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Accountancy finance

We provide tailor-made loans for accountants designed to help your business succeed. Regardless of the size of your firm we can help you whilst maintaining your working capital.

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Accountancy finance to help your business succeed

We can help you build a successful business, as our funding is available for start-up businesses and established firms. As an accountant you understand the need to protect your assets and plan for the future, ensuring that your cash flow is healthy and doesn’t endanger any existing credit lines. We offer finance via accountancy loan, hire purchase or a lease agreement dependent on your individual circumstances.

Accountancy finance agreement types

Our range of Hire Purchase, Leasing and Loan products allow for fixed monthly repayments enabling you to budget with confidence whilst enhancing your cash flow.

    Hire Purchase

    Hire Purchase allows outright ownership of the asset and enables you to spread the cost over a term that suits you.

    • Expenditure may be allowable against taxable profit within your Annual Investment Allowance in the year of purchase to the sum of £1,000,000
    • Easier cash flow budgeting as repayments are fixed
    • Capital preservation - existing funds can be used elsewhere
    • Interest charges can be offset against profits for taxation
    • Outright ownership on completion of the agreement
    Leasing

    If you want to maximise the use of your equipment without the responsibility of owning it, leasing will give you the freedom and flexibility you need.

    • Easier cash flow budgeting as repayments are fixed
    • Capital preservation - existing funds can be used elsewhere
    • No upfront deposits required
    • Protection of existing credit lines, making any further borrowing easier
    • Fixed payments - tailored to suit your individual circumstances
    • Tax efficient - repayments may be offset against taxable profit
    • Up to date equipment - be ahead of your competitors
    Business loans

    When buying into or starting up a new business, you may need to borrow funds to support the purchase or invest in renovation.
     
    Business loans can be used for:

    • Case acquisition finance

    • Refurbishment projects

    • Capital injection / release

    • Buy in / buy outs

    • Aged-debt and PII Premiums

    • Block fees

    • Disbursements

    • Equity

    • Practising certificates

    Tax loans

    Tax loans permit you to spread the cost of your tax demand into affordable monthly payments.

    Benefits of a tax loan:

    • Control of cash flow

    • Fixed monthly payments

    • Faster Payments

    • Protects existing bank facilities

    • Quick and simple to arrange

    • Flexible repayment terms

    • HMRC receives funds on time

    Personal loans

    A personal loan is a form of borrowing that can be used for virtually any purpose which is both easy and convenient and allows you greater flexibility.

    Personal loans can be used for purposes such as:

    • Tax bill funding
    • School fees
    • Home improvements
    • Weddings
    • Holidays
    Consolidation loans

    If you have a number of existing agreements, credit card balances and other regular finance overheads, a consolidation loan may be the way forward.

    Benefits of consolidation and refinancing:

    • Combines finance commitments
    • One monthly payment
    • Term of agreement to suit
    • Simplifies cash flow
    • Improves budget control
    VAT loans

    VAT loans allow you to spread the cost of your tax liability into affordable monthly payments.

    Benefits of a VAT loan:

    • Take the pressure off working capital
    • Smooth cash flow peaks and troughs
    • Fixed monthly payments
    • Quick and simple to arrange
    • Can be paid directly to HMRC

    Typical uses for finance within the accountancy profession

      IT finance

      Our IT finance solutions ensure that the applicable tax advantages are taken into consideration when looking at the funding you require. All related costs can be combined under one agreement, offering easier management of your cash flow.

        IT finance can be used for:

        • Updating hardware / software
        • New monitors, keyboards and mice
        • Scanners / photocopying machines
        • Tablets and iPads
        • Operating licences and renewals
        • IT system installation
        • Training
        • Maintenance
        Vehicle finance

        We are experienced in all aspects of new and used vehicle finance. We can help you upgrade your existing vehicle, buy an additional car or a fleet for your business and we can provide a finance package, incorporating balloon payments or refinancing, whatever your circumstances require.

          Vehicle finance can be used for:

          • Buying a second car
          • Change of existing vehicle
          • Purchase of a classic car
          • Purchase of a fleet of vehicles
          • Releasing equity from your existing fleet

          Contact us today

          We can also offer our services to your professional clients. Get in touch today to find out how we can help you.

          Get in touch

          Accountancy finance client testimonials

          My clients are keen to keep their practices up to date with new equipment, computers, practice design etc.
          They need finance for personal reasons too, new cars, consolidating personal borrowings, the list is endless. I refer my clients to Braemar because I know they'll get a good deal every time.

          Linda Giles

          Specialist accountant and business advisor to dentists

          As a Chartered Accountant in practice, specialising in advising dentists, whenever the subject of lease finance arises then I recommend Braemar Finance without hesitation.
          They have a thorough and in-depth understanding of the profession going back many years and are able to process and agree applications with the minimum of fuss.

          Nick Ledingham

          Chartered Accountant, Morris & Co