With Hire Purchase, we purchase the asset on your behalf and create a tailored repayment plan to suit your budget. At the end of the agreed term, you can choose to take ownership of the asset for a nominal fee.

Find out more about Hire Purchase.

Finance Lease has a primary term with fixed rentals. At the end of the primary period you can:

• Hand the equipment back to us
• Sell to a third party on our behalf and retain a percentage of the sales proceeds
• Continue renting it after the primary period ends

Find out more about our Leasing options.

An Operating Lease is a Lease with fixed rentals that reflect a predicted future residual value, which is an amount you won’t pay, which means, rentals are reduced.

We take the residual risk and will sell the asset at the end of the agreement to recover this unpaid amount, protecting you from any potential loss. This transfer of risk may allow you to treat the asset as off-balance sheet, which may give improvements on key accounting ratios. 

At the end of the primary period you can:

• Hand the equipment back to us OR
• Upgrade or replace the asset on lease

Find out more about our Leasing options.

Refinance is designed to produce an injection of cash that can be used to fund a variety of activities by using certain existing assets as collateral.

Typically suitable if:

• You want to release funds in existing assets
• You want to fund specific business projects, put a deposit on new equipment, acquire a new business or purchase new assets which aren't suitable for finance

Find out more about Refinance.