Decision Finance Asset Finance:

"Asset Finance allows you to acquire an asset for your business without having to pay for it all upfront.

Paying cash for an asset can be a significant drain on your working capital. Leasing the asset, however, gives you access to the asset without paying for it all at once.

You can lease almost anything, from equipment valued at a few thousand pounds to assets worth millions. Leasing contracts are flexible and can be tailored to your needs.

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Paying cash for an asset can be a significant drain on your working capital. Leasing the asset, however, gives you access to the asset without paying for it all at once. All forms of leasing are basically rental agreements giving you (the lessee) the right to use an asset owned by the lessor (finance company) for a specific period of time in return for regular payments (rental payments). You can lease almost anything, from equipment valued at a few thousand pounds to assets worth millions. Leasing contracts are flexible and can be tailored to your needs.

When leasing, consider its effects on accounting, reporting, tax, and your cash flow. You may wish to consult your accounting and tax advisors before finalising a lease transaction to reap the maximum benefit and avoid complications.

Choosing the Right Type of Finance.

All types of financing offer different advantages and it is important that you assess your circumstances and needs before committing to a specific finance contract.

For example, if you want to own the asset straight away, an outright purchase (cash or loan/overdraft) might be appropriate.

You may want to own the asset at some point in time and want to take advantage of instalment payments in which case hire purchase might be the best option.

If you do not want to own the asset at all but require it for most of its useful life, consider a financial lease.

If you require the asset for a period of time significantly shorter than the useful life of it, consider an operating lease."

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