Finance solutions that fit
Many companies base their lending decisions on ticks in boxes. But at Pinewood we look at things differently, and our approach is more flexible. Drawing on all the experience of asset financing we’ve acquired since the mid-seventies, our aim is to help you create an individual bespoke finance solution that’s based on what’s best for you, not on standard terms that don’t fit. Not only do we make a point of adding value to every one of our client relationships, but we set out to exceed your expectations with the highest level of service.
Raising capital the hard way
Naturally, investment in your own business suggests an element of capital outlay. But, without it, how quickly will your business grow? Unfortunately, the very thought of increasing your borrowings can make your blood run cold. Aren’t your bankers bound to require more security?
... or the easy way
Have you considered alternatives, such as raising capital from unencumbered assets, or releasing equity by re-financing existing assets? These solutions have advantages that are well worth looking at. Firstly, your existing banking facilities or credit rating are not affected; secondly, you can use the capital in a variety of ways to further your business aims by, for example:
- Cutting your business overdraft
- Trimming down your existing repayments on vehicles, plant or machinery
- Reducing other capital payments
- Investing in sales promotions or marketing to stimulate growth and further development of the business
All kinds of asset can be refinanced, including:
- Cars
- Commercial vehicles
- Plant and machinery
- Earth-moving machines
- Forklift trucks
- Buses, coaches and HGVs
- Marine craft/equipment
- Computers
- Construction and engineering
- Printing equipment
Typical Clients
Pinewood’s refinancing client base is wide-ranging: from individuals, sole traders and partnerships to limited companies, public liability companies and local authorities.
Status no object
We will take on:
- New businesses
- Established businesses
- Individuals
- Problematic credit histories
Finance Options
Contract Hire
Fixed monthly payments
Flexible agreement terms
Vehicle maintenance option |
Benefits
Eliminates risk of asset depreciation
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Hire Purchase
Total control
Flexible repayments
Fixed or variable interest options |
Benefits
Tax advantages |
Finance Lease
Low initial up-front costs
Flexible repayments
Fixed payment terms |
Benefits
Tax advantages |
Lease Purchase
Low initial payment
Flexible repayments
Includes residual value |
Benefits
Tax advantages |
Marine Finance
Marine Mortgage or Unsecured Loan
Fixed monthly payments
Interest is charged daily |
Benefits
No fee for early repayment |
Personal Contract Purchase
Fixed monthly repayments
Low deposits
Guaranteed future value |
Benefits
Option to buy |
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