An operating lease lets you benefit from an asset whilst we take the risk of it losing its value or becoming obsolete. You get full use of the asset for as long as you need it.

• Rental and return conditions are fixed at the outset
• We take the risk in the resale value of the asset for you
• Improved cashflow and tax-efficient payments

How does an operating lease work?

If you need a new piece of equipment or plant to fulfil a particular order, an operating lease could give you the finance you need. Operating leases improve your cashflow immediately and streamline your finances by matching rental payments to your income.

You use the asset for as long as you need it. Then, at the end of the operating lease, we keep the asset or you can extend the agreement if you need to. An operating lease can have significant tax and financial advantages compared with alternatives such as hire purchase or a business loan.

Is an operating lease right for you?

An operating lease is ideal for any type of business that needs to use a piece of machinery, plant or equipment for a specific length of time.

Find out more about our products and services and contact us on 01342 301784 or email us.

Finance leasing is a flexible, tax-efficient way for your business to acquire the assets it needs without depleting cash reserves, and you may realise some value at the end of the term.

• Financing for up to 100% of the purchase price (excluding VAT)
• Offers the option to carry on renting the asset for a nominal sum OR to sell it and retain most of the cash proceeds when the term ends.
• VAT is payable on the rentals, not the purchase of the asset helping to improve your cashflow
• Payment structures range from 2 to 7 years
• Rental payments are 100% tax deductible

How a finance lease works.

We retain ownership of the assets purchased. At the end of the lease term you can carry on renting the asset for a nominal annual sum or sell it and keep most of the cash proceeds. You can use finance leasing for a wide range of business assets, from information technology and communications hardware to manufacturing plant and machinery, and fixtures/fittings.

With a finance lease you enjoy fixed rate funding as well as a payment structure that can be matched to your cashflow to ease budgeting. The funding is on balance sheet.

Is finance leasing right for you?

A finance lease can be suitable for businesses of all sizes, and all types of assets. Finance leasing allows you to acquire the essential goods that you need to run your business efficiently without reducing your cash reserves. You benefit because the asset is generating income as you pay for it.

Find out more about our products and services and contact us on 01342 301784 or email us.

Hire purchase can give you the best of both worlds. You get the asset straight away but you can spread the payments over the life of the asset, and you can keep it at the end of the term for a nominal fee.

• With hire purchase we can finance up to 100% of the purchase price.
• Payment structure is agreed at the outset for easy budgeting.
• With hire purchase you can buy the asset for a nominal fee at the end of the term.
• Repayments can be matched to your cashflow and the depreciation of the asset.
• You can claim immediate capital allowances on the equipment.
• The interest element of the payments is tax deductible.
• VAT is immediately recoverable on the whole purchase price.

How does hire purchase work?

Hire purchase is a way to buy the assets you need without depleting your cash reserves. It is flexible and tax efficient and can be used to buy anything from IT to plant and machinery. Hire purchase also gives you ownership title, making it suitable if you want to purchase something you want to keep or eventually sell.

Hire purchase is a tax-efficient way to buy assets as the interest on the payments is tax deductible and capital allowances on the equipment can be claimed immediately.

Is hire purchase right for you?

Hire purchase is suitable for businesses of all sizes. Funding is on balance sheet.

Find out more about our products and services and contact us on 01342 301784 or email us.

Sale and leaseback is a flexible, tax-efficient way for your business to unlock the capital already invested in equipment, machinery, commercial vehicles and property. You can also use the fresh injection of working capital to fund expansion plans and stimulate further growth and development. Cash advances range from £20,000 to £7m with repayment terms of 3 months up to 7 years.

• Financing for up to 100% of the value (excluding VAT)
• Offers the option for you to carry on renting the asset for a nominal sum OR to sell it and retain most of the cash proceeds when the term ends.
• VAT payable on the rentals, not the asset.
• There is normally no need for additional security as the finance is usually secured on the asset.

How does sale and leaseback work?

We purchase the assets from you and settle your invoice to us for the full value. We retain ownership of the assets, but you can sell them on our behalf at the end of the term and keep most of the proceeds.

With sale and leaseback you can have fixed rate funding as well as a payment structure that can be matched to your cash flow patterns to ease budgeting. The funding is on balance sheet.

Is sale and leaseback right for you?

Sale and leaseback can be suitable for businesses of all sizes, and all types of assets. Releasing cash locked in your depreciating assets helps the stability of your business. For example, you can use the funds to ensure swift recovery from bad debt or financing balloon payments on existing loans. The capital released can be used to repay bank overdrafts or reduce monthly payments on existing hire purchase or lease agreements.

Find out more about our products and services and contact us on 01342 301784 or email us.

Sales aid leasing allows you to offer your customers a finance option which, if you’re not making available, probably means that you’re losing valuable sales opportunities. Apex Finance provides finance and leasing solutions for customers wishing to invest in your products and services, providing you with a real competitive advantage. It is a proven sales aid that helps to overcome the price objections and allows you to focus on the sale.

Whatever the size or complexity of the deal we will find a tailored solution so that your organisation can achieve:

• Increased orders
• Increased margins on sales
• Improved cashflow
• Improved customer solutions & retention

How sales aid leasing works

Using Apex Finance’s expertise, you offer the customer the finance option that’s right for them.

