Financing Options

We offer intelligent brokerage for a wide range of financing options. By using our lengthy experience and expertise we are able to propose finance and refinance arrangements that best match the long term needs of our clients. And being backed by a large pool of funding providers we can make sure to get the best terms from the market.

New Asset Financing

• Lease - a rental agreements giving your organisation (the lessee) the right to use an asset owned by the finance provider (the lessor) for a specific period of time in return for regular payments.
• Lease Purchase - the same as a lease but offers the option to purchase the asset at the end of the lease period.
• Hire Purchase (HP) - behaves like a combined loan and lease. The lender acquires the asset and permits your organisation to use it while you make the regular payments.
• Marine Mortgage - a long-term loan which is registered in accordance with the Merchant Shipping Act 1993 wherein the marine asset (but not any share thereof) is the security for a loan to purchase itself.
• Aircraft Mortgage - a long-term loan which is registered with the Civil Aviation Authority wherein the air asset is the security for a loan to purchase itself.
• Regional Business Investment Grants - assistance in constructing a successful application.

Refinancing Existing Assets

• Sale and Lease Back - your organisation sells an owned asset to the finance company for an agreed value and then leases it back.
• Sale and Hire Purchase Back - the same approach as Sale and Lease Back, but using a Hire Purchase agreement in place of the lease back.
• Loan and Chattel Mortgage - a fixed charge over an asset (excluding freehold land) used as security against which the finance provider can advance money.

Cash Flow Improvement

• Invoice Discounting (Factoring) - a method of raising cash without regard to physical assets. This is a very useful approach for an organisation which can't (or doesn't want to) pledge fixed assets to secure other forms of finance. Two landmark legal cases (known as "Brumark" and "Spectrum") have influenced decisions in this area. If you'd like more detailed information, call us and speak to one of our experts.

Extended Warranty and Accidental Damage Insurance

• CNC Asset Management - provides extended warranty and accidental damage insurance on a wide range of industrial assets.

» Full details (links to CNC Asset Management web site)

Intelligent Brokerage

We pride ourselves on being Intelligent Brokers. This means that we take the trouble to get to know your business before we search for suitable financing products and funders. We use our personal knowledge of industry and finance provision to openly advise you on the options available in your situation so that you can make a more informed decision.

At the same time we use the strong relationships that we have with our extensive pool of funding partners to only propose your business to those that are likely to accept which avoids building up an ‘overactive’ credit record black mark for your organisation - and to negotiate the best terms.

We want to build long-term relationships with our clients - to run our business any other way would make no sense.