Our Leasing Criteria
  • One hour decision in principle
  • Prime or Sub-Prime
  • Payout in about 2 weeks
  • 100% funding
  • Low monthly rentals
  • Low Deposit subject to criteria
  • Late payments, arrears, CCJ's, all considered
  • Minimum Loan £25k
Contact Us Today!

Don't delay, why not talk to us about equipment leasing on 0844 504 9866 or fill in our brief "contact" form here for a free initial consultation.

Case Studies

Why not take a look at some of the business leasing deals we have completed previously.

Equipment Leasing Options

Leasing choices are marketed in many guises today but essentially all are based on either a "finance lease" or an "operating lease". However they do serve to demonstrate the flexibility that leasing offers when considering a commercial finance option.

  • Finance Lease

    This kind of leasing is usually for a fixed term of upto 5 years, sometimes 7, rentals will cover the cost of purchase & all finance charges. At the end of the term you can choose to buy the asset , continue to rent via what is called a "peppercorn rent", or return the equipment to the leasing lender. Where purchasing a nominal "change of title fee" will be charged.

  • Lease Purchase

    Strictly speaking there is no such finance product as lease purchase, but is essentially the same as "hire purchase". Essentially, it is understood that there is a clear intention of the lessee to buy & own the asset at the end of the leasing term.

  • Operating Lease

    Ideal for high maintenance assets or those assets that quickly become obsolete. These are normally open ended leasing arrangements, whereby the lessee can choose to upgrade or walk away at the end of any agreed minimum term.

  • Residual Value or Balloon Lease

    Monthly rentals are kept low by agreeing a large final payment to purchase the equipment at the end of the leasing term. This could be the leasing choice where the requirement is to access the maximum amount or highest specification of assets.

  • Sale and Leaseback

    A lessor is able to consider purchasing and leasing back assets a business already owns to raise capital for other purposes via a sale and leaseback finance facility. The leasing lender will offer finance against the market value of any equipment or machinery offered, therefore any asset offered must have a solid residual value.

  • Contract Hire

    Mainly used for company vehicles and is equivalent to a long term rental with a range of mix and match options available, for instance you could include all maintenance within the monthly rental costs.

    • Now you know the leasing options, if you want to proceed, why not contact the leasing specialists AYC Financial now.


Tags:-