Financial products

The world of asset finance can be a minefield. There are lots of different financing solutions on the market whether you’re unlocking cash from items you own or getting new equipment for your business. At Sussex Asset Finance, we’ll give you an honest appraisal of your business and give you clear, practical advice about the best options open to you based on your finances and what you want to achieve long-term.

Hire purchase

Hire purchase allows you to buy assets and pay over a set period of time. Once all the instalments have been paid you will own the asset. Hire purchase is similar to equipment leasing but simpler and less flexible. Normally, you will pay a 10% deposit and all the VAT is paid upfront. If you think hire purchase will suit your business needs, get in touch. We have access to a wide number of providers and the most competitive rates.

Lease purchase

If you’re buying a car you might be thinking of a lease purchase. This is similar to a rental agreement but you will own the vehicle at the end of the deal. You may be asked to pay a number of advance payments and the leasing equivalent of a deposit. A sum is usually deferred to the end of the deal; this is determined by the age and mileage of the car at the end of the agreement. A PCP (personal contract plan) differs from a lease purchase in that this final payment is optional. We’ll look at the options and help you come to the right decision for you.

Refinance sale

Raising money from your business assets is often the quickest way to inject cash back into your business. A refinance sale is like remortgaging your property. You can use refinance sale for anything from a management buy-out to speculative funding or cash flow finance to resolve a problem. The assets remain your company’s possession and you can use them day to day to run your business. If you think refinancing might help your business, give us a call and we’ll give you our honest, unbiased opinion.


A leaseback is a strategic form of financing large capital investments. This is a popular choice for clients with expensive assets such as airlines or rail companies. A leaseback allows you to sell an asset to an external entity while maintaining the legal rights to use the asset. We’ll advise you and find the best leaseback to suit your specific needs.


A simple, straightforward loan can make a big difference to your life. So why let lack of finances stop you from achieving your objectives? We can offer you a personal loan or a business loan. Our business clients come to us for loans for everything from financing much-needed building modifications to a simple cashflow boost. Rest assured, there’s always a competitive loan out there that’s right for you. We also offer personal loans – everything from buying your dream motorbike to investing in a new saddle and tack.

Car Leasing/PCP

When you’re buying a car there are a couple of options to consider. Straightforward car leasing through a Personal Contract Purchase (PCH) allows you to drive a new car every few years with relatively low monthly payment and no worries about the car’s resale value. A Personal Contract Purchase (PCP) is similar but you have the option of buying the car in the future. We’re here to guide you through the options, help source the right vehicle through our trusted network of UK dealers, and negotiate a great deal on your behalf.

Operating leases

Operating leases are the simplest form of equipment leasing which essentially means you rent the item over a short or medium timeframe. Its advantage is that you don’t take on the risks and rewards of owning the asset (for example, maintenance costs). Operating leases normally include an element of maintenance provision and they have a relatively short lease period which means there’s more flexibility than a finance lease or hire purchase. We’ll help you decide if an operating lease is for you then negotiate with our network to secure a deal that works in your best interest.