Van fleet

Get the equipment you need without impacting your cash position

Asset Finance is an intelligent way to fund the essential items your business needs.  It gives you the flexibility to purchase the equipment you need with affordable repayments, instead of a large upfront cost, helping you to manage your cashflow and grow your business efficiently.

We offer the two most popular types of Asset Finance: 

  • Hire Purchase allows you to own the asset outright at the end of the term
  • Leasing lets you use the latest equipment for a monthly fee without the commitment of ownership

We also enable you to refinance your existing assets, whether you own them outright or they are funded by another provider.

How are we different?

Whether you are new to Asset Finance, or are already using it through another provider, you’ll find our approach refreshingly different to other funders.  We take the time to understand your business and can structure your repayments to reflect your specific needs.  Whether you use Hire Purchase or Leasing, the benefits are the same when you use Bibby Financial Services.  

  • Soft starts with lower initial payments which means you only pay for the asset when it is earning revenue for you
  • Low deposits and deferment of VAT payments to help preserve your cash reserves for other uses

  • Payment holidays to help your cashflow during quieter periods when your equipment is not earning
  • Pre-agreed and guaranteed early settlement charges allowing you to budget for any unexpected changes in your circumstances (such as a contract ending early) and avoid any excessive financial penalties.

Manufacturing machine

Is your business suitable for Asset Finance?

  • Yes: want to spread the cost of buying new equipment
  • Yes: are an established business and can demonstrate that the repayments are affordable
  • Yes: already have assets or need to purchase new ones but need to minimise the impact on your cashflow
  • Yes: If you’d like to structure payments to suit your cashflow

In 2017, £18.6 billion of Asset Finance was provided to SMEs, 12% higher than in 2016, demonstrating that leasing and hire purchase are vital sources of funding for SMEs. Finance and Leasing Association

Assets we can finance

As you would expect we can fund the different types of equipment you need. This ranges from hard assets such as commercial vehicles and construction plant to soft assets including IT hardware and office furniture.  

So if you’re looking for a funder who can take a more intelligent approach to Asset Finance and who considers your long-term goals as well as your current financial needs, you can be confident we can help.

Soft assets: equipment of limited resale value

  • Yes: Office furniture
  • Yes: Commercial kitchens
  • Yes: Audio Visual and IT hardware
  • Yes: Software
  • Yes: Factory equipment

Hard assets: equipment with an easily defined value

  • Yes: Buses and coaches
  • Yes: Commercial vehicles
  • Yes: Construction plant
  • Yes: Machinery
  • Yes: Cars and vans
  • Yes: Printing equipment
  • Yes: Agricultural and forestry equipment

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Speak with one of our team today 0808 196 1692