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We’re ready when you are

We understand that situations may not always go as expected and practices may need to adapt their plans and direction.

At Braemar Finance, we support practices with finance solutions that can protect business cash flow now and help you plan for the future.

Our tailor-made equipment finance solutions are designed to help with the growth and development of individual businesses, providing access to the equipment, vehicles and technology needed to operate without compromising cash flow.  Plus, our range of unsecured loans can be used for virtually any purpose.

    Our range of Unsecured Loans can provide access to additional funds for a variety of purposes, giving you greater flexibility.

    Our tailor-made packages are designed to accommodate your needs allowing you to budget with confidence as the payments are fixed throughout the term of the agreement.

    We provide Business Loans, Personal Loans, Tax Loans, VAT Loans, plus Consolidation and Refinancing Loans.

    Our Unsecured Loans can be used for:

    • Practice refurbishments
    • Tax bill funding
    • Buy-ins/Buy-outs
    • Acquisitions
    • General cash flow purposes

    A Hire Purchase agreement allows outright ownership of the asset at the end of the agreement term.

    In addition, the asset may potentially be claimed against your taxable profit, under your Annual Investment Allowance, which is an advantageous tax benefit that should be explored.

    Benefits of Hire Purchase include:

    • Expenditure may be allowable against taxable profit within your Annual Investment Allowance in the year of purchase to the sum of £200,000 to £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

    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

    Ask us, we’re here to help.