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UK Business Finance - The Options Available To You

Guest post by: Al Shea

Article Overview: This article gives you a straight-forward overview of the typical financial products and options available to your business in the United Kingdom. For some businesses, taking a lease rental may not be ideal - they may instead need an operating lease. Others require an investment for example, or venture capital to aid their growth. This article breaks down what finance options you have available to explore.

UK Business Finance - The Options Available To You

Finance Options Available To Your Business in the United Kingdom Lease Finance

• Minimal, Deferred or No Deposit funding with full invoice amount funded
• Appears on balance sheet, and payments are 100% tax allowable
• At the end of lease flexible options to either return or continue to use the equipment
• Flexible funding, that subject to credit allows easy upgrading at any time

Lease Purchase

• Minimal, Deferred or No Deposit funding with full invoice amount
• Equipment title can be passed to the customer upon final payment
• The equipment appears on the balance sheet
• Capital allowances can be claimed

Operating Lease

• Rentals are wholly deductible against profits
• Off balance sheet funding
• Retention of asset ownership usually with finance company or supplier at end of lease
• The full rental amount is VATable

Loan Facilities

• Funding provided to the business for your choice of purpose
• Full or part price of goods can be financed
• Client can obtain ownership at end of primary period

Invoice discounting/debt factoring

• This is a mechanism for raising capital by selling of the company's accounts receivable to a third party, in order to obtain funding
• A percentage of client's receivable invoices are advanced against future collection by a third party

Venture Capital

• Funding used to support new or unusual undertakings; equity, risk or speculative investment capital
• This funding is provided to new or existing firms which exhibit potential for above-average growth

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Article Tags: business finance, finance options, operating lease, uk business, united kingdom, venture capital



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