Capital Options FAQ's

HOW LONG IS A LEASE OVER?

Agreements can made from 6 months to 7 years, dependent upon your needs and requirements.

WHY WOULD I LEASE RATHER THAN BUY?

Leases are arranged outside your current banking arrangements which enables businesses to invest in new equipment to make them more efficient and productive without having a negative impact on working capital. Read more on Why Lease?

HOW DOES A LEASE DIFFER FROM A LOAN?

A lease is an agreement to make payments for a specific amount of time for the right to use the equipment owned by the lease company. Leases are generally more flexible than loans and offer tax efficiency.

WHAT IS THE MINIMUM VALUE THAT CAN BE LEASED?

The minimum required is £1000.00.

CAN SERVICE FEES BE ADDED?

Installation, service fees and first year maintenance contracts can be included in the lease.

CAN I LEASE SOFTWARE?

Software and other soft costs can be added to the lease. Software only leases are also available at special rates.

WHAT ABOUT ADDING EQUIPMENT AT A LATER DATE?

Add-on programs are available throughout the term off the lease.

CAN A NEW START BUSINESS LEASE?

We may require a little more information from you, but as any finance is secured against the asset, then it usually isn’t a problem.

CAN THE FACILITY BE WITHDRAWN?

Unlike an overdraft the facility can not be withdrawn, so long as you maintain the regular payments.

WHAT HAPPENS IF I WANT TO SETTLE EARLY?

Agreements can be settled early, though often there may be an additional charge made. Settlement charges vary with each agreement.

CAN MY BANK ARRANGE A LEASE FOR ME?

Regardless of how good a relationship is with a bank, they may not necessarily offer the most competitive agreement rates. By speaking with Capital Options we can ensure that you are getting the most competitive deal without impinging on your credit lines or any positive relations you have with your bank.