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Home > Equipment Finance

Clear Equipment Finance

it makes total commercial sense

One point of contact with access to the markets full array of financial solutions. If you’re looking for highly competitive terms, you’ve come to the right place!

Apply for Equipment Finance
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We secure you preferential rates from over 60 handpicked partners.
We are FCA regulated, so you know you’re in good hands.

Aldemore
BNP Paribas
Close Brothers
Funding Circle
Grenke
Hitachi
Investec
Iwoca
Liberty Leasing

Equipment Finance

we can help get your business moving in the right direction

Equipment, we can all agree it’s one of the first things a business will acquire when expanding, even before employing people just like you and me. Whether it be a laptop or an industrial piece of machinery, they are usually vital to the company’s existence. That is why Clear Equipment Finance is at the heart of our company, it’s what we were built on and we understand why getting the
best terms possible is vital to your business.

Get access to the equipment your business needs, without compromising your cash flow.

Key benefits

There is no asset we won't consider from tangibles to intangibles, even 100% software. The team at Clear finances a wide variety of capital equipment across all market sectors.

  • VAT deferrals
  • No deposit required
  • Upgrade at any point
  • Fixed repayments (Monthly, Quarterly or Annually)
  • Terms from 1 – 7 years
  • Seasonal payments (pay less during your quiet months)
  • Guaranteed ownership
  • Payments are 100% tax deductible
  • Settle at any point you are not locked in
  • *Please refer to each individual product (leasing or hire purchase) to see how these benefits relate to your application.

*Please refer to each individual product (leasing or hire purchase) to see how these benefits relate to your application.

We can even provide equipment finance for 100% software

Equipment finance explained

here’s your options

  • Leasing
  • Hire Purchase
  • Operating Lease
  • Refinance

Leasing

Ideal for those looking to protect themselves against asset depreciation or where ownership isn’t necessary. With a lease agreement you are effectively renting the equipment for an agreed term with the option to upgrade at any point, ensuring your business always has the latest kit. Acquisitions with leasing allow you to minimise or even remove upfront fees and also spread the VAT over the length of the contract. Instalments are pre-set, allowing you to more effectively forecast outgoings. You will always get the option to continue using the equipment at the end of the term.

Discover Leasing
Equipment Finance

Hire Purchase

In a nutshell, a Higher Purchase agreement contains the option to
purchase the asset at the end of the term for a pre agreed fee. Higher
Purchase is a common choice for businesses looking to avoid the large
upfront outlay associated with acquiring assets that have a high
residual value. Breaking down the expense over time will help to
protect your cash flow while you’ve got the added comfort of knowing
your repayments are contributing to your eventual ownership. At the
beginning of the agreement, an initial deposit is usually paid, the
amount of which can vary, for example, you might choose to pay a
higher deposit in order to reduce the on-going monthly payments.

Get your equipment finance quote

Operating Lease

An operating lease is typically reserved for assets that are not prone to rapid depreciation and where the client has no need for ownership. To calculate the repayments on an Operating lease the funder will estimate the future value of the equipment, alternatively known as the Residual Value.

The total rentals repayable are based on the total cost less the residual value. Subsequently the repayments are lower and more attractive to the lessee. Effectively the finance provider has projected that at the end of the lease term the equipment will have a resale value higher than the residual value, therefore covering the shortfall. For this reason the operating lease term will always be shorter than the expected life cycle of the asset.

Get your equipment finance quote

Refinance

Thousands of companies every year benefit by releasing capital from
their (unencumbered) assets, receiving a massive cash flow boost to
grow and expand their business. Alternatively, if revenue from a recent
equipment investment is slower than anticipated, re-finance is a way of
releasing the cash back into your business bringing ROI into reach.
Whatever the reason, a cash injection from the equipment you
already own could be a viable alternative to traditional forms of
funding. You will also have the added comfort of knowing you crucially
still retain usage of the asset.

Get your equipment finance quote
Leasing

Leasing

Equipment Finance

Ideal for those looking to protect themselves against asset depreciation or where ownership isn’t necessary. With a lease agreement you are effectively renting the equipment for an agreed term with the option to upgrade at any point, ensuring your business always has the latest kit. Acquisitions with leasing allow you to minimise or even remove upfront fees and also spread the VAT over the length of the contract. Instalments are pre-set, allowing you to more effectively forecast outgoings. You will always get the option to continue using the equipment at the end of the term.

