HBV Capital offer different types of funding. You can read about them on this page. If you have any questions please feel free to contact us.

HIRE PURCHASE:  Ownership of the asset

• Finance up to 90% of the invoice value
• Fixed and Variable rates with structured repayments
• Deposit amount and repayments to suit your cash flow
• Customer owns the equipment (title transfers with an option to purchase fee) on completion
• The asset appears on your balance sheet and capital allowances are claimed

FINANCE LEASE: Hire of the asset – Ownership remains with the Funder/Lessor

• The lessor (finance company) will purchase and own the asset
• The lessee (customer) will have use of the asset during the life of the lease
• The customer pays a primary period of rentals or instalments for the use of that asset
• The finance company will recover a large part or all of the cost of the asset and will earn interest from the rentals paid by the customer

OPERATING LEASE: Hire of a proportion of the asset – Ownership remains with the Funder/Lessor

• Generally shorter term funding
• With or without maintenance contract
• Residual value (RV) will be set by the funder or an appointed third party, who will take title at the end of the contract, in exchange for the RV

LOAN:

• Fixed and variable rate/term
• Unsecured funding for a wide range of projects and requirements
• Livestock
• Buildings and fixed equipment