Base Camp https://www.commercialandasset.co.uk/index.html

Your premier choice for money loans in Paisley, Scotland, Scotland's leading money brokers, get a business loan, get a loan, Leading finance solutions Paisley, Trusted money borrowing, money borrowing, money borrowing for business.

Stop thinking about HIGH STREET BANKS they don't want you - Take control and steer your ship.

We can help with our NO NONSENSE Business Finance - Power Up - This is your business we're talking about here..

We're here to support and enable your success, guiding your business towards its goals.

Please Note! We are a Broker and not a Lender

You'll appreciate the crucial role we play in your future.

Our commitment to a no-nonsense approach in business requirements has sustained Commercial & Asset's success for over fifteen years. Join the ranks of those who have achieved absolute peace of mind.


Commercial and Asset Finance Ltd are regulated by the Financial Conduct Authority (registered number: 729014)
Commercial and Asset Finance Ltd are registered in Scotland number SC334879

Our Tool Kit https://www.commercialandasset.co.uk/ourtoolkit.html

Unlock possibilities, but which service?
In the world of business, there are countless types, with your requirements holding equal significance. There could be different needs on your mind beyond what's listed here, so don't hesitate to ask; our aim is to ensure your complete happiness
Ours and your Tool Kit
Below are just nine services that we primarily handle, if your specific needs aren't listed, please reach out to us.

HIRE PURCHASE
This is the most common type of loan product we offer.Used to purchase items of plant, equipment, machinery and vehicles. Loans are taken out over periods ranging from 12 months to 84 months. Monthly, quarterly, bi annual and annual payment profiles are allowed. The full vat is always paid upfront although we do offer vat deferrals on certain deals. The customer gains ownership of the asset at the end of the agreement once all payments and an option to purchase fee is paid. The asset sits on the Balance sheet of the customer and the hire purchase interest charges are a cost in the profit and loss account. Customers can use the super tax 130% allowances against any hire purchase agreements taken out in the current tax year.

OPERATING LEASE
This product is common in the coach and transport industry. The client rents an asset from the funder for an agreed period of time which is generally tied into a contract period. The funder offers a low rental to the client by determining a future value of the asset which is incorporated in to the agreement as a residual value payment. The client pays vat every month along with the monthly payments and can claim these back. The asset is never owned by the customer and does not appear on the Balance Sheet. At the end the customer can purchase the asset if they choose for the residual value agreed at the start

FINANCE LEASE
Unlike hire purchase, ownership never passes to the named Customer/Hirer on a lease agreement. The customer effectively rents the asset for a predetermined period of time from the finance company.
• At the end of this period the hirer traditionally has 3 options -
• Retain the use of the asset by paying a secondary period rental.
• Sell the goods to a third party on behalf of the finance company.
• Return the asset to the finance company. Sale and Leaseback or (HP) Back If vehicles or equipment have been purchased outright by a customer using their own cash flow it is possible to fund these assets either by Hire Purchase (England Only) or Lease provided the transaction is completed within a maximum of 90 days of the goods being purchased.

VAT & TAX LOANS
Spread the cost of your Corporation Tax, Self-assessment, VAT and Professional Indemnity Insurance.
• A fixed transaction fee is added to your finance amount and spread throughout your repayment term.
• No hassle of complex application forms or supporting projections.
• A new unsecured credit line
• Preserve the cash available to invest in your business as additional working capital.
• Pay your tax, VAT and Professional Indemnity Insurance bills in manageable monthly instalments rather than one lump sum with flexible repayment terms over 3, 6, 10 or 12 months to suit your budget.
For full information come and speak to one of our brokers.

ASSET FINANCE
This is the most common type of loan product we offer. Used to purchase items of plant, equipment, machinery and vehicles. Loans are taken out over periods ranging from 12 months to 84 months. Monthly, quarterly, bi annual and annual payment profiles are allowed. The full vat is always paid upfront although we do offer vat deferrals on certain deals. The customer gains ownership of the asset at the end of the agreement once all payments and an option to purchase fee is paid. The asset sits on the Balance sheet of the customer and the hire purchase interest charges are a cost in the profit and loss account. Customers can use the super tax 130% allowances against any hire purchase agreements taken out in the current tax year

BRIDGING LOANS
These loans are short term up to a maximum of 18 months but generally taken out over 12 months. Interest is charged on a monthly basis and added on to the loan amount borrowed. In some cases the customer may not have to make any monthly payments and the amount charged is simply paid at the end with the loan. Some companies may charge interest only payments for the period. These loans allow customers to purchase a site or property quickly and gives them time to sort out a standard secured loan within the agreed period. The value of the loan is based on a standard valuation and will be around 60% of market value. The customer must have a reasonable exit strategy either by way of sale or financing.

