Asset finance is a financial product business use to purchase the equipment (or assets) they need to grow. This involves paying an arranged fee to use the asset over an extended period of time.

By using asset finance you avoid the cost of purchasing the asset up front. This allows you to extract the value of the asset, use it in your business and perhaps make a profit from it. Your monthly fee to use the asset is typically lower than the profit or the value the asset provides your business with.

This depends on a number of different things, such as the asset you’re looking to purchase, the purpose of the asset and if you want the asset to appear on your balance sheet. As such, it is recommended that you call us today and we can assess your situation, then recommend what type of asset finance.

Yes, as finance is viewed as an operational expense it can be used to lower your tax. By using asset finance you also provide your business with a greater return on capital employed value (ROCE).

We treat your business like it’s an individual person, with unique characteristics and needs. We look to understand your business strategy and what finance product is best suited to help you fulfill your goals. Sometimes you may have a finance product in mind, but through consultation with Financial Brokers, you may find a different or even a blended finance product would suit you best. Lastly, because we’re an independent we can remain unbiased to any one product. Meaning, we will always prescribe a finance product which is best for you and your businesses needs.

Once approved for finance you or your vendor can receive funds within days.

No, simply when approving you for asset finance we look at your balance sheet and use this to base our decisions for approval.

We treat your business like it’s an individual person, with unique characteristics and needs. We look to understand your business strategy and what finance product is best suited to help you fulfill your goals. Sometimes you may have a finance product in mind, but through consultation with Financial Brokers, you may find a different or even a blended finance product would suit you best. Lastly, because we’re an independent we can remain unbiased to any one product. Meaning, we will always prescribe a finance product which is best for you and your businesses needs.

Once approved for finance you can receive funds within days.

Bespoke finance is a product built around your businesses needs. Typically when shopping for a finance product you’re given an inflexible product. This may have terms which are unsuitable for your businesses long term plans. Instead, we take a fresh approach and create terms that simply work for your business.

No, simply when approving you for finance we look at your balance sheet and use this to base our decisions for approval

We treat your business like it’s an individual person, with unique characteristics and needs. We look to understand your business strategy and what finance product is best suited to help you fulfill your goals. Sometimes you may have a finance product in mind, but through consultation with Financial Brokers, you may find a different or even a blended finance product would suit you best. Lastly, because we’re an independent we can remain unbiased to any one product. Meaning, we will always prescribe a finance product which is best for you and your businesses needs.

Once approved for finance you or your vendor can receive funds within days.

No, simply when approving you for asset finance we look at your balance sheet and use this to base our decisions for approval.

No, you will only be charged for when you use your overdraft and for the time period you need the extra cash. Simply put, if you never used your overdraft, it would not cost you a single penny.

You can start today by calling up one of our consultants who will assess your situation. During the phone call, we will need an understanding of your financial history before we can take your application further. Once we’ve approved you for an overdraft we will then look to arrange your facility for you within the week.

We treat your business like it’s an individual person, with unique characteristics and needs. We look to understand your business strategy and what finance product is best suited to help you fulfill your goals. Sometimes you may have a finance product in mind, but through consultation with Financial Brokers, you may find a different or even a blended finance product would suit you best. Lastly, because we’re an independent we can remain unbiased to any one product. Meaning, we will always prescribe a finance product which is best for you and your businesses needs.

Key person protection will insure against the financial losses should a key employee or director dies, or becomes seriously ill. This pays out a lump sum providing your business with the funds it needs to keep on growing

Should a business owner take out any finance, such as a business loan, a mortgage or a directors loan. Then becomes ill, or dies. Business loan protection pays off the businesses outstanding debts.

Share protection purchase allows all remaining shareholders to purchase the shares from existing shareholders, who may have been struck by a terminal illness or death.

Partnership protection is used should a business owner wish to purchase the shares of an existing partner, should they fall ill or die. While the business or other partner doesn’t have the available funds to buy said shares.

Invoice finance is either a short term or ongoing facility where we pay you for your unpaid invoices up front. We will then collect the full value of your invoice once it has been paid to you by your supply chain.

Invoice finance is a great way to boost your own cash flow, without necessarily taking on more debt. Invoice finance also helps reduce your debtor days substantially.

We treat your business like it’s an individual person, with unique characteristics and needs. We look to understand your business strategy and what finance product is best suited to help you fulfill your goals. Sometimes you may have a finance product in mind, but through consultation with Financial Brokers, you may find a different or even a blended finance product would suit you best. Lastly, because we’re an independent we can remain unbiased to any one product. Meaning, we will always prescribe a finance product which is best for you and your businesses needs.

Once approved for finance you can receive funds within days.

No, simply when approving you for finance we look at your balance sheet and use this to base our decisions for approval.

