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Finance products

Offering a wide range of professions finance products to meet your business needs

Specialising in loans and funding asset purchases, our tailor-made solutions are designed to help businesses grow and develop; we provide access to the equipment, vehicles and technology you need to operate without compromising cash flow.

How Hire Purchase works

Hire Purchase is the smart way to acquire the equipment you need for your business because you get to choose, use, and repay the assets over an agreed period, typically over a five-to-seven-year period, or the useful life of the asset.


The regular instalments cover the capital cost of the asset and the interest. At the end of the term of the Hire Purchase agreement, once all repayments have been made, ownership of the asset is transferred to you.


Click here to find out more about Hire Purchase.

How Refinancing works

Refinancing works by revising or replacing the terms of a single existing credit agreement that you currently have with another provider, which will then be restructured to suit your individual circumstances. 


Click here to find out more about Refinance

How Business Loans work

Business Loans are used to fund investment when you need it and can be used for various purposes, including buying into or starting up a new business, a renovation or simply to cover multiple overheads.


Click here to find out more about Business Loans

How Leasing works

Leasing is a type of asset finance that allows you to use the equipment you need without having to buy it outright at the end of the agreement.


You pay us ‘rent’ for the full use of the asset over an agreed term, which can be tailored to your individual circumstances. Over this period, you will pay the full cost of the asset, including interest.


Then, when you reach the end of the agreement, you can choose to:


  • Continue to use the asset by payment of a nominal annual sum
  • Sell the asset and keep most of the income from the sale
  • Return the asset back to us
  • Sign a destruction notice if the asset has no economic value and is no longer in use and cannot be resold, for example IT equipment 


Click here to find out more about Leasing

How Consolidation Loans work

Consolidation Loans work by combining several existing agreements, including credit card balances and other regular finance repayments, into one agreement to suit your individual circumstances. 


Click here to find out more about Consolidation Loans

How Tax Loans work

Tax Loans are designed to help you manage your cash flow. This unsecured loan works by spreading the cost of your tax bill into more manageable monthly repayments. We can fund personal tax, corporation tax, capital gains, crossover tax and inheritance tax.


Click here to find out more about Tax Loans

How Personal Loans work

Personal Loans are unsecured and can be used for virtually any non-business purpose.


They are designed to suit your individual needs and allow you to budget with confidence because the payments are fixed throughout the term of the agreement. 


Click here to find out more about Personal Loans

  • Hire Purchase

    Hire Purchase is the smart way to acquire the equipment you need for your business because you get to choose, use, and repay the assets over an agreed period, typically over a five-to-seven-year period, or the useful life of the asset.


    The regular instalments cover the capital cost of the asset and the interest. At the end of the term of the Hire Purchase agreement, once all repayments have been made, ownership of the asset is transferred to you.


    Click here to find out more about Hire Purchase.

  • Refinance

    Refinancing works by revising or replacing the terms of a single existing credit agreement that you currently have with another provider, which will then be restructured to suit your individual circumstances. 


    Click here to find out more about Refinance

  • Business Loans

    Business Loans are used to fund investment when you need it and can be used for various purposes, including buying into or starting up a new business, a renovation or simply to cover multiple overheads.


    Click here to find out more about Business Loans

  • Leasing

    Leasing is a type of asset finance that allows you to use the equipment you need without having to buy it outright at the end of the agreement.


    You pay us ‘rent’ for the full use of the asset over an agreed term, which can be tailored to your individual circumstances. Over this period, you will pay the full cost of the asset, including interest.


    Then, when you reach the end of the agreement, you can choose to:


    • Continue to use the asset by payment of a nominal annual sum
    • Sell the asset and keep most of the income from the sale
    • Return the asset back to us
    • Sign a destruction notice if the asset has no economic value and is no longer in use and cannot be resold, for example IT equipment 


    Click here to find out more about Leasing

  • Consolidation Loans

    Consolidation Loans work by combining several existing agreements, including credit card balances and other regular finance repayments, into one agreement to suit your individual circumstances. 


    Click here to find out more about Consolidation Loans

  • Tax Loan

    Tax Loans are designed to help you manage your cash flow. This unsecured loan works by spreading the cost of your tax bill into more manageable monthly repayments. We can fund personal tax, corporation tax, capital gains, crossover tax and inheritance tax.


    Click here to find out more about Tax Loans

  • Personal Loan

    Personal Loans are unsecured and can be used for virtually any non-business purpose.


    They are designed to suit your individual needs and allow you to budget with confidence because the payments are fixed throughout the term of the agreement. 


    Click here to find out more about Personal Loans

Why choose Braemar Finance?

Our people

Our team of experts, who are based across the UK and Ireland, provide a personalised service and respond to customers’ needs quickly and efficiently. Our focus is on building relationships and understanding the needs of our customers.

Our products

Our products and services are designed to support both you and your business. We don’t offer a one-size-fits-all package; instead, we create tailor-made solutions that allow you to invest in your business without compromising cash flow.

Our principles

Our customers are more than just a credit score – we base our lending decisions on the overall health and plans of a business. We have a proud history of supporting our customers through all economic cycles.

Products and services are subject to eligibility, status, terms and conditions and availability. All lending is subject to status and our lending criteria. The right to decline any application is reserved.


Finance is secured against the asset and/or equipment. If you're unable to keep up with your payments we may repossess the asset and/or equipment.


If you miss or expect to miss a repayment under your business/personal/tax loan agreement, please get in touch with us straight away to discuss it with our team. The risks of missing a repayment under your loan agreement are that we may: 

  • Cancel our agreement with you and require you to repay the full amount of the loan immediately
  • Disclose information about your loan to the credit reference agencies
  • Set off any amounts you owe us under the agreement against any funds you hold with us in other accounts
  • Take enforcement action against you to recover any amounts you still owe if necessary
  • Restrict your access to any other credit facilities you have with us and require you to immediately repay those facilities
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Finance Products | Braemar Finance