Helping organisations to grow
Capitas is a specialist asset finance company committed to giving private and public sector clients the ability to source, acquire and manage the assets they need to succeed.
What differentiates us is our ability to think strategically, developing and delivering solutions that support business objectives. We pride ourselves on offering the best. We are not looking for short-term gains but to build a long-term working partnership by helping you choose the most appropriate finance package for your needs. We are the experts in our field.
Why should you choose Capitas as your one-stop financing partner?
Simply, it’s because we offer:
- Prudent financial advice: We can help you conserve cash, lower your total cost of ownership, and support your overall financial objectives.
- Customised solutions: Our facilities can be tailored to your unique situation.
- A pleasing experience: We’ve simplified the entire financing process, from acquisition through to disposal if required.
- Relational management: We’re a proven partner, dedicated to your success across not just the life cycle of your asset investments but our ongoing business relationship.
- One-stop financing: Our portfolio of financial solutions can help you optimise value from your investment in business assets.
Capitas puts great value on building strong relationships and communicating with its clients. More often than not it starts with a simple phone call or an initial meeting. We would be delighted to hear from you if you’d like to find out more about how Capitas can support you or your organisation.
Call us on: 0845 458 7555
Email us at: enquiries@capitasfinance.com
We look forward to speaking to you.
Key facts about asset finance and capital investment
- The UK is one of the largest asset finance markets in Europe
- Approximately £25 billion of asset purchases are financed in the UK each year
- Over two thirds of businesses plan to make a capital investment in the next twelve months
- Circa 30% of all investments in plant and machinery today are realised through financing transactions
- Nearly two thirds of businesses are not making full use of their available capital allowances
- Clients can finance almost any kind of asset – from software to office furniture to heavy plant
- Security is taken primarily in the asset so other credit lines are unlikely to be affected
- Asset finance can often be more competitive than unsecured finance from third party sources
- Asset finance provides flexibility – payments can be individually tailored to suit the client and their individual circumstances with flexible schemes including deferrals, stepped and seasonal repayments
Leasing distribution according to asset groups (2008)*
- Plant & Machinery: 25%
- Commercial Vehicles: 14%
- Passenger Cars: 36%
- Information Technology: 13%
- Ships/Aircraft/Trains: 5%
*Source: Asset Type and Finance and Leasing Association (FLA) – the major UK industry body for the asset finance industry
FInance Guide
The majority of companies have to seek financial assistance to help them grow.
Historically, the first route for raising funds was the bank, but today organisations understand the importance of diversifying their funding lines and want a wider range of financing providers and options.
There is a growing awareness that paying cash to purchase business assets may not be the best option. Alternatives, including asset finance, can offer many advantages. Using all your available assets in a flexible and imaginative way makes it possible to fund your business objectives. It can also help solve the problems posed by the need to maintain, replace or update depreciating assets in a fast changing and highly competitive business environment.
Asset finance can offer tangible benefits to organisations of every size and structure looking for improved solutions to fulfil their borrowing needs:
- Assets are financed from revenue and paid for as you put them to work
- Rates can be as competitive or even better than bank rates
- Preserves working capital and does not tie up stock funding
- You benefit from the full use of the asset without having to pay upfront
- Choice of fixed and variable rates
- Depending on your situation you may benefit from tax advantages
- Leasing can involve low initial outlay
- Provide a source of flexible credit
- No impact on traditional business banking lines and overdraft facilities.
This management guide has been designed to help make asset finance easier to understand. We hope you find it both interesting and informative.