Finance & Leasing

Deker Finance offers the full range of Finance Acquisition packages

At Deker Solutions we have secured Partnerships with main line funders to ensure that we can provide you with the full range of Finance options to match your business needs and requirements.

Finance Lease

Enjoy all the benefits of ownership with spread, fixed payments

Finance Lease brings you all the benefits of owning the vehicle but helps you avoid the usual downsides.

You pay for the asset with spread fixed rentals. Then, at the agreement’s end, the finance company can sells the asset and pays you a major share of the proceeds.

Finance Lease will help you by:
  • Reducing your upfront costs – for a small outlay, the vehicle is available straightaway.
  • Giving you flexible repayments – we can tailor your rental payments to match your cash flow, helping you budget more easily.
  • Offering interest choices – you can choose fixed or variable interest to suit your needs.
  • Reducing your tax payments – you pay VAT on the rental payments, not the purchase price. You can also normally offset your payments against your taxable profit.

Finance Lease is a type of commercial finance solution that enables you to benefit from an asset for a tailored monthly payment. When the agreement ends, we’ll sell the asset and give you a proportion of the proceeds. As finance company owns the asset, we claim the available capital allowances. This helps make your monthly payments more affordable.

Security may be required and product fees may apply.

Hire Purchase

Own your asset and spread the cost

If you like the idea of owning an asset and spreading the costs to help your cash flow, it’s worth considering Hire Purchase.

Hire Purchase – also known as Lease Purchase – gives you the certainty of fixed costs for the duration of the agreement and the option to buy the asset at the end.

Hire Purchase will help you by:
  • Putting you in control – you decide whether to buy the asset or not at the end of the agreement.
  • Giving you flexible payments – you can reduce monthly payments by paying a final lump sum – known as a balloon payment.
  • Offering interest choices – you can choose fixed or variable interest to suit your needs.
  • Reducing your tax payments – you can usually claim ‘writing-down’ allowances and capital grants. You may also offset repayment interest against your profits and reclaim VAT (special rules apply to cars).

Hire Purchase is a type of asset finance solution that brings you exceptional flexibility. We can provide a Hire Purchase solution that suits you, for example, with a flexible deposit, fixed payments and a final lump sum.

Operating Lease

Reduce Risk and Boost your cashflow

Whether you have high-value assets or need specialist equipment to satisfy contracts, you naturally want to reduce risks and costs to your business.

As asset finance specialists, we can provide an operating lease solution that makes us owners of the assets – and frees you from the risk of them losing their values.

How Operating Lease will help you:
  • Fixing your costs – for a set sum, you can acquire and use the asset immediately.
  • Boosting your cash flow – we fix a residual value that reduces your payments.
  • Matching your cash flow – we can tailor your repayments to match your seasonal cash flow.
  • Giving you interest choices – you can choose fixed or variable interest to suit your needs.
  • Taking assets off balance sheet – with Operating Lease, your business could profit from this valuable benefit.
  • Reducing your tax payments – you can reclaim VAT on your assets and usually offset your payments against taxable profits (special rules apply to cars).
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For any questions please telephone 01543 420 121