TAILORED FINANCE SOLUTIONS FOR YOUR BUSINESS
At Commercial Fleet Finance, we provide flexible and competitive finance solutions designed to support businesses operating in the transport, logistics, construction, and mining sectors. Whether you are looking to acquire new assets or unlock value from existing ones, our financial facilities are structured around your operational and cash flow needs.
ASSET FINANCE & REFINANCE
At Commercial Fleet Finance, we offer structured asset finance and refinance solutions designed to support business growth while maintaining healthy cash flow. Whether you are looking to acquire new assets or unlock value from existing ones, our finance facilities are tailored to suit your operational and financial requirements.
We finance a wide range of commercial assets, including trucks, trailers, and yellow metal machinery, with flexible terms available for both new and used equipment. Our refinance solutions allow businesses to access capital tied up in fully or partially paid assets, providing liquidity for expansion, operational costs, or improved cash flow management.
With over 30 years of experience in asset-based finance, we take a personalised approach to every application, ensuring efficient processes, competitive terms, and fast turnaround times.
OUR FINANCE PRODUCTS
We offer a range of structured finance products designed to suit different business models and asset requirements.
Finance Lease
A finance lease allows your business to acquire and use an asset while making fixed, periodic payments over an agreed term. You gain full use and control of the asset while assuming the risks and benefits of ownership, making this a practical solution for long-term asset acquisition.
Operating Lease (Rent to Own)
An operating lease enables your business to rent an asset for a defined period, typically shorter than its useful life. Ownership options are available at the end of the finance term, providing flexibility to either retain or upgrade the asset.
Invoice Discounting
Invoice discounting allows your business to access immediate working capital by leveraging unpaid customer invoices. This facility improves cash flow without waiting for customers to settle their accounts.
Floorplan Facility
Our floorplan facilities provide short-term financing for dealers purchasing high-value inventory such as trucks, trailers, and yellow metal machinery intended for resale. This solution helps manage stock levels while preserving cash flow.
OUR APPROACH
A Personalised Finance Approach
At Commercial Fleet Finance, no two businesses are the same. We take the time to understand your operational needs and financial objectives, allowing us to structure finance solutions that truly work for your business.
With streamlined processes, professional guidance, and efficient approvals, we make accessing finance simple and hassle-free.
CRITERIA & REQUIREMENTS
Finance Lease & Operating Lease Criteria
1. Companies with a minimum trading history of one year 2.Assets typically not older than 10 years 3. Finance terms ranging from 12 to 60 months 4. Deposits generally between 10% (existing clients) and 20% (new clients), subject to assessment 5. Interest rates determined by client risk grading 6. Exposure limits structured according to client profile and approval
Minimum Documents Required to Consider Finance
1. Completed finance application form 2. Company background or profile (if available) 3. Bank statements for the last three months 4. Latest financial statements and management accounts (if available) 5. Debtors and creditors list 6. Company asset register 7. Personal assets and liabilities of shareholder(s) 8. Supplier quote(s)