The Asset Finance Group brokers have many years experience when it comes to coach leasing. Whether you require a replacement for one coach or a whole new fleet of coaches to cater for expansion of your business, we can source the coach leasing finance that you require.

There is a good level of flexibility available when it comes to your options when selecting a coach lease. You may choose an operating lease which incorporates a residual value to bring down your monthly payments. Alternatively opt for a finance lease which gives you all of the benefits of owning a coach without the potential problems that come from ownership.

If coach leasing is not appropriate for your situation then you may want to go for a straightforward hire purchase agreement where you make regular repayments and at the end of the term actually own the coach.

Our brokers will determine the best asset finance solution for you taking into account your business objectives and financial circumstances.
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If a business needs an item of equipment for a relatively short period of time, say two to three years, then Operating Leasing may be the appropriate solution.

The leasing company will lease the equipment to the business. The leasing company would be planning to sell the asset as a second hand item at the end of the lease period or to lease it on to a different business. Therefore is does not need to recover the full cost of the equipment through the money received from the regular lease payments during the initial term.

Equipment financed under Operating Leases are not shown as assets on the balance sheet. In this case the operating lease cost is treated as a cost in the profit and loss account.

This type of leasing is typically used for equipment where there is a well-established second hand market. This would include assets such as cars, construction equipment, tractors, etc. The lease period will usually be for 24 months through to 36 months, although it can be much longer, but is always less than the working life of the asset.

Commercial equipment leasing can deliver a number of advantages to your business. Commercial equipment leasing ranges from commercial kitchen equipment leasing and commercial catering equipment leasing through to commercial refrigeration equipment leasing and everything in between. If you have some form of equipment required to run your business then it is likely to be a candidate for commercial equipment leasing.

Over the years our brokers have worked with all sorts of businesses, both large and small, so we can offer you advice as to which financing option suits your specific business requirement. We also take into account your budgetary and capital constraints when sourcing the appropriate asset finance for your situation.

Commercial equipment finance involves negotiating the warranty’s terms, the price, and the installation of the equipment. You can also lease the equipment for a fixed amount of time and then have the choice of returning the equipment or you can buy it for its residual value. Relevant factors to take into account include whether the equipment is likely to depreciate rapidly or even appreciate over the lifetime of the lease. You also need to consider the actual useful lifespan of the equipment as many items of commercial equipment can be used well beyond the lease term, whereas equipment like computers or computer controlled machinery generally become obsolete fairly quickly.

Our brokers are experienced when it comes to commercial equipment leasing so request a quote now.
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In a business environment where retaining cash within the business makes a lot of sense instead of making capital commitments many companies go down the route of a financing the acquisition of new assets using equipment leasing.

Regardless of whether you have a well established business or have a younger business when you wish to expand cash is often a constraint. One approach to manage your cashflow is to lease equipment instead of buying it outright. Another option would be to rent equipment but it is often not cost effective as a long term option versus using equipment leasing.

Why do companies choose equipment leasing?

Firstly there are a number of cashflow benefits which are immediately apparent when choosing the equipment leasing option. Instead of one substantial payment at the time that you order the equipment, the cost of the equipment finance is spread over a number of regular payments. These payments can be usually be aligned with the specific requirements of the business, including seasonal cash flow circumstances.

In general payments amounts are fixed for the term of the lease agreement at a known interest rate, if desired. Customers are protected from changing interest rates, enabling accurate budgeting and cash flow projections.

It is advantageous to pay for equipment over the period that the system or asset is delivering benefit to the business. Payments can be structured so that they match the realisation of the benefits in terms of increased revenue or cost savings through improved productivity or improved processes.

Payment profiles can normally be structured to suit the available budgets, project roll-out programmes and/or cash flow requirements.

Secondly there are some tax benefits by adopting equipment leasing, the most important being that leasing payments may be offset against tax rather than adopting more complex capital allowance calculations.

Thirdly there are often flexibility benefits when using equipment leasing. For example you may be in an industry where the rate of change of technology is quite fast and a lease may allow you to upgrade ageing or obsolete equipment for more technically advanced equipment as time progresses.

The fourth reason that equipment leasing often makes sense if that you are not constrained to acquiring just the item of equipment you can afford to pay for in terms of the total capital cost at the time of purchase. Regular payments enable you to select the equipment that is most beneficial for your business need, rather than just selecting the item of equipment that you can afford at the time.

The fifth reason is that at the end of term, equipment can be returned to the lessor avoiding equipment disposal issues or costs, which is becoming increasingly more significant as recycling and disposal obligations are becoming more onerous as the years pass.
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