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Finance

Northern Commercials work closely with various finance providers, which allows us to find the right solution for your business. Various finance options are available, all tailored dependant on the duration of the contract you require and your business’ budget.

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Finance Options

Northern Commercials work closely with various finance providers, which allows us to find the right solution for your business. What are the main finance options?

Hire Purchase

Hired Purchase allows you to use the vehicle while paying for it, at the end of the agreement you take ownership. The vehicle appears as an asset on your balance sheet from day one. After the final payment, the vehicle becomes yours.

Contract Hire

Means taking control of a vehicle for a fixed period of time, you will pay a fixed monthly fee for the duration of the agreement and then return the vehicle at the end of the contract. Monthly payments are calculated by the looking at the initial cost of the vehicle and the residual value, based on the mileage and age of the vehicle at the end of the contract.

Finance Lease

It means that vehicles are hired to you for a fixed period without the option of ownership, and at the end of the primary period you may choose to continue to rent the asset for a further period at a nominal rate or to act as an agent in its disposal. This means you have the option to sell the vehicle on the finance companies behalf and keep the majority of the proceeds.

Operating Lease

An Operating Lease is a simply a type of long term rental, with a fixed monthly price. Monthly payments are generally lower than a finance lease as the vehicle’s residual value is accounted for in contract. At the end of the agreement you can choose to extend the agreement or simply return the vehicle.

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