Ability Handling | Ability Handling

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Why Asset Finance?

Asset Finance is a flexible, cost-effective and tax efficient way to successfully grow your business without tying up valuable working capital. Asset Finance allows you to ease your cash flow through funding assets at an agreed rate over a set period of time.


  • Maximise your cash flow.
  • Improve your tax efficiency.
  • Manage budgets with fixed rates. repayments and rentals.
  • Benefit from full use of asset with minimum upfront payment.

Finance Options


Features & Benefits

Hire Purchase



Flexible and cost-effective alternative to bank loan funding.

  • Ownership upon delivery of asset.
  • Repayments matched to depreciation of asset.
  • Purchase asset for nominal fee at end of agreed term.
  • Finance secured on asset removing need for security.
  • Claim capital allowances immediately.
  • Fixed or variable interest rate funding available.
  • Interest on payments is tax deductible.
  • VAT recoverable on purchase price.

Finance Lease



Tax efficient asset leasing.

  • Rentals matched to cash flow.
  • Retain most of sale proceeds at end of agreed term.
  • Fixed or variable interest rate funding available.
  • VAT payable on the rentals not purchase cost.
  • Offset rentals against taxable profits.
  • Security not usually required.

Operating Lease



Lower cost 'off-balance sheet' funding.

  • Rental and return conditions calculated on the future of the asset.
  • Lower rentals based on residual values.
  • Enhanced return on assets from off-balance sheet funding.
  • Avoids risks associated with asset ownership.


Feature Hire Purchase Finance Lease Operating Lease
Eventual Ownership x    
Improved Cash Flow x x x
No Depreciation Risk   x  
Off Balance Sheet   x  
Interest/Rental Allowable Against Tax x x x
Claim Capital Allowances x    
VAT Exempt on Repayments x    
VAT Reclaimable on Asset Cost x    
VAT Reclaimable on Rentals 0% Restriction on Cars with private Use)     x
Fixed Term and Repayments/­Rentals x x x
Fixed, Variable or Tailored Funding Options x x x
Receive Proceeds from Asset Sale


x x