How it works
WHAT IS ASSET LEASING?
Asset Leasing is a way to acquire items you need for your business, without using your capital. Enabling you to use your monthly cash flow to pay for the items over an agreed term, whilst being tax efficient. You have to be a limited company in order to do it. If you’d like more information please get in touch we’ll be happy to help.
AM I ELIGIBLE?
You must have limited company, LLP or (new or trading is fine).
Minimum order value is £2000 nett or more (however you can put more than 1 invoice (property) on a lease,
Ideally at least one of the directors must own a property of some kind whether residential or investment, otherwise a home owning guarantor is required. See FAQ’s.
Managed properties or properties on Rent-to-Rent contracts are okay proving one director owns a property or they have a home owning guarantor.
WHAT DOES CASH FLOW LEASING DO?
HOW MUCH AM I BORROWING?
On the invoice, you borrow the net amount plus the lender’s interest rate.
WHAT IS THE TERM?
The standard term for a lease is 3 years, but this can be altered depending on your requirements from 1-5 years (also depends on the underwriters acceptance).
WHERE DO I GO TO FIND A SUPPLIER?
If you need help searching for suppliers, we have a list of the suppliers we work with.
See them here.
CAN YOU HELP ME IF I ALREADY HAVE A SUPPLIER?
Yes! If you already have a supplier and require leasing options please get in touch.
HOW DO I GET STARTED WITH ASSET LEASING?
It’s simple – Fill out our contact form. We start with a chat about your business, project and financial status. We then send out an application form where we collect your information such as your ID and business bank statements. CashFlow Leasing then selects the best lender for your company.
HOW DO CASHFLOW LEASING QUOTES WORK?
We always give you the worst case scenario. We always quote at the highest rate. If we can ensure your company can support the highest rate, then you will always have enough cash flow. We make sure you’re completely prepared for negotiations and project planning.
WHAT CAN BE LEASED?
Anything that you require to operate a business. Our most popular assets to lease are furniture, beds, soft furnishings, white goods, electrical items, office equipment, IT equipment, boilers, heating and cooling systems, solar panels, hot tubs, the list goes on!
WHAT ARE MY LEASE FINANCE OPTIONS?
Every client is unique, but the most common leasing options are:
- Pre-Delivery – You do not pay the supplier anything, except a small percentage to guarantee the order. The lender pays the supplier 3 days before delivery of your goods. You receive your goods and the supplier is paid by the lender. Ideal for limited companies.
- Post-Delivery – You have already paid your supplier and delivery of goods may have already taken place. You pay your lease and the lender pays the full amount to the supplier. The supplier will refund what you paid up front. Ideal for limited companies.
SALE & LEASE BACK
If you are a VAT registered company, sale and lease back might be an option for you. Instead of the lease going out to the supplier, you’re becoming your own supplier. All you have to do is gather the proof of purchase for all the work you have done. You then invoice the lender as per these statements. You are selling the items to the lender to then lease them back. This is a great option for projects such as a refurbishment.