Spread the cost of your next purchase with asset finance

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We can offer the following asset finance options:

Finance lease

Need new equipment or vehicles without the burden of ownership? A finance lease works in a similar way to renting, at the end of the agreement you will be able to return the equipment, meaning you aren’t left with out-dated equipment.

Hire purchase

If you’d prefer to own the new asset at the end of the term then a hire purchase could be for you. This works in a similar way to a finance lease, but your monthly payments will be working towards full ownership at the end of the agreement.

Operating lease

For those needing plant, machinery or tools to carry out their trade, an operating lease gives you the flexibility of monthly payments with a final term payment based on the different between the original purchase price and the final residual value.


Often described as a way of ‘unlocking’ cash, refinancing is a type of asset finance that uses existing items in your business as security. This means that you can take out finance based on the value of something your business already owns.

Finance lease

Are you looking to purchase equipment on a finance lease?

A finance lease by definition is a financial agreement in which a finance company pays for equipment that a customer wants, such as a vehicle or a coffee machine, and the customer pays them ‘rent’ to use it.

Depending on the agreement, the customer may own the goods or buy them for a reduced price at the end of the lease.

Finance lease rentals are, as writing this, 100% tax allowable and there are circumstances where it is still the most tax efficient option compared to alternative asset finance agreements, such as hire purchase.

Businesses may choose a finance lease over a hire purchase agreement as they will be able to spread the cost of the VAT over monthly payments, or because they can show the finance lease as an operating cost and offset the rentals against profit.

Typically, a funder will agree an initial rental period with your business, where the agreed fixed monthly payments cover the capital cost plus interest.

At the end of this initial rental period you may be given a few options. Continue to lease / rent the asset, in to what is known as secondary rentals (at times cheaper than the original payments).

Sell the asset and potentially keep a share of the sale price or return the asset to the finance company.

How it works

Why use The Funding Store?

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Are you looking for a hassle free loan application with
no hidden fees and no upfront charges?

We are continually reviewing funding providers to bring you choice, competitive rates and flexibly to access the right finance, at the right time. But most importantly, we are passionate about what we do. This is evident in our enthusiasm and commitment to assisting you at each stage and after you have secured your finance.

Sourcing finance, supporting growth

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Finance lease asset finance specialists

We help all types of businesses to access asset finance. By connecting you with an extensive panel of reputable lenders, our team can bring you choice and competitive asset finance.

If you have any questions on how asset finance might work for your business please do get in touch with our team, we will be pleased to help.

Contact our finance lease asset finance team today

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