It is a flexible alternative to paying by cash that has distinct advantages for both you the vendor and your customers.

Is sales aid leasing right for you?

If you supply goods or services, sales aid leasing and finance is suitable for you. If you already offer finance but find that your current leasing company doesn’t give you the support you want – have a look at becoming an Apex Finance Business Partner, we’ve got some great ideas to make your life much easier.

Find out more about our products and services and contact us on 01342 301784 or email us.

Receivables finance allows service providers to raise cash against future revenues on service contracts.

• Improves cashflow
• Facilitates project implementation
• Enables extended and deferred payment terms aiding procurement of contracts
• Increases orders
• Allows for further expansion or acquisition

How does receivables finance work?

Receivables finance is available on contracts over a period of up to 7 years. Apex Finance ia able to provide highly flexible payment terms with any qualifying contract.

The service provider will receive full payment for the total value of the contract upon their client signing.

Is receivables finance right for you?

This is particularly suitable for suppliers to the corporate and public sectors, especially where there may be large initial investment costs during the early period of the contract. Apex Finance has tailored contracts for many suppliers to NHS Trusts, local governments, telecoms, plc’s and software plc’s to name but a few.

Find out more about our products and services and contact us on 01342 301784 or email us.

Apex Finance offers extensive expertise in providing commercial mortgages.

As a specialist lender, our expertise and comprehensive product range means we can arrange commercial mortgages for many business circumstances including :

• Working capital
• New start-ups
• MBOs/MBIs
• Company takeovers
• Businesses with CCJs, poor accounts or other adverse credit situations that most high street lenders would shy away from, often referred to as “sub-prime” proposals.

How do commercial mortgages work?

Commercial mortgages are loans that are secured on commercial property such as shops, business premises, warehouses, factories, workshops, garages, hospitals and schools. As with a residential mortgage the commercial lender will hold the title deeds to the property as security.

Are commercial mortgages right for you?

If you’re an owner-occupier, a landlord, an investment company or UK pension fund trustee looking to purchase or refinance a commercial property, we can help.

Find out more about our products and services and call Apex Finance on 01342 301784 or email us.

Invoice discounting allows you to use the money tied up in your sales ledger whilst you stay in control of your client relationships

• You can release up to 95% of the value of your invoices within 24 hours of an invoice being raised
• Completely confidential – your clients don’t know we’re involved
• Eases your cashflow for working capital and business growth
• You get more funds than are usually available from a traditional overdraft
• Online access to key data helps you manage your cashflow
• Bad debt protection available.

How does invoice discounting work?

Invoice discounting is similar to factoring, except you retain control of your sales ledger and responsibility for collecting outstanding invoices. Your clients will not be aware of this arrangement.

Typically, with invoice discounting you can get up to 95% of the value of approved invoices, in sterling or euros, within 24 hours of an invoice being raised if required.

Is invoice discounting right for you?

Ideally, you’ll be forecasting credit sales of at least £1m, minimum net worth of £50,000 and a good spread of debtors. You’ll be selling goods or services on normal credit terms, in sterling or euros, with no stage payments or contractual sales. Invoice discounting is suitable for a wide range of businesses invoicing on credit terms, including:

• Distributors
• Manufacturers and wholesalers
• Business Services
• Retailing

Find out more about our products and services and contact us on 01342 301784 or email us.

Stock finance can be used to free up some of the cash that’s tied up in your inventory, designed for businesses carrying large amount of stock.

• Possible funding up to 80% of eligible stock
• Runs alongside receivables finance facilities
• A revolving, flexible, medium-term funding facility
• Releases cash normally unavailable for working capital

How does stock finance work?

Stock finance can give you the working capital you need to grow your business and stay one step ahead. We tailor our service to meet the needs of your business, but we can usually advance you cash up to the value of 80% of the eligible stock you’re carrying.

Is stock finance right for you?

If you have a turnover in excess of £3 million and you operate in one of these sectors, stock finance could be suitable for you:

• Distributors
• Manufacturers and wholesalers
• Commodities
• Retailing

Find out more about our products and services and contact us on 01342 301784 or email us.

If you’ve got lots of cash tied up in your sales ledger, factoring can give you fast, flexible access to it. Factoring can be used to fund growth or give your business the working capital you need.

 

• Factoring can release up to 95% of the value of your invoices within 24 hours of an invoice being raised
• Debt recovery litigation services available if required
• We run your sales ledger and credit management
• With factoring you get more funds than are usually available from a traditional business overdraft
• Online access to key data to help you manage your cashflow
• Bad debt protection available

How does factoring work?

We handle the collection of invoices on your behalf and help with the management of your sales ledger. With factoring you receive up to 95% of the value of approved invoices within 24 hours of an invoice being raised and on payment of the invoice, we release the outstanding amount.

Is factoring right for you?

Ideally you’ll be forecasting credit sales of at least £100,000 per year with a good spread of debtors (minimum 5) to benefit from this factoring service. You’ll be selling goods or services on normal credit terms, in sterling or euros, with no stage payments or contractual sales. Factoring is suitable for a wide range of businesses invoicing on credit terms, including:

• Distributors
• Manufacturers and wholesalers
• Business Services
• Retailing

Import and export factoring

We also offer import and export factoring, a similar service but based on overseas sales.

Find out more about our products and services and contact us on 01342 301784 or email us.