What's Right For Your Business 

Financing options. What's right for you? 

Finance is a great option for individuals and businesses. This improves your cash flow, makes your purchase more affordable and often allows for an immediate return on your investment. There are various different types of finance available on the market today. Here at Performance Finance, we offer the following financial solutions to suit a range of different needs at competitive, fixed rates. 

Hire Purchase 

 
Fixed rates, up to 7 year repayment terms, unsecured and fast credit approvals ensure this popular facility works well for clients wishing to maximise their capital allowances in the first year of purchase. 
 
Hire purchase through Performance Finance will offer stable cash flow and peace of mind. By spreading the cost of your acquisition you can gain a return on investment immediately and in turn help the growth and development of your business. 
 
The benefits in applying for Hire Purchase include: 
 
Ability to afford the best equipment solution for your business/practice. 
Payment in monthly or quarterly sums: Taking a hire purchase agreement is a great option for professionals who would like to purchase equipment, without deteriorating cashflow. 
Competitive Rates: As we only deal with professionals our rates are highly competitive. 
Fixed rates: All our agreements have fixed rates, so they’re perfect for those who want stable overheads and fixed costs. 
Ownership: If you’d like to gain full title of your equipment, then hire purchase financing is for you. Every payment you make goes towards the cost of your equipment until you have full ownership. 

Lease/Leasing 

 
Our popular leases have fixed rates and flexible terms. 
Leasing is very popular for professionals and it can be used for equipment, IT, furniture and refurbishments. 
 
A lease is a rental agreement with fixed rates and flexible terms. It often provides improved tax efficiency and VAT benefits for a practice and this is why it is so popular. 
 
The benefits to taking out a Lease with Performance Finance are: 
 
Improve your cash flow: A lease agreement is an example of a perfect solution for professionals who require equipment but don’t want to pay for it all in one go. 
Affordable and low risk: Our leasing agreements are flexible and have fixed rates, so they’re ideal for individuals who need an affordable, risk-free solution. 
Tax benefits: Leasing equipment often means improved tax efficiency for your business. 
VAT benefits: VAT is also spread over the term so for partially exempt businesses like Opticians this can be very advantageous. 
Replace or upgrade your equipment: One of the most significant benefits of a lease agreement is the ability to upgrade or replace your equipment either during the contract or at the end of the contract. 
Fixed Term: Unlike some others all our contracts finish after a specified term e.g. 3 years. They do not continue indefinitely. 
Up to 7 year term: We can provide terms from 3 months to 7 years. 
Competitive Rates: because we only deal with professionals our interest rates are highly competitive. 
At the end of the fixed term ownership can be made available. 
 
For Opticians in particular, there is often a compelling VAT benefit to leasing which can save you £1,000’s. Please ask for further details. 
 
Our credit approvals are fast and easy, which allows our clients to concentrate on running their businesses. 

Personal Loans 

Our range of personal loans are perfect for life’s big moments. Home improvements, holidays, home extension, weddings. Whatever you require we can provide the financial backing for you. For professionally qualified individuals we can provide up to £200,000 completely unsecured. 

Business Loans 

Business loans via Performance Finance are a fast and flexible option for all business development needs; practice acquisition, refurbishment, website, partner buy-out or simply a deposit for your new premises or new business. 
 
Terms are usually between and 1 and 5 years and best of all no security is required. 
Speak to one of our expert advisors on: 01536 52 96 96 or contact accountant@perfin.co.uk 
 
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