Car & Van


Our sister company CARMERCIAL Leasing can offer a wide range of finance options for both personal and business vehicles


Any Commercial Vehicle for your business; but that's not all we do!

Our sister company CARMERCIAL Leasing can offer a wide range of finance options for both personal and business vehicles. These include Cars, Vans and Pick-ups to lease or purchase.

Business and Personal Contract Hire would be our most popular products but we also offer Hire Purchase (HP), Personal Contract Purchase (PCP) and Finance Lease to name a few. If you prefer to purchase a vehicle outright, we can facilitate a straight sale at a reduced rate using our fleet discounts.

With access to all of the major funders, UK-wide dealer groups and no ties to any manufacturer; we are able to sources the best deals in the market to suit you or your business.

Check out our website for more information, offers and advice.

Finance products for Commercial & Personal vehicles

Hire Purchase

HP is a secured loan on your asset. It allows to acquire the asset immediately with a small deposit. You pay monthly instalments over the agreed term which spreads the cost of your investment. At the end of the term you can pay a nominal 'option to purchase' fee and you will own the asset outright.

HP helps keep capital in your business making it easier to budget. It is a popular finance product for businesses looking to purchase machinery, vehicles. Construction and agricultural equipment.

Capital Release

Refinancing the current assets on your balance sheet is a great way to get a cash injection in to your business. We buy the asset from you and you buy it back from us on a Hire Purchase agreement over an agreed term.

Improved cash flow and available funds can be used to acquire additional assets or put to use in any part of your business you choose. At the end of the refinance term you will once again own the asset.

Finance Lease

A finance lease can be set up as a full pay out agreement or with a balloon payment on the end. This allows you to acquire the asset without having to buy it outright. You chose what deposit you'd like to pay and the length or term. Rentals are paid each month and at the end of the contract you can return the asset to the funder, sell and keep a portion of the income or continue using the asset in a secondary rental period.

This flexible finance agreement provides a low initial outlay, VAT can be reclaimed on rentals and the cost can be offset against pre-tax profits.

Operating Lease

An Operating Lease or Contract Hire as it's also known allows you to rent the asset over an agreed term. A residual value (rv) is set by the funder based on the value of the asset at the end of the term.

Payments will be lower than that of an HP as you are only funding the depreciation of the asset during the time you have it, not the full cost of the asset as you would do if financing to own. At the end of the term you hand the asset back and walk away meaning you have less hassle trying to sell or trade-in the  for a new one.