Sale and Leaseback
Enjoy the benefit of releasing cash
Capitas can purchase your existing assets, dependent on the book value and specific requirements, and lease them back to you for the remainder of an agreed term. This popular choice releases capital tied up in the equipment, straight into your company’s reserves.
Key features and benefits of Sale & Leaseback:
- Enjoy an immediate injection of cash from the sale of the assets
- Can include certain capital and tax advantages and improve key ratios such as gearing
- Simple paper transaction which is easy to administer
- Structure your lease to include product refresh options, ensuring you have the assets you need for your growing business
- Return your equipment at the end of the lease term and eliminate all costs and headaches associated with asset disposal. Alternatively, acquire continued indefinite use or take title to the equipment via a sales agency for a pre-agreed nominal sum.
Hire Purchase
What could be easier
Hire Purchase is a straightforward repayment facility that enables you to ultimately own the asset. The cost of equipment can be spread over its useful working life and paid for out of the revenue it earns. Payment patterns can be tailored to suit individual needs, generally involving a deposit followed by a series of periodic instalments.
Benefits of Hire Purchase:
- With ownership you have total control over the equipment
- Ownership normally carries the potential for claiming writing down allowances and/or capital grants, including any enhanced first year allowances
- VAT on the cost of the equipment is normally reclaimable
- Fixed or variable interest rate - you make your own assessment and choose accordingly
- The interest element of repayments can normally be offset against taxable profit
- The equipment appears on your balance sheet
Finance Lease
All the benefits of ownership without the burden
A Finance Lease agreement gives you the full use of an asset for an agreed period of time for an agreed periodic rental. This is a popular flexible method of funding a broad spread of business assets. It offers all the practical benefits of ownership without any of the potential burdens.
Benefits of Finance Leasing:
- Flexible repayment structures give you immediate and full use of the equipment for a minimal outlay
- Rentals can be structured to reflect cash-flow requirements
- Fixed interest rate provides certainty of repayments and assists budgeting
- Rentals can be offset against taxable profit
- VAT is paid on the rentals not the purchase price
- The lessor claims writing down allowances, and these are reflected in the rentals you pay
- Retains existing credit lines and gives you a new source of credit for current and future needs
- Eliminates risks and costs associated with disposing of assets at the end of their useful working life
Benefits of Capitas
Finance is just the beginning
In today’s marketplace, simply offering the best financing product is no longer sufficient. We understand you need a reliable financing source that knows the importance of responding quickly to opportunities. Whether your requirement involves a complete showroom refurbishment or individual fixtures and fittings we have the industry knowledge and financial expertise to design a finance solution to suit you and offer a better alternative.
Why you should choose Capitas as your CI financing partner?
Simply, it’s because we offer you:
- Asset class expertise – our people are senior ‘hands-on’ professionals who understand the different types of office equipment and related services that we finance; the dynamics of these assets, their values, their working life
- Smart solutions – strategic thinking enables Capitas to deliver reliable, flexible and competitively priced products whether it be a standalone agreement for a specific piece of office equipment or project finance for a complete premises fit-out
- Tax based financing – we’ll address preferences for on or off balance sheet funding and advise on how this choice will affect your tax position
- Flexible finance – choose facilities that enable you to lease, own or hire for all types of office equipment, from telecoms and partitioning to furniture and technology
- End of term clarity – we offer straightforward options with ‘no suprises’ when the finance term ends
- Lifetime relationships – we put great value on building strong relationships and communicating with our clients; our aim is to support your business growth and become your one-stop funding partner
Corporate Identity
Manufacturers have imposed strict Corporate Identity (CI) requirements on franchised dealers.
The standards vary between manufacturers, but certain brands can be regimented cutting across the dealership from the showroom to the workshop. Investment and requirements are also dependent on the size of the premises and the other brands sold on the same site.
Furthermore, standards differ between car, commercial trucks and motorcycle franchises from the same manufacturer. Combined showrooms will usually mark off a separate area for the two brands and have different teams in charge of each.
Capitas can help you spread the cost burden of CI upgrades providing financial solutions that mirror depreciation periods. Our facilities can encompass all types of fixtures and fittings including but not limited to the following items:
- Signage
- Cladding
- Mezzanine Flooring
- Furniture
- Display Units
- Lighting
- Flooring
- Technology
- Audio Visual Displays and more…