:

hire purchase
lease purchase
finance lease
operating lease
equipment rental

Terms:

zero deposits
repayments up to 7 years
seasonal payment profiles
structured agreements

We also arrange vendor finance schemes, to allow businesses to offer finance facilities to their customers in respect of the sale of capital equipment. The customer obtains all the benefits of asset finance and you experience the following advantages:

More sales (as we help your customer buy your goods)
Customers focus on the monthly cost rather than the equipment cost
You do not need to give credit
Convenience as you become a “one stop shop”

All asset finance cases are supported by professionally prepared applications by our in house asset finance specialists, thereby significantly enhancing the chances of our clients securing the optimum financial package.

Unlike some of our competitors, we do not believe in up front charges. In most cases we are remunerated through commissions from lenders, and therefore do not need to charge fees to clients.

Enquire Online

Use our Online Enquiry Form on the right hand side of this page or Contact Us on 0800 0735353 and let our professional team find you a competitive UK Commercial Finance Deal.