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Finance Packages

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Do not let budget restraints force you into compromising on quality.

Looking for a more flexible option?

We have created partnerships with a number of leading Finance Companies to ensure you don’t have to settle for second best.

You do not need to delay urgent investment decisions due to economic uncertainty; we offer a range of financial boosting packages which can be tailored to your individual specification, ensuring your business can progress efficiently.

Through teaming with these Finance specialists, we have the industrial expertise of both the finance and the material handling industry to ensure we get the right solution for you.

Unsure which asset finance method is best for you? Contact CAM today.

Contract Hire

Cash flow issues preventing you from operating efficiently?

Contract hire agreements offer a complete package, including delivery, maintenance, servicing and repairs relieving you of the worry of up keeping the asset. Like every part of the CAM process, we will employ a customer centric service, ensuring we understand the needs of your business, so we can advise you of the best solution. Best yet, you benefit from a low initial cost with all payments (including VAT) repaid across the contract period. All repayments count as a business expense and can be offset against tax.* VAT registered companies can claim back the VAT included within the rentals. It’s a tax-efficient leasing agreement that allows for accurate budgeting with minimal risk.

*CAM and its Finance Partners are not authorised to provide tax advice. Business customers should refer all tax-related matters to their company accountant/auditor.

How Does Contract Hire Work?

  • Choose the piece of equipment you need, with a payment period that’s right for you
  • Agree a repayment rental amount to suit your budget
  • Pay an initial deposit rental to start your agreement
  • The balance is divided equally over the term and after the contract date ends we can pick it up

How do you benefit?

  • Complete Package – With delivery, maintenance, servicing and repairs covered there’s no surprise costs
  • Frees up capital for other investments
  • Allows easy budgeting to allow you peace of mind over your cash flow
  • Deals are structured to your needs – rental and return conditions fixed to your specification
  • Tax-efficient – 100% of rentals paid are normally offset against taxable profits*
  • Off-balance sheet funding – equipment does not depreciate on your balance sheet*
  • Improves your gearing ratio
  • Rentals are classed as a revenue expense on your profit and loss account
  • Use of your equipment will increase productivity and therefore could pay for itself – rentals matched to income
  • VAT is payable on each rental rather than in full at the outset, meaning there is no need for a lump sum

Contractually hire peace of mind over your cash flow today, contact CAM.

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Hire Purchase/Lease Purchase

Lack of capital putting the progression of your business back?

We like to make your life a little bit easier. If your business would benefit from new warehousing equipment, there’s no need to be weighed down by the total cost. 60% of UK small & medium-sized businesses use asset finance to fund investments.

*CAM and its Finance Partners are not authorised to provide tax advice. Business customers should refer all tax-related matters to their company accountant/auditor.

How Does Lease Purchase Work?

  • Choose the piece of equipment you need and the repayment period that’s right for you
  • Agree a repayment amount to suit your budget
  • Pay an initial deposit to start your agreement
  • The balance is divided equally over the term and after the final payment (which includes the option to purchase fee) you own your piece of equipment.

How Do You Benefit?

  • Frees up capital for other investments
  • Regular, fixed payments allow you to budget easily
  • Tax advantages – as well as reclaiming VAT (if VAT registered) Tax benefits such as Annual Investment Allowance and Writing Down Allowance can reduce your expenditure further.*
  • Flexibility – you choose how the finance is structured: with a flexible deposit, fixed payments and perhaps a final balloon lump sum, the service is tailored to you
  • Unlike some bank loans, additional security is not usually required and the agreement is not payable on demand if conditions are being met
  • Freedom to make your own arrangements for maintenance, repairs and servicing
  • Minimises risk

Start owning the equipment you need today, contact CAM now!

Finance Lease

Want a hire option that pays dividends? Finance lease allows to you use the equipment without ever owning it, creating the flexibility you need in your ever-changing business industry.

*CAM and its Finance Partners are not authorised to provide tax advice. Business customers should refer all tax-related matters to their company accountant/auditor.

How Does Finance Lease Work?

  • Choose the piece of equipment you need and the payment period right for you
  • Agree a repayment amount to suit your budget
  • Pay an initial deposit to start your agreement
  • At the end of your lease agreement you have two attractive options
    1) Continue to use the asset paying nominal payments
    2) Sell it as our agent and benefit from a proportion of the sales proceeds

How Do You Benefit?

  • Finance available for up to 100% of the purchase price (excl. VAT), reducing upfront costs making it viable with even the smallest amount of capital
  • Flexible and tax-efficient funding*
  • VAT payable on the rentals, not upfront on the purchase of the equipment, meaning costs can be broken into smaller sums to help you ensure lack of capital doesn’t hold your business back.
  • At the end of the agreement you can either retain the asset for a nominal annual sum or sell it and retain a percentage of the proceeds, guaranteeing that the lease is flexible to you
  • Freedom to make your own arrangements for maintenance, repairs and servicing

Lease flexibility today, contact CAM.

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