The benefits of using Asset Finance instead of a Cash Purchase.

Asset Finance vs Cash Purchase (working capital).

Asset finance is a financial product that allows businesses to acquire the assets they need to operate, without having to pay for them upfront. Instead, the assets are purchased using financing, and the business pays back the financing over time.

Asset Finance products include:
  • Hire Purchase
  • Finance Lease
  • Operating Lease / Contract Hire


Asset Finance to buy:
  • New & Used Machinery
  • New & Used Vehicles


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Here are some benefits of asset finance:


  1. Use Asset Finance and leave maximum headroom with your bank to stop any future cashflow problems affecting the business as it expands with new equipment. A main benefit is not putting stress on the bank. Traditionally the clearing bank should always be left clear for unexpected costs ie staff issues, tax bills, small equipment, usables, vat, repairs etc.
  2. Improved cash flow: By using asset finance, businesses can preserve their cash flow and keep their capital reserves for other essential expenditures, such as hiring new employees or expanding their business.
  3. Access to better assets: Asset finance can provide businesses with access to higher-quality, more expensive assets that they may not have been able to afford otherwise. This can help businesses operate more efficiently and effectively.
  4. Flexible repayment options: Asset finance typically offers more flexible repayment options than traditional bank loans. Businesses can choose repayment terms that work for them, including longer repayment periods or seasonal payments.
  5. Tax benefits: We are not financial advisors but we do suggest you talk to your accountant about the benefits of asset finance. Depending on the type of asset finance used, businesses may be able to claim tax deductions on their financing payments. This can help reduce their tax liability and improve their overall financial position.
  6. Reduced risk: With asset finance, businesses can reduce their risk by spreading the cost of acquiring assets over time. This can help them avoid taking on too much debt at once and reduce the risk of defaulting on loans.


Overall, asset finance can provide businesses with greater flexibility, improved cash flow, and access to better assets, making it a useful tool for growth and development.


For more information call Matt on 07714896444 for a chat about finance products and the benefits.