Finance Requirements

ADD Capital Finance Ltd
Landline: 01202 871160
Mobile: 07748 987165
Fax: 01202 237732
E-mail: sales@addcapitalfinance.co.uk

ADD Capital Finance offer a variety of services to
help with your business requirements.

In your own time take a look at the different opportunities
available to you by hovering over each item above.

If you have any questions or if you would like additional
information please feel free to contact us via e-mail or
phone.

Hire Purchase
- Hire Purchase offers a straightforward way to spread the cost of your new
  asset purchase. You pay a fixed rate of interest and benefit from fixed
  monthly payments, making budgeting simple and easy.
  
  You choose the amount of deposit you wish to pay, typically between 10%-50%
  of the asset’s price + full VAT if applicable. The remainder of the balance,
  together with the interest, is repaid over an agreed period (12-60 months).
  
  • Low deposit - doesn’t tie up personal or business assets
  
  • Control - you decide the deposit, you decide the term
  
  • Fixed monthly payment – makes budgeting simple
  
  • Flexibility – doesn’t compromise your other lines of credit
  
  • Assets - you gain ownership of the asset
  
  • Tax benefits - tax allowances for business users
  
  • Revenue – Assets are financed from revenue as you put them to work
  
  For a business customer the asset is reflected in the balance sheet.
Hire Purchase with Balloon
- Hire Purchase with a balloon offers lower monthly payments than standard
  Hire Purchase. Instead, at the end of the agreement, you can make a final
  lump sum payment (or 'balloon') to purchase the vehicle in full.
  
  It's fixed rate finance - but with a lower fixed monthly outlay since you
  defer repayment of some of the borrowing. At the end of the agreement
  you have a number of options including vehicle purchase, refinance,
  part-exchange or resale.
  
  The deposit you pay is flexible - typically between 10% - 50% + full VAT
  if applicable of the vehicle’s full price. The deferred balloon element is
  calculated on the estimated future resale value of the vehicle.
  The difference, plus interest, is repaid in equal instalments over an agreed
  period (12-60 months), plus a final balloon payment.
  
  • Low deposit - doesn’t tie up cash reserves
  
  • Lower fixed monthly payments - perfect for budgeting
  
  • A better asset - lower payments can help you choose a newer or higher
  specification vehicle
  
  • Flexibility – doesn’t compromise your other lines of credit
  
  • Assets - you gain asset ownership
  
  • Tax benefits - Tax allowances for business users
  
  • Revenue – Assets are financed from revenue as you put them to work
  
  For a business customer the asset is reflected in the balance sheet.
Sale & HP Back
- The customer sells assets that it has recently, (within 90 days), purchased
  and are unencumbered to the Financial Institution.
  
  The Financial Institution hires the asset to the customer by way of instalments
  that repay the cost; at the end of the hire period ownership of the asset passes
  to the customer for a notional price.
  
  • Cash Flow - Can raise funds against an asset recently purchased
  
  • Other Benefits – See Hire Purchase for benefits
  
  For a business customer the asset is reflected in the balance sheet.
Assets we can Finance
- There are countless items we can raise finance
  against, for example
  
  • CONSTRUCTION and CONTRACTOR’S PLANT & MACHINERY
  
  • ENGINEERING MACHINERY
  
  • MANUFACTURING MACHINERY
  
  • PRINTING MACHINERY
  
  • CARS
  
  • HGV’S & LCV’S
  
  • COMMERCIAL TRAILERS
  
  • BUSES & COACHES
  
  • MEDICAL & DENTAL EQUIPMENT
  
  • CATERING EQUIPMENT
  
  • VENDING MACHINES
  
  • IT & TELECOMS EQUIPMENT
  
  • GYM AND FITNESS EQUIPMENT
  
  • INVOICES
  
  • STOCK
  
  • PROPERTIES AND LAND

Why Choose ADD Capital Finance?

We have now had 2 vehicles financed and sourced
via ADD Capital Finance Ltd. The service given
was professional, quick and competitive.
Personal attention was second to none, with visits
to our business premises, thus making the process
quite painless (Peter Craig, Director,
Ebbtide Marine Ltd - www.ebbtidemarine.com)