SECURED LOANS
We are able to offer a range of loan products to allow companies to purchase commercial premises. Loans are from £50k upwards and are secured against property. Terms range from 5 years to 25 years and the period is based on the lenders affordability calculation. These loans are flexible and the customer can make over payments at any time to reduce the balance owed. The maximum LTV (loan to value) available is 70% but lowers to 60% on deals over £1m. Payments can be done on an interest only basis or capital and interest.

UNSECURED LOANS
We are able to offer unsecured loans up to £350k. Periods range from 12 months to 72 months. These products are available to companies who have at least 3 years trading and are showing a positive trading position. Loans of over £50k are reserved for companies who's directors are home owners.

STOCKING LOANS
These loans are specifically geared up for companies who are looking to purchase stock to sell on. This may be vehicles, or items of plant and machinery. Effectively a loan is offered to clients for an agreed amount which allows them to buy stock. The loan is a revolving facility and interest is only charged on the amount of the loan utilised. As units are sold these are replaced by new ones and this continues on an ongoing basis. The credit limits agreed are reviewed on an ongoing basis.

Disaster Averted https://www.commercialandasset.co.uk/disasteraverted.html

Caithness Farmer
A Caithness Farmer was looking to purchase a second hand Massey Ferguson Baler which he could purchase now having got a bit of money in after the harvest. He specifically wanted a long repayment period and seasonal payments so he could pay for it each year after the harvest. We set up annual payments in advance over 6 years which ticked all his boxes and he was delighted.

Haulage Contractor - Western Scotland
We had a small Haulage Contractor in Western Scotland that ran 2 trucks but had gained approval from Vosa for an additional 2 trucks as they had won a new contract for civil engineering and tipping work from a quarry on a remote island in the West Coast of Scotland. He was wanting to buy a second hand tipper from a long established private company in the North of Scotland as they were wanting to sell their existing tipper privately whilst they waited for a new one. We were able to step in and help him - not only by sorting out the finance with the supplier being a Private company and not a recognised truck Dealer but we also deferred the Vat and let his business fund the truck over the 5 years that his contract was over. This worked in well with his cash flow requirements.

Aberdeenshire Farmer
An Aberdeenshire farmer was spending too much money on expensive fertiliser but could actually be more efficient if he could spread pig manure straight into the ground. Modern slurry tankers were able to help him achieve this and fertilise his land however a new slurry tanker was a large investment in the present climate at £62,000. We were able to sort him out with a minimal deposit, defer his vat and spread the cost over 7 years which worked well into his cash flow. His accountant was also able to take advantage of the boosted 130% First year writing down allowances

Shetland Plant Hire Company
We as a Company boast that we do business all over the UK and that is true. I am currently working with a Shetland Plant Hire company buying a second hand digger again in a private sale situation from another Shetland company we currently deal with. Our customer is based in Shetland's most northernly island of Unst. This will undoubtedly be our most Northern customer but then again Unst is further north than Oslo in Norway !!!!

Hampshire - New Holland Tractor
An Existing customer down in Hampshire was looking to buy a second hand New Holland Tractor at an Auction in Aberdeenshire. He has had to travel this far to find the right tractor at the right price. He heard about this "closed sale" from a contact of his as a farmer was selling up his farming business. We talked to our customer and got all the details to set up an Approval in advance so that he knew what he had to spend whilst bidding at the auction and when he secured the tractor as the winning bidder, we were able to put the finance in place immediately with no delays in the auction house getting payment and our customer was able to gain quick delivery of his purchase and put it to work quickly on its first job. With New and Used assets being very scarce just now our level of flexibility and ability to react quickly can assist customers who are perhaps looking to purchase in private sale situations or from Auction Houses. We of course handle finance where New and Used assets are being supplied by traditional Vehicle and Plant Dealers.

Bank removed overdraft facility
A customer called us in a panic after the bank gave them the devastating news that they were removing their overdraft facility with immediate effect. As many businesses do, they had utilised this facility for many years and had come to depend on it for ensuring cash flow was maintained. Removing their overdraft facility could have signalled the end for this long established family run business however the customer approached us for help and that is exactly what we did. Via one of our lenders, we were able to complete an application, get an acceptance and more importantly have the money paid in to the customers bank within 7 working days. We secured enough money to enable the customer to pay off the overdraft facility without any impact on the business and give them a working capital boost.

Customer gone out of business owing our customer money
One of our very good customers contacted us in December to say they were given the devastating news that one of their large customers had gone out of business owing them in excess of £100k. Our customer was relying on this payment to enable them to pay staff their Christmas wage. This was the worst possible news our customer could have received but they contacted Commercial and Asset for help. We felt the best way forward was to refinance assets to raise money. Our customer owned a number of items of plant and machinery and had several others which had small finance balances due. We cleared these small balances off and did one new loan for the company secured against these items of plant and machinery. Importantly the deal was concluded very quickly and the money was in the bank within 5 working days and this enabled the wages to be paid as normal without any impact to the business.

