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Medium–long term
Term Loan
When your business is starting out, you often need capital up front to buy profit-making assets.
A term loan will help you. It is repayable over five years and attracts servicing interest on the capital.
Medium–long term
Finance for Property
Deciding to buy your own business premises is one of the biggest and also potentially rewarding decisions you can make.
Property finance will help you shift from renting to owning your business premises.
Many business owners also choose to unlock equity by applying for an ordinary home loan in their personal capacity and using this for their business.
It is a long-term loan (typically to be repaid over 10 to 15 years) that uses property as security.
Medium–long term
Vehicle / Asset Finance
Asset finance is a type of instalment loan that uses a business’s assets as security. The loan is typically structured over period of 60 to 72 months, and requires fixed monthly instalments.
Examples of assets are vehicles, trucks or buses, as well as equipment and machinery, that have a second-hand market. This includes most ‘yellow goods’ and specialist medical equipment.
Assets that cannot be easily resold or have a limited lifetime (e.g. computers, printers, fridges or coffee machines) do not lend themselves to asset finance.
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