Lease Finance

 

Many financial organisations will only provide asset finance for traditional hard assets. At Portman we are able to fund any sort of asset, be it a traditional hard asset, such as heavy plant machinery, tractors, vehicles, fork lifts, catering or gym equipment, to more ‘soft’ assets such as IT software, office equipment and furniture.

More about our lease finance products...

We’re able to finance assets in almost any sector, not just the ones listed on this site, so whatever asset you need to move forward, contact us and we’ll be happy to help.

With rates from as little as 2.5%, a lease hire agreement can offer flexible payment terms with the added benefit of:

  • No large outlay. Payment is spread over several years enabling you to retain working capital to run your business.
  • Tax Advantages. Lease rentals are considered as an operating cost, which means that it is often possible to deduct them from taxable profits (as a trading expense).
  • Budgeting. Payments are regular fixed amounts allowing for them to be worked into a businesses budget with ease.
  • Certainty. The facility cannot be withdrawn, provided payments are made.
  • Ownership Option. At the end of the lease agreement you may choose to purchase the equipment.

Want to find out more? Speak to one of our dedicated Account Managers today.

 

CALL NOW ON

01604 761 276

Business Loans

 

You know your business better than anyone. A business loan affords you the freedom to use the monies as you best see fit. Whether it’s consolidating existing finance, growing your existing business or buying another, if you’re looking for a loan from between £10,000 and £2,000,000, then Portman can help.

More about our commercial loans...
Getting a commercial loan through Portman is a simple process:

  • First steps. We allocate you a dedicated Account Manager, who will find out from you what you need
  • Information gathering. We’ll ask you for the relevant information
  • Let us do the work. We apply on your behalf to our underwriters
  • Application. We send you the paperwork for signature
  • Pay out. We transfer the cash into your account

CALL NOW ON

01604 761 276

Hire Purchase

 

Similar to a lease agreement however, you are the purchaser and there is therefore a promise of ownership for the goods. After all payments have been made, your business becomes the owner of the equipment, either automatically or on payment of a final option to purchase fee.

More about our hire purchase products...
  • Minimum upfront outlay. Minimum capital outlay compared with outright purchase and payment is spread over several years enabling you to retain working capital to run your business.
  • Tax Advantages. As the purchaser, you have the ability to claim capital allowances on the asset. VAT is paid upfront so there is no VAT on monthly payments. Interest charges may be offset against profits for taxation.
  • Budgeting. Payments are regular fixed amounts allowing for them to be worked into a businesses budget with ease.
  • Certainty. The facility cannot be withdrawn, provided payments are made.
  • Ownership. At the end of the HP agreement and on completion of all payments you will own the equipment.

Want to find out more? Speak to one of our dedicated Account Managers today.

 

CALL NOW ON

01604 761 276

Refinance

 

With rates from 2.5%, business equipment refinance allows you to release locked in equity from your assets. This is available across a number of sectors and equipment types.These unlocked funds can then be used as you require, from consolidating existing finance, growing your existing business or purchasing another.

More about our refinance options...

If you are running your own business, at some point you will come up across the need to invest in order to continue growing. But this can require a substantial amount of capital investment, and often you will find yourself unable to grow further without it. Unfortunately, banks are shoring up their defences against further lending, and the idea of dipping further into your overdraft makes your blood run cold. Surely there is a better way?

Portman are happy to be able to offer you an easy solution to that problem. We can help you find easier ways to raise capital by examining the potential already in your business. For example, you may have unused assets within the business, or you could refinance existing assets and release the equity held within them.

Want to find out more? Speak to one of our dedicated Account Managers today.

 

CALL NOW ON

01604 761 276

Helping UK businesses grow

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Portman Asset Finance