Anglo Scottish Asset Finance are independent finance providers. We can offer an alternative to high street banks which often lack the flexibility to provide a viable funding solution to most business users needs.

Why Use Anglo Scottish Finance?

Using an independent finance broker can make a big difference to how well you are able to understand and meet your financial objectives in areas of finance. Trying to arrange these types of products yourself would be difficult and time consuming. You may not have the time, knowledge or patience to keep up with fluctuating markets and rapidly changing financial products. Anglo Scottish can get you the best rate currently available in the market place.

Asset Finance

With options including Hire Purchase, Contract Hire, Finance Lease and Operating Lease we will work with various funders to find the best finance package for you and your business at the lowest rate in the market place.

Typical Asset

• Cars
• LCV’s & HGV’s
• Bus and Coach
• Printing Equipment
• Construction Plant
• Manufacturing Machinery
• Engineering Equipment
• IT Hardware and Software
• Telecoms

Refinance

We are also able to refinance your existing assets, why struggle with your bank or factoring company, make your assets work harder for you, and use them to raise additional cash for your working capital. We have a number of funders who specialise in refinance packages.

Factoring, Invoice Discounting & Commercial Mortgages

This can offer many benefits to your business. Many companies use it to reduce the overheads of their own accounts department. Others use it to generate cash, which can be used to expand their business, increase distribution, or simply relieve short-term creditor pressure.

We offer a flexible matrix of solutions to suit all your business needs:

• Grow a business
• Finance a start-up
• Reduce risk from bad debt
• Improve your cash flow
• Recover cash from unpaid invoices
• Finance an MBO
• Move your existing facility

Q&A

How much deposit do I need?

Deals can be tailored. No deposit deals, VAT deferrals and payment holidays can all be incorporated to suit your cash flow.

I have a poor credit history?

We have a wide panel of funders that will look at every case on an individual basis and on its own merits. If supporting information is provided a poor credit history is not a problem.

Should I go Hire Purchase or Finance Lease?

With Hire Purchase the asset is yours at the end of the agreement and you have greater flexibility in your repayments. Payment holidays can be build in for easy budgeting and fixed or variable interest options are available.

Tax advantages

–normally you can claim writing-down allowances and repayment interest may be offset against profits and the VAT is usually reclaimable (special rules apply to cars).

With Finance Lease you have lower up front costs

–for just a small outlay, you can use the assets immediately. Flexible repayment structure, rental payments can be tailored to match your cash flow.

Tax advantages

–VAT is payable on the rentals, not the purchase price, while payments can normally be offset against taxable profit (special rules apply to cars).

At the end of this commercial leasing agreement, the relevant assets are sold and you receive the major share of the proceeds. As the asset owner, we claim the available writing-down allowances and reflect this in your monthly payments.

For further information about any of our products please contact Paul Sargent on 0845 111 1070 or email paul@angloscottishfinance.co.uk

Please click here to download our company brochure in PDF format.

“Excellent service,
very fast and efficient.
Highly recommended”

Steve Carr, Titanium Software
Newcastle Upon Tyne