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Most of your clients – and your own business too of course – will need to invest in assets from time to time. Bank of Scotland Asset Finance works at the heart of the UK economy, enabling businesses of every kind to acquire the equipment, plant or other assets that they need to grow and prosper.
Payments that fit your clients' individual cash flow profiles
Bank of Scotland Asset Finance is dedicated to helping organisations get the assets they need to remain competitive while also protecting their cash reserves.
Over time we've created a range of products to deliver the solutions our customers want. It could be a debt product, a secured loan or hire purchase, ranging right through to rental. Add to this a range of payment options and the result is flexible finance for every kind of asset.
- No deposit
- Low deposit
- Lower payments in the initial months
- Payments deferred during the initial months
- Seasonally reduced payments
- Balloons
Teams that talk your clients' language
Like you it's specialist knowledge and understanding customers that lead to success. We have a group of professionals who deal with general asset finance. This includes high volume, fast turnaround, automated business generating finance for lower value equipment such as photocopiers, small computers and PCs, as well as higher value manufacturing and processing machinery. Bank of Scotland has also created a number of specialist teams who work exclusively with key industries from engineering to printing, construction to transport and so on.
This specialist knowledge is based on understanding the asset types that we finance; the dynamics of the assets, their values, their working life, together with a knowledge of the industries your clients operate in.
Altogether this enables us to deliver support for business growth with fast, flexible finance and specialist industry know-how.
| Industry |
Customer example |
| Engineering, print and packaging, recycling, food processing for example. |
All manufacturing businesses rely on fixed equipment to run their business. We try to show how the right finance packages can help improve profit margins and earnings |
| Major plant and construction |
Cranes, digging equipment, dumper trucks and similar machines are costed on the daily rates they can earn. Our finance solutions can help to reduce daily costs and maximise earnings. |
| Rail, aircraft, marine (business and pleasure), buses, trucks, cars and vans |
Transport operators need to keep their fleets moving. This means keeping vehicles up to date and matching assets to demand. The right finance allows this to happen and ensures that new vehicles are delivered when required. |
| Agriculture |
From tractors to feed and even cows – we finance them all. Farmers operate in very competitive markets; their margins and cash flow need all the help our finance can provide. |
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