If you require financing for an unsuitable asset, or for project work (MBO etc), capital raising by Sale & Leaseback, Sale & HPBack, or Chattel Mortgage will enable you to put the equity of your existing assets to good use.

SALE & LEASEBACK
This product is the same underlying facility as a finance or operating lease. The difference here is that as you already own the assets, and you will be the supplier. The invoice you raise will be the lower of either; the current market value or your tax written down value.

SALE & HP BACK
This product is the same underlying facility as hire or lease purchase. The difference is that you own the assets, and you will be the supplier. The invoice you raise will be the lower of either; the current market value or your tax written down value.

CHATTEL MORTGAGE
A Chattel Mortgage is a fixed charge over an asset rather than freehold land. The Funder will advance money against the security of these chattels.

The charge will be registered, but there will be no requirement to invoice the Funder for the assets. This is particularly useful if the assets have a low tax written down value or if you have concerns about posting a profit/loss on disposal. Please note however that Chattel Mortgages are generally only available for corporate bodies to which English Law applies (Scottish Law does not recognise the principles of Chattel Mortgages).

COMMERCIAL LOANS
We can arrange commercial loan options that can be used for a range of business requirements.

We understand the importance of choosing the right type of financing and aim to be quick in responding to your needs, while keeping documentation as simple as possible.

We can help you to find the most suitable commercial loan product, and tell you about the flexibility we offer in terms of repayment and drawdown options.