Arranging your vehicle finance through coachfinancedirect.com is simple. We offer a variety of finance products to ensure we find the best option for your business.

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Hire Purchase
A simple repayment facility, whereby you take ownership of the vehicle once all of the payments have been made.
- Key features include -
Flexible deposit
Fixed or variable rate payments
VAT on the purchase is usually reclaimable
Capital allowances can be claimed
Asset is shown on balance sheet

Interested in applying for a hire purchase agreement?

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Lease Purchase
Similar to a hire purchase agreement however you can opt to build in a final 'balloon' payment and again take ownership once all of the payments have been made.
- Key features include -
Lower monthly repayments as some of the borrowing is deferred to a final 'balloon' payment.
End option to sell the vehicle and settle the balloon or re-finance the balloon over a fixed term.
Fixed or variable rate payments
Flexible deposit
VAT on the purchase is reclaimable
Capital allowances can be claimed
Asset shown on balance sheet

Interested in applying for a lease purchase agreement?

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Finance Lease
This flexible type of asset finance offers all the practical benefits of ownership, without the potential burdens. The lender owns the assets but gives you full use of them right away, at minimal up-front cost.
- Key features include -
Fixed or variable rate payments
VAT charged on the monthly rentals is reclaimable
Low deposit requirements (no obligation to pay VAT upfront)
Asset shown on balance sheet
Ownership of up to 99% at the end of the term, when you have the option to sell or pay an annual fee to continue your agreement

Interested in applying for a finance lease agreement?

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Operating Lease
Suitable for specialised and higher value assets. The lender owns the asset and takes responsibility of depreciation on the asset. Meanwhile , you get to use it for an agreed period, usually between 3-7 years.
- Key features include -
Fixed payments benefit cash flow due to a built in residual 'balloon' value set by lender
Low deposit requirements (no obligation to pay all of the VAT up front)
Rentals can be set to reflect seasonal trends
Maintenance costs of the vehicle can be built into the monthly payments
Asset doesn't show on balance sheet
VAT charged on the monthly rentals is reclaimable

Interested in applying for an operating agreement?

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Equity Release
Based on a finance lease facility this option allows you to release ant tied up equity from your vehicle. The lender would arrange a lease facility based on the market value of your vehicle and give you a lump sum to assist with your working capital requirements.
- Key features include -
Fixed or variable rate payments
VAT charged on the monthly rentals is reclaimable
Low deposit requirements (no obligation to pay VAT upfront)
Asset shown on balance sheet
Ownership of up to 99% at the end of the term, when you have the option to sell or pay an annual fee to continue your agreement

Interested in applying for an equity release agreement?