We look to understand what you’re trying to achieve and what insurance product is best suited to help you fulfill your goals. Sometimes you may have an insurance product in mind, but through consultation with Financial Brokers, you may find a different or even a blended insurance product would suit you best. Lastly, because we’re an independent we can remain unbiased to any one product. Meaning, we will always prescribe an insurance product which is best for you and your businesses needs.

Once approved for insurance you can be insured within days

Bespoke insurance is built around your needs. Sometimes an off the shelf insurance product may not be suitable for what you’re trying to achieve. Terms may be too long or too short. You may only want to be insured for some items and not all. On the flip side you may want greater insurance to mitigate even more risk. Therefore we aim to consult and create a bespoke policy that will help you achieve the level of insurance you desire.

Not all the time. As we have 100s of insurance partners we can find many who are happy to look past credit ratings and provide a policy based on a personalised write up, which we can provide.

It is a safety guard should anything out of your control damage your property. Think floods, fires, or break ins. You can just buy building insurance or just contents insurance, but it’s recommended that you get both.

Cover for your personal belongings, gadgets, TVs, furniture etc.

Cover for any damage to the structure of your home.

Call us today with any and all of your questions and we will help find the right policy for you.

Key person protection will insure against the financial losses should a key employee or director dies, or becomes seriously ill. This pays out a lump sum providing your business with the funds it needs to keep on growing

Should a business owner take out any finance, such as a business loan, a mortgage or a directors loan. Then becomes ill, or dies. Business loan protection pays off the businesses outstanding debts.

Share protection purchase allows all remaining shareholders to purchase the shares from existing shareholders, who may have been struck by a terminal illness or death.

Partnership protection is used should a business owner wish to purchase the shares of an existing partner, should they fall ill or die. While the business or other partner doesn’t have the available funds to buy said shares.

Employers liability insurance is an insurance policy you must take out if you have staff. This protects you against compensation claims arising from employees injuries or illnesses.

Public liability insurance is an insurance policy that covers compensation payments and legal costs should a member of the public make a claim against your business.

Asset protection insurance provides your business with cover should any damage incur to your assets, tools or products.

Landlords insurance is designed to cover you against any potential risks which may cause damage to your property or financial losses.

Each policy may differ slightly, but the core components are as follows: Non-payment of rent, damage experienced to property caused by a tenant, rehousing tenants, emergency overnight accommodation for tenants, emergency repairs.

While standard home insurance will just cover your buildings and content.It won’t cover any risks of just renting your property to tenants. At time it is often written into your mortgages T&Cs that you must have contents insurance in place.

Mortgage protection insurance is designed to cover the costs of your mortgage payments in the event of an accident, a sickness or unemployment occurs.

Standard policies cover the monthly cost of your mortgage payment for the period of time you’re unable to work.

Yes, self-employed people can receive mortgage protection insurance.

Personal protection insurance is referring to multiple different policies which seek to protect your income and way of living should anything happen to you. This includes critical illness, income protection and life insurance.

Personal protection insurance covers accidents and sickness only, unemployment only.

Unlike personal protection insurance which pays out monthly to cover your monthly ongoing expenses. Critical illness will pay out a lump sum that's specifically written into your policy should you be unable to work.

Life insurance promises to pay your benefactors a lump sum should you die.

Yes, self-employed are entitled to personal protection insurance.

This is dependent on a number of things. How much or how little cover you’d like, pre-existing conditions, how long you would seek to have cover for. Due to this, we recommend contacting us today to discuss this further. Our consultants will seek to understand your needs and offer free advice on the best policy for your circumstances.

A type of finance available to provide the funding you need for your development plans. This can cover costs for new builds, land, commercial or residential properties, new projects and incomplete projects.

Yes, if you can provide us with enough information about your plans and you have a strong team behind you, we can build you a strong case to take to our funders.

Yes, we have funders which will cater for these types of projects. This allows you the time to acquire the rights to build on the land.

We can still arrange funding for you even if you don’t have the strongest credit rating. We tend to lend against the strength of your team and the development itself.

We can fund a variety of properties from nursing homes, nightclubs, apartments, farms, retail developments and student accommodation to name a few.

A commercial mortgage is a loan secured against your commercial property.

As each property, function of property and business is unique it is impossible to give an accurate answer. However, the industry average is roughly 20%. Should you wish to find out how much equity you may need, we recommend calling us today to speak with a consultant for free.

Typically for most businesses, you can expect full funding within 60 days of submitting your application.

Finance available to provide the funding you need to capitalize on property investments. This type of finance can be pre-approved prior to your search for your next investment, allowing you to act fast with little bureaucracy.

We can still arrange funding for you even if you don’t have the strongest credit rating. We tend to lend against the strength of your team and the development itself

Yes, as we work with a range of international funders, we can help you arrange finance for properties overseas.