Equipment Finance Options To Suit Your Needs

We are pleased to be able to offer a quick and simple way of purchasing your new equipment, via our preferred leasing partner:




Improve Cashflow

Your new catering equipment can be delivered and operational without the need for capital expenditure.

Have what you need today with no cash outlay.



Retain Credit Lines

Keep existing banking arrangements, credit lines and cash free for uses that are more appropriate.  

Our finance facilities cannot be withdrawn like overdraft facilities.

Use cash and bank funding for working capital to maintain a healthy business.



Simplify Budgeting

Payments are fixed throughout the term of the agreement enabling accurate and simple budgeting and forecasting.  

Bank facilities are generally related to interest rates, which is fine when they are low but can cripple cashflow when they increase.



Let the Equipment Pay for Itself

Enable the finance payments to coincide with the benefits of having the new equipment as they start to appear.

You wouldn’t pay all your staff costs up front!  Pay for the catering equipment as you gain the benefits, not before.



Keep Up to Date

Combat obsolescence problems or requirement changes as the equipment can be supplemented or upgraded at any time in the future.  

Have what you really need to do the best job for you, not just what your budget limits you to.



Simple Approval in Two Ways

Leasing may be classed as a revenue item for budget purposes which may make it easier for you to obtain authorisation for the expenditure.  

Secondly, our approval process only takes one phone call and an approval is usually provided the same day.



Leasing Versus Cash

By paying cash, the amount you can deduct from your tax bill is limited to capital allowances on the purchase.

Also don't forget the interest (or other return on capital employed - "ROCE") that is lost.

   Cash Price                          £7,500.00

   Less tax relief                     £732.00

   Plus lost ROCE                  £2,482.50

   Net cost of paying cash      £9,250.50

..By leasing you will get tax relief on every payment

   Total Rentals                      £9,393.48

   Less tax relief                     £1,878.69

   Net cost of lease option      £7,514.79

…and you are improving cashflow, the lifeblood of your business.

   Example based on:             36 month lease

   Highest tax rate of:             20%

   Capital allowance - Yr 1:     20%

   ROCE per annum of:          10%

Any leasing figures quoted are subject to credit approval for business users trading for over 3 years only.  


For more infomation on Equipment Leasing call us on 01582 862000


Services for non-regulated customers only, please contact us for further information.