Low Rate and Flexible Finance

With access to over 40 funders we are able to offer highly competitive finance rates that it many cases will be lower than bank rates and the rates vehicle suppliers are able to access. We can also offer variable rate and seasonal payment options

Non status & Sub-Prime Finance

Most banks or finance houses will decline a deal if it falls outside of their strict criteria, we understand that each applicants requirements and circumstances are different and may not necessarily fit in to set parameters. We aim to provide a solution to any problem you may have, no matter how difficult it may seem.

Vehicle/Asset Finance

If you are looking to purchase new or used equipment (Vehicles, Machinery etc.), once approved we pay the supplier and you will repay the lender over a fixed period.

• New or used equipment can be financed
• Adverse and Poor credit considered
• The equipment does not have to be supplied by a dealer

Refinance

You can raise finance against existing assets such as cars, vans, trucks, machinery, by invoicing us and repaying over a fixed period. For more information click on the Refinance page.

• Any asset is considered
• Adverse and Poor credit considered
• Balloon payments on prestige vehicles
• Funds can also be advanced against valuables such as watches, jewellery, classic cars etc.

Who we can help

Regardless of your situation, circumstances or requirements we aim to provide a solution to your financial problem, including business who have been previously refused due to adverse information such as poor trading history or voluntary arrangements. In addition we help new business start up’s, Phoenix Companies and many other circumstances.

• Customers with excellent credit looking for low rate finance packages
• Customers with poor or adverse credit who may have previously been refused
• Customers/Businesses in CVA or IVA
• Businesses with a poor trading history
• Businesses with adverse credit history, CCJs, Defaults considered.
• New start companies
• Sole Traders
• Partnerships
• IVA's (Individual Voluntary Arrangements)
• LTD - Private limited companies

Assets Financed

We can consider finance and refinance any virtually any asset, typical assets we will consider are listed below, but please feel free to contact us with your requirements.

• Prestige Cars
• Classic Vehicles
• Plant and construction machinery
• Vans and Pick up Trucks
• Agricultural Machinery
• Fleet Vehicles
• Trucks and HGV’s
• Buses and Coaches
• Motor Homes
• Race and Rally vehicles
• Minibuses
• Motorbikes
• Trailers
• Taxis
• Ambulances

Refinance

Refinancing is the process by which a client can use their existing assets to raise additional capital for a number of purposes, these assets can be unencumbered (free from finance). Alternatively, the assets could be subject to an existing finance agreement with a finance company but would have sufficient equity to allow a refinance.

By releasing capital tied up in fixed assets we can help improve cash flow and stability for a client. Funds can be used to recover from bad debt, improve cash flow, reduce bank overdrafts or to restructure existing agreements and release the equity. The injection of working capital can fund expansion of the business or to fund management buy ins/outs.

We can also arrange a refinance agreement to fund a large ‘balloon rental’ due or to become due on an existing agreement (generally on prestige and sports cars).

Refinance agreements can be provided on a Lease/Hire Purchase or Lease agreement, they are often referred to as  “Sale and Leaseback” or “Sale and Lease Purchase Back”.

You can raise finance against existing assets such as cars, vans, trucks, machinery, by invoicing us and repaying over a fixed period. For more information click on the Refinance page.

• Any asset is considered
• Adverse and Poor credit considered
• Balloon payments on prestige vehicles
• Funds can also be advanced against valuables such as watches, jewellery, classic cars etc.

Some of the reasons to refinance may include:

• To reduce existing monthly commitments byspreading the remaining balance of an existing finance agreement over a longer term
• Bad debt provision, to recover from a Bad Debt or to reduce bank borrowing (i.e. overdraft).
• Management buy ins/outs, refinancing the assets of a business can raise capital to purchase another business or to aid the restructuring of the business.
• Raising Capital, a business can raise capital for expansion from their existing assets without outside investment.

• Purchasing new equipment, businesses may find that they cannot easily obtain asset finance for new machinery, but can raise the funds by refinancing their existing assets (or by offering them as additional security).