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Quick Links to Our Services

Hire Purchase

Finance Leasing

Operating Lease

Contract Hire

Personal Contract Purchase

Commercial Mortgage

Factoring/Invoice Discounting

Practice Loans


  Finance Facilities
At Asset and General Finance Ltd we provide complete solutions for all areas of business from small sole traders to multi million pound companies.
  • Hire Purchase
  • Finance Lease
  • Operating Lease
  • Contract Hire
  • P.C.P. (Personal Contract Purchase)
  • Commercial Mortgage
  • Factoring / Invoice Discounting
  • Practice Loans
  • Re-financing
Hire Purchase
Hire purchase can be a tax efficient method of purchasing assets where you pay a fixed amount over a specific period to cover the cost of the asset and the interest charges. Hire purchase rates can be very competitive, with repayments tailored to meet your precise needs.

Finance Leasing
With a finance lease you lease your assets over an agreed period. Once again this method can be a tax efficient method where repayments are spread over the economic life of the asset. Repayments can be tailored to meet your business needs for example to lower repayment levels a final 'balloon' payment can be introduced that reflects the forecasted value of the asset at the end of the agreement period. Although you will never own the asset, when the asset is sold at the end of the period the majority of the sales proceeds will be returned to you.

Operational Lease
With an operating lease you will lease your assets over an agreed period. A residual value is included in the agreement which reduces the repayments, therefore bringing cash-flow benefits to your business. Operating lease also allows for 'off balance sheet” funding and can introduce tax benefits. Although you will never own the asset, an operating lease does offer you the benefits of ownership without many of the potential burdens.

Contract Hire
Contract hire is a Hiring Agreement where the asset remains the property of the Finance Company for the term of the agreement and at the end of the period the asset is disposed of by the Finance Company. The contract hire period can be tailored to suit you business and many other options can be introduced into the contract hire agreement including maintenance. Contract hire offers fixed monthly costs and the advantage of no or minimal initial cash outlay.

Personal Contract Purchase
Personal Contract Purchase is a funding agreement where title to the asset passes to the customer when all payments and fees have been paid (including residual payment) or if required the asset can be returned to the Finance Company at the end of the contract. Agreements are constructed with a deferred payment equating to the anticipated value of the vehicle at the end of the agreement. Personal Contract Purchase offers lower monthly repayments to fit in with many individuals’ budgets.

Commercial Mortgage
At Asset & General Finance we are able to provide a wide range of innovative and competitive finance packages, secured against the different types of commercial property.

Factoring / Invoice Discounting
For most companies, debtor balances are by far the largest asset in their balance sheets. These assets may turn into cash at a much slower rate than the business would like, often representing two or three months’ sales. Having more working capital will help you realise your business potential faster. Invoice discounting and factoring services help reduce pressure on your cash flow. Asset & General Finance can arrange Factoring and Invoice Discounting to be introduced into your business helping your business realise an improved cash flow.

Practice Loans
Asset & General Finance can secure Practice Loans that can help busy professionals start, acquire or expand a practice.

In some instances it is possible to secure re-financing against certain assets within your business which have little or no encumbrance but do have some current worth. This maybe done to restructure current debt or to raise capital for future business purposes.

For further information on any of the above services do not hesitate in contacting us directly to discuss your individual business requirements.

Contact Asset & general Finance on 01764 660 777

Finance subject to status. Written quotations available on request.
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Asset & General Finance Ltd.
Registered Office, 57/59 High Street, Dunblane, Perthshire. FK15 0EE. Registered in Scotland No. SC308532.