Capital Options can assist with equipment finance for any business use with no upper limit on the amount of finance. Most businesses will use finance at some point in their business operation due to the flexibility it offers.
We consider ourselves to be equipment finance experts in a wide range of industries, working alongside both SMEs and some of the largest companies in the UK. Our Business Finance Solutions are all tailored and intended to enable business innovation and growth. We offer competitive rates, straightforward and transparent documentation with a fast response. All supported by experienced people you can talk to.
The speed in which your application is processed and is approved depends on how quick you are at providing information to us. We only ever ask for pertinent information, for established businesses we require the latest set of accounts and business bank statements, while new start companies must provide a business plan, financial projections and personal net worth statements.
If you are looking for business finance then complete the form below and we will be in touch to discuss the best options for you and your business.
ABOUT CAPITAL OPTIONS
As a team of professionals with access to numerous major UK and International financial institutions, ensuring complete flexibility when considering your major financial decisions. With access to these major funding lines we guarantee we will provide you with the best agreement for your finance requirements.
Indeed, our commitment to you is that we will offer the right solution for your business needs. We will listen to your short and long term business plans before recommending the most appropriate financial solution. Capital Options will work alongside you as your finance partner rather than just as a funding provider.
LEASING OPTIONS
Lease/Hire Purchase
Once the rental period has ended, for a nominal option to purchase fee, you own the equipment. It is also highly tax efficient. During the rental period you are able to claim capital allowances with the interest elements also subject to tax relief.
Lease Rental
Often the preferred option when using asset finance as it includes accelerated tax relief in comparison to lease purchase. Once the lease term has ended you do not own the equipment.
Sale and Lease Back
On assets up to a year old, capital in your existing equipment is released back into your business with an immediate cash injection, you then lease the equipment back over an agreed term.
Refinancing
Any current unencumbered asset, which you own and has a strong residual value, can have capital released against it.
Vehicle Leasing
Purchase of a vehicle through contract hire, contract purchase or lease rental.
Commercial Loans
Where there is no asset security this may be a preferred option.
If you are looking for business finance then complete the form below and we will be in touch to discuss the best options for you and your business.
WHY LEASE ?
In essence, leasing is a method of funding that keeps money in your business rather than locked into depreciating assets. Instead of paying in full for any product or service upfront, leasing enables structured regular repayments to meet your cash flow and budgetary requirements over a time frame to suit you.
The key principle can be demonstrated by the example, that it’s the use of IT equipment in a business which produces benefits, not the ownership of the equipment. Leasing delivers that use, with the flexibility to structure payments that maximise customer returns over the life of the agreement.
Leasing means there’s no impact on existing credit lines so it makes any further borrowings easier to obtain.
The finance payments are fixed, from when the funds are released for the life of the agreement, negating any future interest rate rises and enabling tight budget controls. There is no requirement for large up front deposits that could also affect your cash flow.
100% of project costs can be covered, including any installation and training costs.
Leasing is considered one of the most efficient ways to acquire new equipment as all rentals are 100% allowable against tax.
As leasing spreads the cost of any purchase over an agreed timescale it may enable you to purchase more than you initially thought, or to purchase more expensive equipment enabling you to future proof your business or improve profitability faster than anticipated.
As any security taken is only against the asset purchased it leaves other business or personal assets unencumbered. It also avoids any fees associated with securing finance against property.
Any new agreements made are stand alone and do not affect any current credit facilities you may have in place. Leasing also means there is no negative impact on your cash flow, working capital of overdraft position.
