For intermediaries only

Sale and hire purchase (HP) back

Sale and hire purchase (HP) back enables clients to finance a recently purchased asset, via an HP agreement, allowing them to release cash back into their business.

  • Spread the cost of a recently purchased asset by introducing an HP agreement
  • As with an HP agreement, borrowers take ownership of the asset upon payment of the final installment (includes an Option to Purchase fee)

Sale and lease back

Sale and lease back enables clients to finance a recently purchased asset, via a lease agreement, allowing them to release cash back into their business. At the end of the agreement the customer may have the option to return the equipment or continue to use it for a charge.

  • Frees cash tied up in an asset which can be used to invest back into the business
  • Enables budgeting through fixed monthly payments
  • Tax efficient – payments are considered as charges, lowering your taxable profit (please ask your accountant for more details on this)

 

Hire purchase

If the aim is to spread the cost of the financed asset and own it outright at the end of the term, HTB’s asset finance specialists can provide credit to achieve this.

Hire purchase is a convenient, fast and easy to arrange form of finance.

  • Spread the total cost of the asset after paying a deposit into fixed monthly instalments over a fixed term
  • Take ownership of the asset upon payment of the final instalment (includes an Option to Purchase fee)

Leasing

Leasing is a convenient and cost effective way of being able to obtain the very latest equipment while it is being used. At the end of the agreement the customer may have the option to return the equipment or continue to use it for a charge.

  • Frees up working capital
  • Preserves existing credit lines
  • Enables simple budgeting through fixed regular payments
  • Tax efficient – depending on the type of asset, payments for your lease agreements may be at least 85% deductible from your annual profits
Broker portal

One portal, multiple uses

We’ve developed a platform to offer brokers a one stop shop for all their asset finance needs, allowing you to automatically generate documents, and submit and monitor deals.

Plus, we’re always discovering new ways to make it even more useful. We update it regularly to ensure we provide the very best broker portal possible.

Contact HTB’s specialist business finance team on 020 7862 6262 or email us. We are open 9am to 5pm Monday to Friday, excluding bank holidays