Discover Leasing
Hire Purchase

Hire Purchase

In a nutshell, a Higher Purchase agreement contains the option to
purchase the asset at the end of the term for a pre agreed fee. Higher
Purchase is a common choice for businesses looking to avoid the large
upfront outlay associated with acquiring assets that have a high
residual value. Breaking down the expense over time will help to
protect your cash flow while you’ve got the added comfort of knowing
your repayments are contributing to your eventual ownership. At the
beginning of the agreement, an initial deposit is usually paid, the
amount of which can vary, for example, you might choose to pay a
higher deposit in order to reduce the on-going monthly payments.

Get your equipment finance quote
Operating Lease

Operating Lease

An operating lease is typically reserved for assets that are not prone to rapid depreciation and where the client has no need for ownership. To calculate the repayments on an Operating lease the funder will estimate the future value of the equipment, alternatively known as the Residual Value.

The total rentals repayable are based on the total cost less the residual value. Subsequently the repayments are lower and more attractive to the lessee. Effectively the finance provider has projected that at the end of the lease term the equipment will have a resale value higher than the residual value, therefore covering the shortfall. For this reason the operating lease term will always be shorter than the expected life cycle of the asset.

Get your equipment finance quote
Refinance

Refinance

Thousands of companies every year benefit by releasing capital from
their (unencumbered) assets, receiving a massive cash flow boost to
grow and expand their business. Alternatively, if revenue from a recent
equipment investment is slower than anticipated, re-finance is a way of
releasing the cash back into your business bringing ROI into reach.
Whatever the reason, a cash injection from the equipment you
already own could be a viable alternative to traditional forms of
funding. You will also have the added comfort of knowing you crucially
still retain usage of the asset.

Get your equipment finance quote

Trusted by over 15,000 businesses across the UK and counting

We work tirelessly to ensure that your business gets the right funding at the right price, that is why a large percentage of applicants become regular Clear Business Finance customers.

Discover Why Businesses Choose Clear
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"Clear are price competitive & provide a fast, efficient & friendly service"

Anthony (MD), August 2020
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What to expect

A dedicated account manager will be with you every step of the way.

Quotes are free and provided in minutes

you can expect to receive an email or SMS depending on your chosen method. Alternatively, a member of our knowledgeable team will be in touch if we need to ask a few more questions.

If you choose to proceed with your quote

your documentation can be issued digitally and processed via eSign in minutes. We do also offer traditional paper copies but we encourage you to think of the planet!

Funds can be released in as little as 24 hours

That’s it! Simple! We will pay your supplier directly once
you’ve received your equipment.

Career
95% Approval Rate
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We are FCA regulated so you know you’re in good hands.
To proceed with any quote issued we will require the equipment’s full description, make, model, age and the equipment supplier’s invoice. However, first of all let’s get your industry leading and personalised finance quote ready so you can see what we’re made of.
95% Approval Rate
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Equipment finance for any purpose

Example cases for soft and hard assets
Hire Purchase

"Acquiring assets on finance with the support of Clear enables me to grow my business in a sustainable way."

View Case Study
Leasing

"I know where I stand when our finances are in place. Clear. It's in the name."

View Case Study
Leasing

"Annual software subscriptions were becoming a barrier until we found the answer in Clear."

View Case Study
Operating Lease

"Clear went the extra mile securing a fully compliant Operating Lease for our client."

View Case Study

We are here to help

Still have questions?
Why not speak to a real person!
Expert help, whenever you need it.

Call us:
01277 239943

Opening hours (Exc bank holidays)
8:30am - 5:30pm Mon to Thu
9am - 5pm Friday

We are here to discuss your options, assist with existing agreements and are more than happy to take applications over the phone.

Alternatively, here you will find the answers to some
frequently asked questions relating to our products and services.

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Check your business’s eligibility -
it's completely risk free!

  • Learn More
    • About Clear
    • Meet The Team
    • Careers
  • Products
    • Equipment Finance
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  • Offering Finance
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  • Finance Explained
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Suite 6, Ripon House, 35 Station Lane, Hornchurch, Essex, RM12 6JL

Clear Business Finance is the trading name of Clear Asset Finance Limited, registered in England, company number 07462914.
Authorised and regulated by the financial conduct authority under registration number 668175. Clear Business Finance is an independent finance broker not a lender.

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