This document provides an overview of asset finance as a way for businesses to fund expensive equipment and machinery purchases without paying the full cash cost upfront. It notes that 60% of UK small and medium businesses use asset finance for investments. Asset finance involves lending that is secured against the assets being acquired, such as vehicles, manufacturing equipment, IT equipment, and more. There are two main types of asset finance agreements: lease finance and hire purchase. Lease finance allows flexibility while hire purchase involves making payments until ownership transfers to the business. Asset finance offers benefits like regular repayment schedules and flexible underwriting terms.

1. A G U I D E T O
A S S E T F I N A N C E

2. Payingcashupfrontfor
costlyequipmentand
machinerycansapmuch
neededbusinesscapital

3. Payingcashupfrontfor
costlyequipmentand
machinerycansapmuch
neededbusinesscapital

4. Payingcashupfrontfor
costlyequipmentand
machinerycansapmuch
neededbusinesscapital

5. Payingcashupfrontfor
costlyequipmentand
machinerycansapmuch
neededbusinesscapital

6. Payingcashupfrontfor
costlyequipmentand
machinerycansapmuch
neededbusinesscapital

7. 6 0 % o f U K s m a l l a n d
m e d i u m s i z e d b u s i n e s s e s
u s e a s s e t f i n a n c e t o
f u n d i n v e s t m e n t s

8. 6 0 % o f U K s m a l l a n d
m e d i u m s i z e d b u s i n e s s e s
u s e a s s e t f i n a n c e t o
f u n d i n v e s t m e n t s

9. AssetFinanceislending
securedontheunderlying
assetsbeingacquired
HGV'S
PLANT AND
MACHINERY
AGRICULTURAL
EQUIPMENT
IT
EQUIPMENT
MATERIAL
S
HANDLIN
G
EQUIPME
NT

10. AssetFinanceislending
securedontheunderlying
assetsbeingacquired
Assetsyoucantypically
acquirewithassetfinance
HGV'S
PLANT AND
MACHINERY
AGRICULTURAL
EQUIPMENT
IT
EQUIPMENT
MATERIAL
S
HANDLIN
G
EQUIPME
NT

11. AssetFinanceislending
securedontheunderlying
assetsbeingacquired
Assetsyoucantypically
acquirewithassetfinance
HGV'S
PLANT AND
MACHINERY
AGRICULTURAL
EQUIPMENT
IT EQUIPMENT
MATERIALS
HANDLING
EQUIPMENT
CONSTRUCTION
EQUIPMENT

12. AssetFinanceislending
securedontheunderlying
assetsbeingacquired
Assetsyoucantypically
acquirewithassetfinance
HGV'S
PLANT AND
MACHINERY
AGRICULTURAL
EQUIPMENT
IT EQUIPMENT
MATERIALS
HANDLING
EQUIPMENT
CONSTRUCTION
EQUIPMENT

13. AssetFinanceislending
securedontheunderlying
assetsbeingacquired
Assetsyoucantypically
acquirewithassetfinance
HGV'S
PLANT AND
MACHINERY
AGRICULTURAL
EQUIPMENT
IT EQUIPMENT
MATERIALS
HANDLING
EQUIPMENT
CONSTRUCTION
EQUIPMENT

14. AssetFinanceislending
securedontheunderlying
assetsbeingacquired
Assetsyoucantypically
acquirewithassetfinance
HGV'S
PLANT AND
MACHINERY
AGRICULTURAL
EQUIPMENT
IT EQUIPMENT
MATERIALS
HANDLING
EQUIPMENT
CONSTRUCTION
EQUIPMENT

15. Simpleregularrepayments

16. Simpleregularrepaymentsforeasybudgeting

17. Flexibility

18. Flexibility
You choose how
the finance is
structured

19. There are two
forms of asset
finance

20. There are two
forms of asset
finance
LEASE
FINANCE

21. There are two
forms of asset
finance
LEASE
FINANCE
HIRE
PURCHASE

22. There are two
forms of asset
finance
LEASE
FINANCE
HIRE
PURCHASE
VAT differences
apply

23. HIRE PURCHASE
A s i m p l e w e l l - e s t a b l i s h e d w a y t o f i n a n c e t h e
a c q u i s i t i o n o f e q u i p m e n t a n d m a c h i n e r y f o r
y o u r b u s i n e s s

24. LEASE FINANCE
A f i n a n c e l e a s e h e l p s y o u k e e p y o u r o p t i o n s
o p e n w h e n y o u a c q u i r e a n a s s e t , b y n o t
c o m m i t t i n g y o u r s e l f t o o w n e r s h i p

25. We buy the asset on your
behalf and own it

26. until you have made the
final payment

27. when ownership transfers
to you.

28. Highacceptancerates
Flexibleunderwritinglookedatbyaperson,notacomputer

29. Connectwithus
C U L T U R E . U K | H I @ C U L T U R E . U KS E V E N

30. C S G C A P I T A L . C O . U K