1. COMMERCIAL
FUNDING FOR
YOUR CUSTOMERS

2. Presentation
Chris Barker , Renewables & Energy Efficiency Advisor
Sean Clarke, New Business Support Coordinator
Before you
leap into
finance speak
to Clear…

3. Staying Ahead Of Your Competitors
Leading
with Leasing
Cash &
Leasing
Cash only

4. How Leading With Leasing Enhances Your Sales
An understanding of how the process of
selling through leasing can allow you to
increase your sales conversion rate and
plan ahead for future sales cycles.
Be ahead of
your
Protect your competition.
customer base Large
and create companies are
Guarantee your repeat
income, and moving to
business, your leasing in this
increase your customer is
cash flow. You sector, benefit
Increase your signed up to you. from being an
get paid the full Provides
order values, early adopter
100% of your opportunity to
maximise your
invoice value revisit and sell
profit thru
immediately upgrade or extra
upselling
upon installation equipment
Overcome
customer
budget
restrictions
and price
objections

5. How Would A Customer Benefit From Leasing?
 Customer enjoys a return on their investment immediately – they can purchase
now, their business enjoying the benefits now. The benefits sometimes outweigh
the costs of the scheduled repayments, producing a positive cash flow. With
cash, they have to wait often years until the investment reaches the break-even
point. Why make them wait!
 Customers pay gradually in instalments – retain liquidity in their business, so
they can gain interest, or invest in their core business
 Customers can afford to do additional projects, either now or during the lease
term, because you’ve spread their costs
 Their investment is future-proofed – customers can upgrade to new higher-
efficiency/profit equipment whenever they want. Customer is not investing in a
depreciating asset.
 Lower ‘sign-off’ levels for the customer, empowers decision making at lower
management, speeds up decisions
 Tax advantages – customer enjoys writing down allowances on each payment
(see diagrams)

6. The Disadvantage Of Paying With Cash
The chart shows the issue with
paying through cash- it
removes core funds from the
business which could be Paying by Cash - return from RET / EE
invested elsewhere, AND it Investment
requires a period of time £15,000
before the capital is repaid and
£10,000
the customer can enjoy a
return on there initial £5,000 Break-even
Balance of return on investment(£)
Period of negative return point – a
investment.
£0 wait of over
1 5 9 13 17 21 25 29 33 2 years
Paying through leasing results -£5,000
in an immediate return on the -£10,000
Up front cash
customers investment expenditure of
as, where possible, the rental -£15,000 £28,700 on
investment
will be aligned to the savings -£20,000
made.
-£25,000
-£30,000
No. of months following up-front cash purchase

7. The Advantage Of Leasing
The chart shows the monthly
[in this example] benefit of
paying through leasing. The Cash Positive Gains from EE
customer receives a ROCE from £1,162
Investment
the funds that remain in the monthly
£1,400.00
business, and also realises a savings, mo
nthly lease
cash positive gain each month. Leasing can
payments £1,200.00
Come the end of the lease of £1,008 = produce
agreement, the savings are Net £1,000.00 immediate return Lease
accelerated as all savings are Monthly on investment payments
realised by the customer. Cash Gain £800.00 (paying by cash
of £154 complete
does not!) d after 36
£600.00
months.
positive gains (£)
Monthly Cash
£400.00
£200.00
£0.00
1 5 9 13 17 21 25 29 33 37
Monthly repayment schedule (3years)

8. Leasing provides the customer with 100% tax allowances on every lease payment.
E.g. On a £1000 monthly lease payment, if a company pays 25% corporation tax on
its profits, it will receive £250 back in the form of tax-not-paid. This makes the real
value of the lease payment only £750
£1,400.00
£1,200.00
£1,000.00
£800.00
positive gains (£)
£600.00
Monthly Cash
£400.00
Tax relief
£200.00
Cash positive gains thru savings
£0.00
1 5 9 13 17 21 25 29 33 37
Monthly repayment schedule

