Funding facilities provided by Hafod Finance Solutions.

Call us to discuss your
financial needs on:

07896 897 828
01269 850 959

or email:

HIRE PURCHASE

A straightforward repayment facility providing outright ownership at the end of the agreement. Repayments can be fixed and structured in a flexible way i.e. a balloon or final lump sum can be applied to reduce the monthly repayment.

Key Features and Benefits:

  • Preserves cashflow – offers the obvious cashflow benefits of paying in installments.
  • Tax efficiency – as a business can claim writing down allowances and can offset interest payments against taxable profits.
  • Flexible – we can tailor deposits, periods and repayments to suit your specific personal or business requirements.

 


LEASING

Where ownership is not required, finance leasing works well for a broad spread of business assets as well as vehicles.

Key Features and Benefits:

  • Preserves cashflow – offers the obvious cashflow benefits of paying in installments.
  • Initial deposits can be as low as one repayment/rental down with the VAT spread over the term of the agreement.
  • Flexible – repayments/rentals can be structured according to your anticipated cashflow.
  • Tax efficient – the repayments/rentals can normally be offset against taxable profits.
  • Cost-effective – the Funder, as owner of the asset, claims the writing down allowances and passes them on to you in the form of lower repayments/rentals.
  • At the end of the lease you can continue renting the equipment by paying annual secondary repayments/rentals or sell the goods to a third party and retain up to 99% of the sale proceeds.

 


OPERATING LEASE

This is a rental agreement which can be used to finance a broad spread of business assets but is particularly effective for financing heavy commercial vehicles. The Funder builds in a residual value to reduce the rentals, thus helping cash flow and making 'off-balance sheet' funding possible.

Key Features and Benefits:

  • Preserves cashflow – offers the obvious cashflow benefits of paying in installments.
  • Initial deposits can be as low as one monthly rental down with the VAT spread over the term of the agreement.
  • Competitively priced – the Funder or manufacturer takes the risk in the residual value of the equipment and factors this into the rental, bringing down the periodic cost to you.
  • Fixed maintenance contracts can also be built in to the monthly rental.
  • Tax efficient – the rentals can normally be offset against taxable profits.
  • Asset normally treated as 'off-balance sheet' (subject to your auditors' approval).
  • Flexible – at the end of the term, you can return the asset or extend the period. Either way, you do not carry the problem of disposal of the equipment.

 


CASH FLOW FINANCE

If you need to release funds from your debtor book to help with cash flow we can access a range of options that can be tailored to your needs. These include traditional Invoice Discounting and Factoring facilities, together with our more bespoke Selective Invoice Finance facility with Creative Capital.

Through Creative Capital we offer Selective Invoice Finance facilities which allow you to raise additional working capital by selling invoices as and when you require a cash flow boost. Rather than having to fund against your entire ledger (as you do with traditional factoring), you pick and choose invoices to sell, as and when you need to raise money. Cash advances of up to 85% of your invoice value are available, across a wide range of industries. No long term tie ins and the option to use the facility as little or as often as you like, makes Selective Invoice Finance an incredibly flexible financing option for your business.

To learn more please visit www.creativecapitaluk.com

 


OTHER

Many companies will have assets that have been paid for, are unencumbered or may have minimal borrowings outstanding on traditional asset finance. Whilst these assets may continue to be valuable contributors to the day to day performance of the operation, it may be that they have added value in tied up equity.

If you are considering further investment in the business, but do not want to acquire newer assets why not consider releasing value from the existing assets by re-financing.

Hafod Finance has access to a number of funders whose expertise lies in understanding assets and their true value; and have the ability to tailor bespoke packages to suit your requirements.

Hafod Finance Solutions Limited - Registered Address: Hafod Waunfarlais Road, Llandybie, Ammanford, Carmarthenshire, SA18 3NG. Company Number 07838394. Hafod Finance Solutions Limited is an independent Commercial finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Hafod Finance Solutions Limited may receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Hafod Finance Solutions Limited is an Appointed Representative of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority. AR Authorisation reference number 625035.