Hire Purchase
Key Features


  • Popular and traditional method of funding for business assets

  • Able to fund assets such as HGV, Agriculture, Plant, cars, ancillary equipment & commercial vehicles.

  • Fixed and variable rate pricing available

  • Non-regulated and regulated agreements

  • The customer will ultimately own the asset on completion of payments

  • Asset is treated as ‘on’ balance sheet for the customer

  • The customer typically pays the VAT upfront as part of the overall deposit  and therefore no VAT is charged on the repayments

  • VAT can be deferred up to a maximum of 3 months

  • The customer claims the tax capital allowances (writing down allowance)

  • The interest element of the customers repayments are usually an allowable expense against taxable profits

Key Benefits

  • Alternative source to bank finance

  • Fixed rate funding method allows the cost of the asset to be spread over an agreed period therefore providing cash flow benefits

  • Facility cannot be withdrawn provided payments are made – unlike other sources of funding e.g. overdrafts

  • Allows the customer to reduce their tax liabilities if they can fully utilise the allowances available

  • Variable rate funding available tracking the latest interest rates



Finance Lease
Key Features


  • Payments spread over the period of the agreement

  • Fixed rate pricing only

  • Non-regulated and regulated agreements

  • Able to fund other assets such as cars, ancillary equipment and commercial trucks

  • The customer treats the asset as ‘on’ balance sheet

  • Rentals are calculated on the cost of the asset, exclusive of VAT

  • The rentals payable attract VAT (recoverable by VAT registered companies)

  • Reduced disposal or depreciation concerns

  • Customer rentals are normally off set against taxable profit

Key Benefits

  • The customer does not have to pay the VAT upfront

  • For companies that cannot take full or immediate benefit of the tax capital allowances (writing down allowances) a finance lease reflects the cash flow benefits in reduced rentals (which are tax deductible)

  • Allows the customer to retain the majority of the sales proceeds on disposal

  • Allows the customer continued use after the primary period by paying a secondary period rental






Key Features


  • Re-finance a single or a fleet of vehicles

  • Fixed rate pricing only

  • A majority of vehicles value can be advanced

  • Sale & Hire Purchase back option (see key features of Hire Purchase)

  • Sale & Lease back option (see key features of Finance Lease)

  • Loan & Chattel mortgage option

  • Ability to finance vehicles which are already financed with another funder

Key Benefits

  • Provides a cash injection by releasing the equity in your vehicle or fleet

  • Removes reliance on banking facilities

  • Can aid the long term stability of the business

  • Accurate valuation of vehicles obtained for accounting purposes

  • Reduces annual bank overdraft facility fees







Contract Hire
Through an associated partner we can quote comprehensive packages covering both cars and vans

Key Features


  • Both personal and business car finance options available

  • Includes any make and model of vehicle

  • Fixed monthly payments

  • Option to include all maintenance and servicing costs

  • Lower monthly repayments compared to alternative finance options as a residual value is built in

  • Rentals are normally off set against taxable profit

Key Benefits

  • Fixed cost vehicle provisions and maintenance enabling customers to budget accurately

  • Reduces residual value and disposal concerns

  • Minimises initial financial outlay

  • Improves customers financial ratios as is accounted as ‘off balance sheet’



Business Loans
Key Features


  • Loans for any purpose

  • Loans from £5,000 to £150,000 unsecured. Directors Personal Guarantee required

  • From £100,000 to £1,000,000 Secured i.e Company Debenture, second charge lending

  • Loans can be arranged against asset purchases from £20,000 to £1,000,000 – no deposit required, VAT funded

  • Interest Rates Average 7.6 – 8%

  • Fixed Rate, monthly repayment loans from 6 months to 5 years

  • No Up-Front Application Fees or Early Repayment charges

  • Minimum turnover £100k per annum and must be a UK resident director

Key Benefits

  • Totally independent from business banking, giving total flexibility to run your own business effectively

  • Fixed rate funding method allows the cost to be spread over an agreed period therefore providing cash flow benefits

  • Funds generally available to successful applicants within 7 days





Invoice Factoring
Key Features


  • Provides an immediate injection of cash against the value of outstanding invoices

  • Goods are delivered or services provided to the end customer

  • The customer is invoiced and a copy of the invoice is sent to the factoring provider

  • A pre-agreed percentage value of the invoice is advanced (typically between 70% and 90%)

  • Cash advances are released very quickly normally next day

  • The outstanding debt is collected from the end customer by the factoring provider and the remaining balance is paid to the business

  • This is a source of finance which does not involve borrowing

Key Benefits

  • Immediate cash injection – money is released as soon as an invoice is raised, so no waiting for 60 days or more for payment

  • Improved cash flow - companies can tender for new business and start work on new orders without delay, as well as being able to settle own bills promptly

  • Ongoing working capital – factoring allows financial flexibility as the funds that can be accessed grow in line with sales

  • Time saving - factoring frees up valuable management time by providing a cost effective way of outsourcing sales ledger management and collections

  • Peace of mind through protection from bad debts - with additional credit insurance the business will still get paid, even if the customer becomes insolvent


HGV Finance

Truck Finance

Agricultural Finance

Plant Finance

Machinery Finance

Coach Finance

Commercial Vehicle Finance

Business Loans

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Landmark Finance Limited are an independent asset finance broker. As a broker we can introduce you to a wide range of finance companies based on your companies requirements and circumstances. Landmark Finance Limited may receive a fee from the finance provider when entering into an agreement.

Landmark Finance Limited are authorised & regulated by the Financial Conduct Authority – Firm number – 719739.
Registered office: Suite 1, Affinity House, 1 Station View, Hazel Grove, Stockport, SK7 5ER.
Registration No. 06646214

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