Use the asset. Protect your cash flow.
A Finance Lease gives you full use of an asset without the burden of ownership. The lender buys the asset and rents it to you for an agreed primary period.
Key benefits
- Low initial outlay — VAT is spread across monthly rentals
- Rentals can often be offset against taxable profits
- Preserves existing credit lines and working capital
- Share in the equity if the asset is sold at the end of the term
- Highly flexible end-of-term options
Who is it for?
VAT-registered companies, businesses that want to keep assets off their balance sheet, or those needing high-value equipment without the upfront VAT burden.
How it works
The lender purchases the asset. You pay a monthly rental fee for the primary term. At the end you can either continue renting (secondary period), or the asset is sold and you receive a percentage of the proceeds.
Frequently asked questions
Who owns the asset under a finance lease?
The lender retains legal title throughout. You have the right to use the asset for the agreed primary term.
Can I offset finance lease rentals against tax?
Rental payments are usually 100% deductible as a business expense, subject to your specific tax position.
What happens at the end of the term?
You can extend the lease for a further secondary period (often at a peppercorn rent), return the asset, or arrange its sale and share in the proceeds.