What we can do for your business
Whether your business is one week old, just emerged from CVA or in the FTSE 100 we can provide the finance


Asset Finance
Invest without putting pressure on cashflow.
Virtually all assets are fundable:-
- Cars
- Computers
- Commercial vehicles
- Recovery vehicles
- Recycling and construction plant
- Cranes and access equipment
- Filtrartion plant
- Whole production lines
We have funded 100 tonne excavators and 1000 tonne metal shears to racing cars and high speed fishing boats.
If what you need can't be put on an agreement we will find another way!
Facilities
We will advise you on the best product, whether your requirement be for: -
- Tax efficiency,
- Deferment of VAT payments
- Tailoring the agreement to suit seasonal or non uniform business turnover
- More complex accounting reasons such as off balance sheet funding
Hire Purchase / Lease Purchase
A straightforward repayment facility where you ultimately own the asset. Repayments can be structured in a flexible way using initial payments and/or a 'balloon' (final lump sum).
- Periods from 1-7 years
- Fixed and variable rate (Variable is great for directors cars as there is minimal penalty for early settlement)
- Rentals can be set according to your cash flow - especially beneficial if your business is seasonal.
- you control the asset, and are responsible for its maintenance
- Company deals with the asset as if they had paid cash, and it appears on your balance sheet
- The interest element of repayments can normally be offset against taxable profit.
VAT payable up front with deposit, and is usually reclaimable (VAT deferment until customer has reclaimed VAT is now fairly standard)
Finance Lease
A popular, flexible method of funding a broad spread of business assets. Very similar in cost to HP.
- When the asset is sold you normally receive the lion's share of the sale proceeds.
- The flexible repayment structure gives you immediate and full use of the asset for a minimal outlay.
- Rentals can be set according to your cash flow - especially beneficial if your business is seasonal.
- Rentals can normally be offset against taxable profit. Asset treated as 'on-balance sheet'.
- VAT is paid on the rentals not the purchase price*.
- The Funder, as the owner of the asset, claims writing down allowances, and these are reflected in the rentals you pay.
Operating Lease
Particularly effective for specialised assets and vehicles of higher value. A residual value is built into the agreement to reduce the rentals, thus helping cash flow and making 'off-balance sheet' funding possible.
- Asset normally treated as 'off-balance sheet' (subject to your auditors' approval), reduces gearing and improves some accounting ratios.
- Ideal for longer life assets with good residuals
- Funder bears the residual risk on the equipment's value.
- Rentals can be set according to your cash flow - especially beneficial if your business is seasonal.
- Rentals can normally be offset against taxable profit.
Contract Hire


For instant quotations please visit our partner:

A type of operating lease used for funding cars.
- Costs that can be included in the monthly rental
Maintenance, repair costs, replacement of tyres and batteries, providing replacement vehicles, roadside assistance and recovery and payment for the vehicle licences.
This enables fleet costs to be fixed and easily accountable for.
- Cars, light and heavy commercials are suitable
- Sale and contract hire back can be used to organise an old fleet, and raise capital
Commercial Loans
We offer a wide range of Commercial Mortgages if your company is considering constructing a new building, moving to new premises, expanding facilities or modifying your existing accommodation.
Contact us any time for a preliminary discussion.
- Secured on your business premises
- Loans for up to 75% of purchase price or open market value, whichever is lower
- Variable, fixed or capped rates of interest
- Flexible repayment terms, including interest only loans with bullet repayments at end of term or capital repayment holidays
Invoice Discounting / Factoring
(Cash Flow finance, Receivables finance)
The invoice discounting market continues to grow as traditional forms of liquid finance (overdrafts) are being more tightly constrained by Bankers due to recent legislation (Brumark case) and the banks general unwillingness to take any risk.
At Bell, we have a wide knowledge of the players in the market, and know who is hungry for business and who are specialists in certain industries. Our broking service puts you in direct touch with UK factors and invoice discounters who may be able to assist your business.
- This type of facility can dramatically improve your cashflow by releasing money as soon as you have completed an order and raised an invoice rather than having to wait for your customer to pay.
- It is ideal for funding growth. As the amount you can borrow grows in line with your sales
- It is ideal if your business does not have the financial track record or security available to negotiate sufficient overdraft facilities.
- Its implementation can often make it possible for you to repay bank facilities and release previously pledged security.
- Typically, when factoring is set up you can borrow about 80% of the value of your approved invoices less than 90-120 days old
- Once in place, there is often no limit to the amount you can borrow as the finance is linked directly to sales
- Debts can be insured
- Invoice Discounting facility costs are now comparable to overdraft charges
- Discounting is typically confidential, meaning that your customers are completely unaware of your financial arrangements
- Factoring is more expensive but removes the necessity for you to run your own credit control department
Most providers now give you instant on-line access to view your cash availability
Insurance Services
In association with our partners Cugini Associates we offer a full range of business insurance products.

Please click on the above site for more information.