Hire Purchase - A type of funding where ownership of the goods passes to the customer at the end of the agreement. Rates are generally fixed providing easy budgeting, with repayment periods up to 5 years. Where applicable, VAT is paid in full at the outset.

Finance Lease - This funding method is based on a rental for the primary period up to 5 years with the option to extend for a secondary period or to receive a % of the proceeds on sale to a 3rd party. It is not an ownership type of contract. VAT is paid on the monthly rentals. Rates are also fixed.

Lease Purchase – An ownership type of contract, like Hire Purchase, but often with a balloon payment deferred to the end of the agreement. Rates are again fixed over periods up to 5 years.

Commercial Mortgage – A product to facilitate the purchase of commercial property with a maximum repayment period of 25 years and with both fixed and variable rates available.

Factoring/Invoice Discounting – A product which enables businesses to obtain an advance of up to 85% against outstanding trade debtor invoices, providing positive cashflow.

Marine Finance – A facility for the purchase of boats over a maximum 15 year period with both fixed and variable rates.