Fast, affordable finance products

If you are looking for lease finance, hire purchase, a business loan or to refinance equipment, then Portman has the right product for you. Learn moreCall now

Your Solution, Your Way.

With access to over 40 UK lenders, offering a range of products with loans from £10,000 to £2,000,000, Portman can provide your business with the finance it needs to fulfil its ambitions. Whether your looking to lease or purchase equipment, borrow funds or release locked in equity, then one of our dedicated account managers is ready find the right solution for you. Our account managers have a wide range of sector and specialism knowledge, so your requirements will be quickly and efficiently understood.

But my business is new…

No problem – we work really well with start-up companies. We love entrepreneurs and have a special understanding of the enterprise culture. We understand the unique challenges that new businesses face and are experienced at helping turn those challenges into opportunities.

Business Loans

No one knows your business better than you and 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, with rates from just 2.5%, if you’re looking for a loan from between £10,000 and £2,000,000, then almost certainly we’ll be able to help.

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. 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 The facility cannot be withdrawn, provided payments are made.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.

My Account Manager at Portman was able to help me find the right finance option for my new business, even though the bank refused.

It was refreshing to deal with a finance company who not only had specialists in my industry, but also that would actively advise me on the best options. Thanks to them, I will save hundreds in tax bills this year!

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.

  • 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.

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.

For further information on any of the above options please call one of our specialist account managers today on 01604 761276.

Check your eligibility

Find out if your business meets the criteria required to apply for one of our commercial finance products.

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Call us

Call our office today to speak with an Account manager about how Portman can assist with your finance requirements.

01604 761 276

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Call us

Call our office today to speak with an Account manager about how Portman can assist with your finance requirements.

01604 761 276

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