The simple and painless way to achieve the finance solutions your organisation needs

welcome to focus asset finance

Focus has specialised in providing asset finance since 1994.

You may be a new venture buying the initial equipment you need to start trading, or a professional partnership upgrading your IT solution; either way we have facilities to suit your individual requirements.

Whether you have a one off purchase that needs arranging the same day, or are working on a large project with a number of suppliers involved, we can help.

You may be surprised at the wide range of assets that can be funded.  You can find more information here


is asset finance right for me?

Growing a business can put significant strain on one finite resource – cash flow!

Using asset finance enables companies to develop and grow, as cash isn’t tied up in business critical assets.

Whether you are looking at one stand-alone item, or a larger project with numerous suppliers involved we will be able to discuss the best way forward, with the aim to saving you time (which we believe to be priceless) and your cash flow.

When is comes to the costs involved, there are many factors to consider, from the type of asset and the cost, to the finance term, deposit if any and the supplier’s payment terms.  

Focus has over 30 years’ experience of helping companies from new starts to multi nationals and household names.

We have always treated each and every customer individually, enabling us to ensure that we have arranged the best possible agreement for that particular customer’s needs.

Amounts: From £3,000 and no upper limit
Finance term: 12 months to 120 months dependent on asset

what will it cost?

There are many variables that affect this so every quote is bespoke to you

benefits of asset finance

Focus can offer you a finance solution to suit your needs for any equipment for £3000 plus VAT or more.  We may occasionally go down to £1000 plus VAT for existing clients.  We cover the whole of the UK and have facilities to suit all of our customers, from start up ventures to PLCs.

Leasing and other forms of asset finance are used by the majority of the FTSE 100 Companies, as well as schools, professional partnerships and many other organisations.

Asset finance is often used instead of outright purchase, as cash is king when it comes to the health of a business. Even the most profitable companies cannot survive with insufficient cash. 

Managers have to ensure they have enough cash to meet their day to day needs, their expansion plans, and reserves to fall back on when business slows down or plans don’t work out.

Your new equipment can be installed and operational without the need for capital expenditure. The cash can then be used where it will produce the best return, such as in investment, operating activities or short term funding needs.

Keep existing banking arrangements, and credit lines free for more appropriate uses. Our finance facilities cannot be withdrawn like overdraft facilities.

Our finance payments are fixed for the whole term avoiding the effects of inflation and making cash flow forecasting and budgeting simpler. Bank facilities are generally related to interest rates, which is fine when they are low but can cripple cashflow when they increase.

Combat obsolescence problems or requirement changes as the equipment can be supplemented or upgraded at any time in the future.

Enable the finance payments to coincide with the benefits of having the new equipment as they start to appear. After all, you wouldn’t pay all your staff costs up front!  Finance payments may be financed as you go along by extra income obtained by having the new equipment. Have equipment at today’s prices paid for from tomorrow’s income.

By utilising the right type of finance for your equipment acquisition you can maximise or accelerate your tax relief.  We will guide you through the options available.

Finally, with equipment leasing you can expect a minimal amount of paperwork, including an extremely short and easy application form to get the ball rolling.

types of asset finance agreement

We would always recommend that you seek your accountant’s advice as to which type of agreement is best suited to your business.

This is likely to depend on a number of factors.

Are you a limited company?
Are you profitable?
Are you VAT registered?
What is the asset and is it new or used?

The options can be very confusing, so please get in touch if you would like to discuss your individual circumstances.

hire purchase

In the past this type of agreement was used more often for “hard assets” such as vehicles and plant than more general business assets.  However more and more businesses are taking up this option on their accountants’ advice.  Focus are knowledgeable on the tax implications of all types of agreement and are very happy to discuss with you, or your professional advisers. 

The VAT on the cost of the equipment is payable up front with this type of agreement, however we can offer VAT deferrals for larger projects so the cash-flow matches your VAT quarter.

To keep the equipment, an option to purchase fee is detailed on the agreement and will be collected with the last payment you make

For accounting purposes you can claim capital allowances on the equipment cost (as if you had paid cash), and tax relief on the interest payable.

finance lease

This type of agreement is accounted for in the same way as “hire or rental” below but is used more often for “hard assets” that have a residual value at the end of the lease, such as vehicles and plant rather than more general business equipment. 

VAT is payable on each monthly payment.

At the end of the finance lease the asset must be sold to a third party, not linked to the company that took out the lease.

hire or rental

This type of agreement is usually used for “soft assets” where there is likely to be no residual value at the end of the finance term. 

As with a finance lease, you take on the risks and rewards of ownership, but never actually own the asset.

All rentals are subject to VAT.  The VAT on each rental can be reclaimed by VAT registered businesses in the usual way.

At the end of the hire period, you do not automatically own the equipment, but through Focus can retain the use of the equipment on payment of a once only secondary rental (usually the same as one extra monthly payment).

For accounting purposes, every rental you pay can be classed as an expense for tax purposes.

4 simple steps to additional equipment


contact focus with your requirements


review and accept the asset finance proposal


review and sign the agreement


take delivery of your new equipment

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