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Asset Finance

Solutions

Free-up your working capital by spreading the cost of owning or leasing assets

Asset Finance can help you to avoid tying up your capital in one big purchase or can be used to leverage the equity in your existing assets.

It works by spreading the cost of capital purchases such as equipment, machinery or vehicles over a fixed period of time. These assets can be new or second-hand.

  • Hire purchase. A good option for acquiring your equipment and vehicles. Technically you own the asset while spreading the cost over the life of the asset. This tax-efficient approach means you can offset interest payments and any charges against your pre-tax profits, as well as reclaiming VAT. And, as the owner of the asset, you may be able to claim capital allowance. For seasonal businesses, there is scope for structuring repayments to reflect your cashflow.
  • Refinancing. This is when you release the capital tied up in your assets to free up cash to use elsewhere, or simply to improve cashflow over time. You still have full use of the asset and will still own it at the end of the term. As the name suggests, it can be used even if you have existing finance with another provider.
  • Leasing. Benefit from more flexibility by renting your asset, with a term designed to fit your business requirements and cashflow. Ideal if you need to scale your operations up and down quickly to meet customer demand or spread costs as far as possible. At the end of the first lease term you may have the choice to extend to a second period, or even sell the asset and keep some income from the sale. Alternatively, you can simply return the asset.

 

As businesses look to the future following the pandemic, this form of finance can be one of the best ways to help you get the funding in place to adapt and seize new opportunities. We have many years of experience supporting business of all sizes in all industries including:

  • Campervan and motorhome finance
  • Agriculture and forestry
  • Construction and engineering
  • Manufacturing and printing
  • Quarrying and demolition
  • Transport and haulage

 

We are very well placed to find the right funder and product for you, even if you have been declined for a facility in the past.

Campervan and Motorhome Finance

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Ask us about the best Asset Finance for your business

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FAQs

Q: What fees do Breadalbane Charge?

A: We are paid a commission fee by the funder so no fee is payable by you.

Q: How much can I borrow?

A: There is no upper limit, typically we provide facilities from £5k upwards.

Q: Will the assets stay on my balance sheet?

A: Yes, there are funding options where assets can be kept on balance sheet as well as options where assets are off-balance sheet. Working with a network of partners, we can help you to identify which funding option may be best for your business.

Q: Can I refinance the equipment that I own?

A: Yes, this in an area we specialise in – Please call and speak to one of our asset refinance experts to find out how much capital you may be able to release in the assets that you own outright.

Q: What kinds of equipment can be financed?

A: Asset finance is very flexible and can help businesses across many sectors, so the types of equipment are wide and varied. For example, Breadalbane can help finance commercial vehicles; contractors’ plant (including excavators, dump trucks and crushers etc), precision engineering and woodworking, printing and other equipment for a broad range of industries.

Still got a question?

Let’s chat it over. We’d love to hear from you. Just give us a call or email us.

Get in touch

Case Studies

View all case studies
Oil rig in ocean

Asset Finance deal strengthens growth recovery for Scottish engineering company

Breadalbane recently helped a Scottish Engineering company in the energy sector secure a £540,000 cash injection using asset refinance to help fund a new 4 year contract.
View

How Motion Scot Construction Services reduced their monthly hire costs by £500

Motion Scot Construction Services approached Breadalbane to help reduce monthly costs and moved from a hire model to financing assets to meet contractual obligations and drive growth.
View

How Hi-De-Hi Campers met a 150% increase in customer bookings

Hi-De-Hi Campers were looking to purchase a new motorhome to increase their fleet to 5 as they had experienced a 150% increase in bookings for the upcoming season.
View

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