APT Finance
Business efficiency is a matter of revenues versus costs: leasing equipment in this context makes a lot of sense. Talk to APT about flexible financing such as hire purchase, lease purchase or any other type of finance plan to suit your requirements... Email Us
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Finance Packages

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Lease Purchase
Lease purchase packages provide the same tax and financial benefits as hire purchase, but payment can be structured to suit your business's cash flow. You can have a monthly or quarterly payment schedule.

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Hire Purchase
After an initial deposit, the balance is repaid by equal monthly payments. The agreement can be from 1 to 4 years and at the end of the agreement you become the owner. No VAT added to the payments and interest is tax deductible. The equipment is considered a company asset, which allows it to be written down against taxable profits.

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Finance Leasing
Leasing can offer you the most cost effective way to acquire an asset. Financing costs are calculated on the price of the equipment, exclusive of VAT. This dramatically reduces the cost of the monthly rentals. Rentals can be paid monthly or quarterly and can be tailored to your cash flow . Rentals can be offset against taxable profits if you are VAT registered.

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Balanced Payment Plan
The best of both worlds... you opt for a variable interest rate but with fixed repayments. So that when rates fluctuate, only the number of repayments varies but the amount stays the same, thus helping your administration and budgeting.

This is another form of lease purchase and provides you with even greater flexibility as it incorporates a variable rate of interest. Realistic interest rates are agreed at the commencement of the agreement and your monthly payments are then fixed throughout the period. If interest rates alter, your agreement will lengthen or shorten accordingly.

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Operating Lease
Rentals are tailored to suit your cash flow, and you get a guaranteed residual value with no disposal risk. As with finance leasing, VAT can be recovered at the same rate. An operating lease can be classified as "off balance sheet finance", with rentals allowable against tax.

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For further information,
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Tel: +44 (0)1628-789769 Email Us Fax: +44 (0)1628-788299
Tel: +44 (0)1491 642077 Email Us Fax: +44 (0)1491 642078

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