Young Business Looking To Expand.
We were referred to a new customer who had only been trading for 12 months and was looking to purchase a number of vehicles and plant and machinery to help with business growth. The customer contacted Commercial and Asset after his bank had refused to lend them money as they classed their business as too young. Fortunately we know a number of funders who are happy to help young businesses grow. We were able to secure funding through several funders enabling the assets to be purchased and at the same time building the customers credit history. Building their credit history stood the company in good stead. They have grown over the last few years purchasing many additional items of plant and machinery all funded quickly and easily by Commercial and Asset's panel of lenders.

Windows and Doors Company
A new client introduced to us by our dealer was diversifying and setting up a manufacturing facility producing windows and doors. They contacted their bank and another local broker but got no response, just questions. We got a straight acceptance for £250k and then a second lender did a second batch of machines for £300k. We have since done several more deals for this customer.

A Long Time Client
A client was buying a batch of equipment for a new production line. Although most of it was new the largest part which was worth £75k was refurbished and 2002, so ( 19 years old) We managed to fund the whole batch of machines over 3 years with a standard 10% deposit.

Coach Company
To meet the new regulations one of our coach customers required a psvar vehicle. They had an existing vehicle within the fleet which was ideal and decided to get a psvar conversion done. We were able to provide the client with the funding to cover the cost of the conversion even though the vehicle already had some finance. We fund Public Service Vehicles Accessibility Regulations and 70 seat vehicle conversions.

Keys to our success https://www.commercialandasset.co.uk/keystooursuccess.html

We are truly appreciated for our methods and work ethic.
Our clients find that they can attain a greatly enhanced work-life balance, enabling them to allocate their time more efficiently and start achieving those once hard-to-reach targets. We know it’s all about listening to initial problems then through our hard work, making their ideas come to life.

We've been doing this for a while, and we are good at it. A lot of our clients have been with us for over a decade and have come back year after year because we find out exactly how the business runs, and they in turn get great financial deals for whatever they need.

We understand the trials of everyday business money and help eliminate obstacles and hurdles, hopefully before they happen. 

With the many sectors we operate within, we can usually find the perfect answer for a particular need.

As we say, It’s all about listening to you and what you want, including the problems too. We love to make things happen for all of our clients.

Dream Makers https://www.commercialandasset.co.uk/dreammakers.html

Talented ones to make your dreams come true
A band of merry-makers and dream-makers who are just everyday people who shop at ASDA and Tesco, they too know the closest KFC and have families and mortgages just like everybody else, but they will be working hard for you.

Blair Michie 07920 796 717 mailto:blair@commercialandasset.co.uk

Campbell Ingram 07554 431 875 mailto:campbell@commercialandasset.co.uk

Iain Colquohoun 07553 607 592 mailto:iain@commercialandasset.co.uk

Kevin Jopp 07900 058 741 mailto:kevin@commercialandasset.co.uk

George Milne 07783 610 872 mailto:george@commercialandasset.co.uk

Danny Eley 07939 979 163 mailto:danny@commercialandasset.co.uk

Karina Gallagher 07712 567 347 mailto:karina@commercialandasset.co.uk

Jack Robertson 07766 835 002 mailto:jack@commercialandasset.co.uk

Laura Russell 0141 258 7064 mailto:laura@commercialandasset.co.uk

Martin Gallagher 07508 826 831 mailto:martin@commercialandasset.co.uk

Brett Williams 07899 692 494v mailto:brett@commercialandasset.co.uk

Alistair McCallum 07585 808 296 mailto:alistair@commercialandasset.co.uk

Industry Lanscape https://www.commercialandasset.co.uk/industrylandscape.html

Where we mainly conduct business It doesn't matter what trade or business you're involved with our aim is to get you a great deal to get you moving. Get in touch if it's not listed here it's only a text or email. Extensive Industry Lanscape Coach Industry Plant and Machinery Minibuses Farming Equipment Scaffolding Equipment Greens Equipment Roadsurfacing Machinery Outdoor Food Trucks Woodworking Equipment Commercial Premises

Connect with an Expert https://www.commercialandasset.co.uk/connectwithanexpert.html

We're probably the nicest people you'll ever discuss money with. Relax, you're in very capable hands. Our main aims are - A. To ensure you get the best possible, affordable deal, and B. To demonstarte our expertise and the reasons behind our success and why some of our customers have been with us for over a decade.

Footer Statement We're here to support and enable your success, guiding your business towards its goals.

Address No3 Violet House Violet Street Paisley PA1 1PA

Phone Number 0141 258 7064

email mailto:commercialandasset.co.uk

Closing Statement Our commitment to a no-nonsense approach in business requirements has sustained Commercial & Asset's success for over fifteen years. Join the ranks of those who have achieved absolute peace of mind. Please Take Note! WE ARE A BROKER AND NOT A LENDER

Legal Awareness Commercial and Asset Finance Ltd We are regulated by the Financial Conduct Authority (registered number: 729014) Commercial and Asset Finance Ltd are registered in Scotland number SC334879