More options for finance...
CF Commercial Finance offers a wide and varied selection of finance options and as a part of the CF Group we deliver an excellent service too!

Why not keep your cash in the bank and contact us to find out new ways to make leasing work harder for you.

We know that cash is the lifeblood of the business. Unlike high street bank facilities or overdrafts that are subject to a change in market conditions, CF Commercial's finance facilities are specific to the equipment and allow you to effectively budget for your capital expenditure.

Just take a look at just a few of the options we offer...

Hire Purchase (also known as Lease Purchase)
After an initial deposit regular payments are made over a defined period of time. Ownership passes over at the end of the contract upon payment of an option to purchase fee. Payments can be fixed or variable rate interest and repayments can be monthly, quarterly or seasonal. Capital allowances are claimed against the purchase with the interest offset against taxable profits.

Finance Lease
Similar in structure to Hire Purchase, however, ownership remains with the finance company throughout the agreement. The rentals attract VAT and can be offset against taxable profits as a trading expense. At the end of the agreement you can retain the use of the equipment by payment of a 'secondary period rental' or alternatively it can be sold and a percentage of the sales proceeds will be due to you from the finance company. 

Operating Lease
An operating lease offers the same taxable benefits as a finance lease but differs in that it can be considered an off balance sheet facility and typically runs for less than the economic life of the asset. At the end of the term the goods are normally returned to the originating supplier or manufacturer.

*Please note that under Operating Leases the equipment will be subject to 'return conditions' and you should always seek the advice of your accountant or tax advisor before entering into this type of agreement. 

Sale and Leaseback/Hire Purchase Back
An effective way of releasing capital tied up in fixed assets unencumbered by existing finance agreements. Contact us to find out more.

Not sure of your best option?
No problem. We can provide expert advice on all your leasing options, we can even develop bespoke finance solutions. Just call us on
01279 759333