Finance4.com: Construction Finance Specialists We Finance
Hire purchase, Finance lease, Operating Lease, Contract hire, Re-financing, invoice discounting, Insurance


Our full list of products and services. Please click on the links below to uncover more information about our service.

For the services marked with* the law dictates that you must be contacted by a fully qualified FSA representative. Finance4 and Lindsay Finance Limited are authorised introducers of these services and you will be contacted direct by someone who is fully qualified to discuss these matters in detail.

Hire Purchase

Sometimes referred to as HP. A method of paying for something in which the buyer pays part of the cost immediately and then makes small regular payments until the debt is completely paid. Ownership generally passes at the end of the contract upon payment of a small option to purchase fee. Can be fixed or variable rate interest. Repayments are generally monthly, quarterly or seasonal to suit your cashflow.

Finance Lease

A legal agreement by which money is paid in order to use a piece of equipment for an agreed period of time. Ownership remains with the funder however the asset is shown on your balance sheet and you may be entitled to a rebate of your rentals on disposal of the goods. After the Primary Period of a lease you can also continue to use the asset indefinitely by paying a small annual rental, often referred to as a "peppercorn" rental.
VAT is paid monthly and rentals are fully Tax deductible.

Operating Lease

Sometimes referred to as "off-balance sheet" funding.
Usage is paid for rather than ownership for a given period with the goods normally being returned to the supplying dealer or manufacturer at the end of term. Rentals are fully Tax deductible and typically lower than Hire Purchase Repayments, improving your cashflow. Return Conditions will apply and you should always seek the advice of your Accountant / Tax advisor prior to entering into this type of agreement.

Contract Hire

As per "Operating Lease" but generally with repairs, maintenance and/or servicing incorporated by the supplying dealer.

Re-Financing

Raising of funds against owned or unencumbered assets. Equity raising against partly owned assets. Contact us for further details.

Invoice Discounting

Invoice discounting allows your business to release working capital. It provides cash by releasing (up front) a percentage of the value of unpaid sales invoices within 24 hours of them being raised. The balance is then made available when your customers settle their outstanding debts. Can be on a confidential or disclosed basis. Contact us for further details.

Construction Insurance*

Physical Damage Cover, Theft, Public Liability, Employers Liability, Contractors All Risks.
We are appointed introducers of specialist insurance firm Brown Bevan Insurance Brokers who are authorised and regulated by the Financial Services Authority. Click here for a quotation or further information.

Life Cover*, Mortgage Protection*, Critical Illness Cover*

We are appointed introducers of specialist insurance firm Bretlands Financial who are authorised and regulated by the Financial Services Authority. Click here for a quotation or further information.

Commercial Mortgages*

We have access to all types of funding facilities for commercial premises, land buildings etc. Contact us for further details

Equipment Valuations And Inspections

We work closely with experienced valuers of equipment to deliver accurate market valuations for you. If you are looking to value you own fleet of equipment or looking for a second opinion on any current valuation, we may be able to help you.
If you are a bank or financial institution that is seeking to inspect mid term assets, value end of term leased assets, set future residual values or you simply require a desktop valuation just contact us for our current scale of fees and prices

Audit / Consultancy Work

We have extensive experience in carrying out audits and pre-audit work of rental and hire companies in the construction sector. If you are a financial institution seeking a specialist report of a particular customer or an end user seeking a pre-audit report or second opinion then contact us for a quotation now...

Buy / Sell Construction Equipment

We don't compete with any of the dealers that we work with but often we are asked by customers to find them a particular new or used machine given the contacts we have. We also have longstanding relationships with experienced people who underwrite used construction equipment. Often it is the "trade-in" machine price that hinders a new sale from going ahead. We may be able to help you obtain a better price and keep all parties happy.
We do not ask for a fee for this service! All we ask for is a chance to finance your purchase should we help you find the machine you are looking for or help you move the trade-in machine at the price you were hoping for.
 
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