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Asset Finance –

Industry Expertise:

 Agriculture
 Construction
 Engineering
 Manufacturing
 Materials handling
 Packaging
 Print
 Transport and logistics
 Waste and recycling

Types of asset finance offered:

Hire Purchase –

 Fixed monthly repayments, at the end you own the asset

Sale and HP Back –

 Close Brothers buy the asset and finance the asset back over a fixed period with repayments
matching the income stream generated by the asset.

 Available to sole traders or large scale businesses and can be used against most types of
equipment.

Refinancing –

 Based on an asset’s value (whether you own it outright or are currently under an existing
finance agreement) the team will work with you to get the most from the refinance facility.

Finance Lease –

 We seek to recover the full cost of the asset, along with interest, over the primary
agreement term. You will have full use of the asset for its useful life, being responsible for its
maintenance and insurance.

Operating Lease –

 It allows you full use without the burden of ownership.

Mark Gilman - Tel. 0333 200 6151 Mob. 07710 917431 Email. [email protected]
Proposals - [email protected]

Invoice Finance –

Companies Eligible for Invoice Finance:
 Any company that deals business to business, not with the general public.
 The company must be invoicing in arrears and putting their customers on payment
terms (e.g. 30 days).
 They sell to their own customer and don’t act as an agent.

Client Types:
 Limited companies.
 Partnerships and sole traders.
 Start ups.
 Phoenixes.
 CVAs
 MBOs
 MBIs

Industry Types: - just some of the industries they assist
 Distribution – haulage, couriers, freight forwarding, warehouse and storage.
 Wholesale and merchants.
 Manufacturing.
 Engineering.
 Construction.
 Recruitment.
 Printing.
 Cleaning services.
 IT.

Liam Baker - [email protected] – 07545 791125 / 0161 873 5400

Asset Finance –

They assets they will consider both new and used include:
 Printing machinery
 Machine tools
 Contractors’ plant
 Manufacturing machinery
 Cars
 Commercial vehicles
 Buses & Coaches
 Forestry equipment

The types of asset finance they consider are:

Lease Purchase -
 Provides to option of outright ownership at the end of the agreement.

Business Loan -
 Loans are secured on the company’s fixed assets using various forms of security
documentation including chattel mortgages.

Finance Lease -
 Upon payment of an initial rental, the client has immediate use of the equipment.

Operating Lease -
 Simple rental agreement where the residual value risk rests with Five Arrows
Business Finance

Repayment profiles / terms -
 Advances range for £10,000 - £2 million
 Repayment terms from a minimum of 12 months to 7 years
 Repayment profiles can be tailored to meet individual business needs (seasonal
payments or VAT deferment to smooth cash flow etc.)

Carl Johnson - Tel. 01959 580084 Mob. 07884 664614 Email. [email protected]

Asset Finance –

Types of Industry they will look at:

 Agricultural
 Broadcast, Television and Sound
 Cars
 Construction and Mining
 Food Processing
 Furniture (Office)
 Garage Equipment
 Industrial Power
 IT
 Leisure Equipment
 Medical Equipment
 Machine Tools
 Materials Handling
 Mailroom Equipment
 Printing and Paper Processing
 Satellite Tracking Equipment
 Security
 Telecoms (Hardware)
 Textile and Leather Industrial Machinery
 Transportation
 Waste

They will look at almost all types of assets within these industries with only a few
exceptions

John Cullingford Mob. 07825010940 Email. [email protected]

Asset Finance –

Asset Finance:

 Target market is mainly wheeled and tracked assets – standard construction
equipment, agricultural, commercial vehicles, trailers, cars, bus and coach sectors.

 Target customers are sole traders, partnerships & SMEs.
 All business is 100% introduced via Brokers, with no direct sales force.
 A niche lender who are growing their presence in the asset finance market.

Products:

 Hire Purchase and Finance Lease products.
 Re-Finance.
 Funding UK based wheeled and tracked assets.
 Loan size £10k - £750k.
 Term 1 – 5 Years.
 Seasonal payments underwritten.

Brokers:

UTB welcomes introductions from asset finance brokers who hold a Consumer Credit
License and DPA Registration.

Commission Structure:

 8.0%* to UTB - up to 2% broker
 9.0%** - up to 3.0%
 10.0% - up to 4.0%
 11.0% - up to 5.0%
 12.0% - up to 6.0%
 Documentation fee split 50-50 (minimum £200)
 Option to Purchase Fee £100

*Up to 36 months, minimum £25k
**Up to 36 months

Asset Team:

Sales –

Keith Sangwin -Head of Sales M: 07585 772 120 [email protected]
Martin Nixon - Senior Manager T: 020 7190 5597 [email protected]
Paul Taylor - Business Development Manager – Midlands M: 07891 787 572 [email protected]
Mike Bossom - Business Development Manager – South M: 07798 837 293 [email protected]
Gordon McArthur - Business Development Manager – North and Scotland M: 07585 770 141
[email protected]

Credit -

Peter Price - Credit Manager T: 020 7190 5558 [email protected]
Alan Munday - Credit & Collections Manager T: 020 7031 1531 [email protected]
Lee Chandler - Assistant Credit Manager T: 020 7190 5598 [email protected]

Administration -

Sarah Bowyer - Sales Administration Manager T: 020 7190 5553 [email protected]
Rasa Pleikyte - Asset Finance Administrator T: 020 7031 1521 [email protected]
Mobashar Shah - Asset Finance Administrator T: 020 7031 1506 [email protected]
Jasmit Ubhi - Asset Finance Administrator T: 020 7031 1535 [email protected]

Telephone Number – 020 7190 5555
Email – [email protected]
Proposals - [email protected]
Pay outs - [email protected]