Asset Finance - Contract Hire - Hire Purchase - Finance Lease - Re-Finance - Image

Asset Finance by Nationwide Business Finance

Asset finance enables companies to obtain finance to purchase assets they need to grow their business successfully or of which they cannot afford due to a shortfall within their cash flow.

Paying cash outright for capital assets can be a significant drain on a company’s working capital. With asset finance you can manage your cash flow via regular payments over an agreed period of time, and then they are wholly owned at the end of the term.

There can be tax benefits for your company of obtaining asset finance rather than paying cash outright.

Asset finance can be an effective business tool and could be used to avoid using your over draft which could be utilised for other company purchases.

The finance company takes the security in the asset usually, and typically requires 10-15% deposit, although this can be tailored to specific requirements.

Terms are available from 13-84 months, and Asset Finance can be used for all tangible assets, be they new or used.

We also have monthly offers available - please click here (opens in a new window) to download our latest offers.


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Hire Purchase

Hire Purchase is a simple repayment facility, where you eventually own the asset at the end of your agreement.

Hire Purchase Benefits

• Total Control.
  The asset is yours at the end of the agreement.
• Fixed Budgeting.
  Monthly payments are fixed, so you can budget effectively for the duration
  of the contract.
• Tax advantages.
  Normally you can claim writing-down allowances, while   repayment interest
  may be offset against profits and VAT is usually reclaimable.

There is great flexibility with this type of asset finance.

We can help to structure it in various ways, with a flexible deposit, fixed payments and perhaps a balloon final lump sum.

Assets you can finance with Hire Purchase.

• Cars and Vans.
• HGVs.
• Buses and Coaches.
• Plant and Machinery.
• Agricultural Equipment.
• Construction and Materials Handling Equipment.

Terms upto 7 years.
Lends from £3000- £3,000,000

We also have monthly offers available - please click here (opens in a new window) to download our latest offers.


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Finance Lease

The benefits of using an asset with spread fixed rentals.

Finance Lease is a commercial leasing agreement where the finance company always owns the asset. At the end of the leasing agreement, the assets are sold by you, and you receive the major share of the proceeds, alternatively you can opt to keep using the asset for another 12 months by paying a nominal sum to the finance company.

Finance lease benefits.

• Low Up-front Costs.
  Deposits are sometimes equivalent to just 3 monthly rentals.
• Flexible Repayment Structure.
  Rental payments can be tailored to match your cash flow
• Fixed Budgeting.
  Payments are fixed throughout the contract, so you can budget effectively.
• Tax Advantages.
  VAT is payable on the rentals, while payments can normally be offset    against taxable profit (special rules apply to cars).

Assets you can finance with finance lease include...

• Cars and Vans
• HGVs
• Buses and Coaches
• Embroidery Machinery
• Plant and Machinery
• Agricultural Equipment
• Construction and Materials Handling Equipment

We also have monthly offers available - please click here (opens in a new window) to download our latest offers.


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This product enables companies to raise capital for their cash-flow by releasing the equity from existing company assets.

It’s a very simple process where the owned assets of the company including machines, plant and vehicles are valued, then a full proposal is submitted for the credit line.

The term of the re-finance is usually between 24-60 months but can vary subject to the age of the assets.

The money raised is sent straight to the company’s bank account where it can be utilised for any purpose.

Re-finance is a great way to get that extra cash without the hurdles or barriers of non-secured or commercial loans, and the company continues to utilise the assets as before.


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What Our Clients Say...

“We have found that Nationwide Business Finance give excellent levels of service to all of our customers requiring Asset Finance, when they are purchasing our machinery. Customers always get the best support in our opinion, and a very quick response for quotes and credit decisions. Our clients have noted that the finance rates are very competitive, with service levels that are second to none. We have also used NBF when we bought our new van. Claire sourced the new van which saved us over £3000 and the finance was very competitive, Claire turned everything around very quickly with very little for us to do. We would have no hesitation in recommending Nationwide Business Finance to any clients that require Asset Finance when purchasing an asset.”

Stella Zambelis
D Zambelis

“Insign Ltd. have used Nationwide Business Finance to fund our vehicles and equipment since 2008, our relationship with Claire and Nik has grown over these years due to the excellent and personal service they provide, nothing is too much trouble, as they react promptly from your initial enquiry with a quick turnaround and always find the most competitive deals. I always rely on them to offer good sound advice for whatever we require with minimal stress, and are always flexible to meets our needs.”

Paul Woollatt - Managing Director
Insign Limited

“Claire, Thank you so much for sorting my finance out so quickly and efficiently. I tried a few other finance companies before you, but all I did was waste my time.

I am glad that I now know you, and will use you for all of our future finance requirements, as we are growing company and will need a lot more assets in future.

You are friendly and a very professional person, and it will be my pleasure to deal with you and NBF in the future. Regards”

Serandaz Khan - Director
EMA Embroidery Ltd

Nationwide Business Finance Ltd - LS3 Armstrong House, First Avenue, Doncaster, DN9 3GA - Phone: 01246 410505
Fax: 01246 414158 - E-mail:
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Link to our Asset Finance page. Link to our Contract Hire page. Link to our Hire Purchase Section. Link to our Finance Lease Section. Link to our Re-Finance Section.