9. Tax allowances bring huge benefits!
Hence, the approximately £250 a month tax benefit amounts to £000’s extra revenue
income over the period.
£12,000
Balance of income from investment(£)
£10,000
£8,000
£6,000
£4,000
£2,000
£0
1 5 9 13 17 21 25 29 33 37
No. of Monthly repayments

10. ‘Lead With Leasing’ Integration Process
4) Dedicated, experienced, qualified EE
support staff. Clear informs & negotiates with
funders, 24hr access to our system and your (4) Clear
deals, can liaise with customers if requested. Support
3) Free sales staff training programme, full (3) Train &
Incentivize
Sprint training, empower Sales team with Sales Staff
tools, skills & knowledge to give ability to
increase sales
(2) Integrate
tools
2) Clear Partner webpage – Lease Quotation
Letters, demonstrate cash-positive
payments, Mobile App, integrated reports
(1)
1) With full management buy-in into Leading Management
Commitment
With leasing, you reap the full benefits from
your sales staff

11. The Process Flow
Credit Clear Sprint app and
clearance proposal partner webpage
Multiple You the
Clear
Funders supplier

12. Our Innovative Mobile Application
With our newly developed mobile
application, you are able to
provide on the spot quotations to
the customer. We will incorporate
your rates into the
application, allowing you to be
confident that the indicative rates
Return to saved The ability to upload new
provided are as accurate as quotation, allowing you to quotes, view saved quotes or
possible [subject to credit amend, send the quote to view quotes that you have
clearance]. You can then view the customer or to upload to already uploaded.
saved or uploaded quotes, make the team at Clear Asset
Finance.
amendments, send the quote
direct to the customer etc.
We have worked hard to make
sure the application is supported
by many operating systems, and
you can be assured in knowing
that the most popular devices are
supported [Android, Windows Simply select the technology You are able to manipulate
you wish to supply, along the term and payment
desktop, iPad, iPod, iPhone etc.]. with a short description of frequency, allowing you to
the model etc. adjust the rental based on
your customers budget.

13. Making Each Quotation Personal
We want you to be as
prepared and confident as
possible when proposing a
lease option to the
customer. Further to the
above tools, we will provide
a bespoke and personalised
lease quotation
letter, outlining the benefits
of leasing and
diagrammatically portraying
the benefits of leasing as
opposed to a cash purchase.
The feedback we have
received is that this is a very
useful tool and allows the
customer to visually see the
benefits of leasing.

14. Additional Benefits Of Leasing;
 Customers pay gradually in instalments, retaining liquidity in their
business, so they can gain interest, or invest in their core business
 Customers can afford to do additional projects, either now or during the
lease term, because you’ve spread their costs
 Their investment is future-proofed – customers can upgrade to new
higher-efficiency/profit equipment whenever they want
 Lower ‘sign-off’ levels for the customer, empowers decision making at
lower management, speeds up decisions
 Tax advantages – customer enjoys writing down allowances on each
payment

15. Sales Support
Imbedding Finance Into Your Sales Strategy
We understand that in order to for finance to be successful in
your sales strategy, you require a first class sales support
service.
We are continually developing and creating sales aid tools that
will help you overcome objections and budget restrictions. We
have a dedicated ‘green’ division who are focussed solely on
supporting you to convert sales through the use of finance.

16. Clear Asset Finance- An Overview
 4 Directors’ collective 60 years leasing experience
 Industry knowledge and experience - Masters-level ‘green energy and
energy efficiency’ qualified, background in leasing and in implementing
green building standards tools with the Green Building Council
 A wide range of over 20 banks/lenders experienced in funding ‘green’
projects –and at competitive rates
 More flexible and efficient credit rating assessment than CT/Siemens and
Salix for your customers
 Credit decision often within 4 hours for leases
 Electronic Data Interface between you, Clear and the funder – secure and
efficient process
 Innovative sales-aid tools
Should you have any feedback, ideas or general queries, please just get in
touch.