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Lease - Get Pricing and Apply Online
A lease is an agreement where one person lets another use something, like a car or an apartment, for a set time in exchange for regular payments. It's like renting, but it usually lasts longer. Want to learn more about how leases work? Just ask!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of Lease?
Leasing is a financial arrangement that allows individuals or businesses to use an asset without purchasing it outright. This is particularly helpful as it offers flexibility in managing finances, minimizes upfront costs, and provides access to the latest equipment or property without the long-term commitment associated with ownership.
Flexibility
Lower initial costs
Access to new assets
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What are the different types of Lease?
Operating Lease
A lease where the asset is not transferred to the lessee at the end of the lease term.
Finance Lease (Capital Lease)
A lease in which the lessee effectively assumes most of the risks and rewards of ownership.
Sale and Leaseback
The owner sells an asset and immediately leases it back from the buyer.
What is a Lease?
What is a Lease?
A lease is a contract between an owner (lessor) and a user (lessee), where the lessee pays for the right to use an asset, such as property or equipment, for a set period, following agreed terms.
Key Types of Leases
There are two main types of leases: a finance lease, where the lessee takes on most of the risks and benefits of ownership and may own the asset at the end; and an operating lease, which is more like a rental with ownership and most risks staying with the lessor.
Sale and Leaseback
A sale and leaseback is when a company sells an asset (like real estate) to another party and then immediately leases it back, gaining cash from the sale while continuing to use the asset.
Real Scenarios
Construction Company Needing Fast Working Capital
Situation
A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.
Challenge
Traditional bank applications were too slow; they needed a decision and funds within days.
Outcome
Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.
Ecommerce Business Preparing for Peak Season
Situation
An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.
Challenge
They wanted flexible terms and a quick turnaround so stock could be ordered in time.
Outcome
Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.
Marketing Agency Using Invoice Finance
Situation
A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.
Challenge
They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.
Outcome
Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.
Property Developer Using Bridging Finance
Situation
A developer needed short-term finance to complete a purchase before selling an existing property.
Challenge
They required a fast decision and flexible terms to align with the sale timeline.
Outcome
Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
FAQ’S
What is asset finance leasing?
How can lease agreements benefit cash flow?
Can schools use leasing in the UK?
What happens at the end of a business lease?
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