Asset finance explained
At Whitewater Finance we pride ourselves on being finance experts. We have access to a large panel of lenders to find the best deal for you.
We have extensive experience in many other industries including:
- Haulage – Tractor Units and Trailers
- Arboriculture Equipment – Access Platforms, Chippers and Stump Grinders
- Plant Machinery – Excavators, Dump trucks, Rollers, Cranes and Forklifts
- CNC Machinery
- Brewing Equipment
- Commercial Vehicles – Vans and Pickups
- Groundcare Equipment – Mowers, Aeration Machinery,
Golf Buggies and ATV’s
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Hire Purchase
- Full invoice amount is financed
- Fixed rate and structured repayments
- Flexible deposit and repayments to suit your cashflow
- Customer owns the equipment on completion
- Appears on balance sheet and capital allowances are claimed
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Finance Lease
- Full invoice amount is financed
- Use of the asset throughout its useful working life without risk of ownership
- Fixed rate and structured repayments
- Minimal initial financial outlay and repayments to suit your cashflow
- Cashflow eased as VAT is payable on the rentals
- Customer has options of extending the lease, or to sell it and retain most of the proceeds
- Appears on balance sheet and payments are 100% tax allowable
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Operating Lease
- For high value or specialist equipment
- Customer has use of the equipment for the period of hire required
- Rentals can be tailored to match the income generated by the asset itself
- Residual value that reduces your rentals
- Maintenance can be included in the rental costs
- Customer has options of extending the lease, or returning the asset
- Asset shows ‘off balance sheet’
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Loan
- Fixed rate and structured repayments
- Repayments to suit your cashflow
- Customer owns the asset outright from the beginning
- Not secured on the asset
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Contract Hire
- Cost effective way to fund a single vehicle or a fleet
- Fixed monthly rentals to meet specific requirements over mileage and terms required
- Reduced operational risk
- Optional maintenance
- Vehicles show as ‘off balance sheet’
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Refinance
- Release the cash value of your equipment and still use them
- Suitable for many asset types within age and condition criteria
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