Business Finance

	Hire and Lease Purchase
	Finance Lease
	Residual Based / Operating Leasing
	Contract Hire
	Personal Contract Purchase
	Overdraft
	Debtor Funding
	Marine Finance
	Aviation Finance
	Property Finance

Whether yours is a new or a mature business, ensuring that you have the necessary finance is essential for achieving your objectives. Indeed, one of the most common causes of business failure is badly structured or inadequate financing. We can help you:

	Conduct a feasibility study of your projects.
	Decide on the most suitable sources of finance - personal capital, bank overdraft, long-term commercial loans and mortgages, national and regional agencies, venture capital, or equity capital.
	Prepare the necessary business plan, forecasts, prospectuses, etc.
	Present your proposals to your chosen finance source.
	Arrange a disposal, merger/acquisition, or management buyout/in.
	Our expertise and contacts will help you open doors that may otherwise have remained closed.

Whether it’s Asset Finance, Contract Hire, Working Capital, Property or Re- Finance, Marlow Associates will be able to give you options that will enable you to make an informed decision about the most appropriate method of funding, that best meets your requirements. Being independent, we have a panel of funders on hand who offer a wide variety of funding options. We are therefore very confident that no matter how unusual your request, we will be able to accommodate it!

Independent Finance Partner

The Finance World is no different from any other business. It is fast moving as recently seen with FSA money laundering regulations; it is complex and highly competitive. Given this backdrop, we feel that every business needs an Independent Finance Partner who can help them not only with their funding requirements, but also assist them with independent advice on general banking matters. There are many good deals out there and Marlow Associates can help you take advantage of them!
Of course some businesses have specialised requirements which are not popular with some funders. For example, you may be a start-up business or wish to release equity tied up in plant and machinery. Marlow Associates can help you do this. You may require specialist Marine or aviation funding. You may want to leverage your debtor book, but perhaps have been told in the past that you can’t do this because your debtors are based overseas? Or perhaps you may have simply been confused by the various options available to you. We will help you understand and de-mystify the jargon that is often given to you.
Working in partnership with a wide variety of National and International Funders, we are able to offer the full range of Funding Options that are available to Businesses.

Product Lines

Hire and Lease Purchase
A Straight forward payment by instalment option. Repayments can be structured to suit cash flow requirements e.g. VAT deferrals. Writing down allowances are claimed and interest is offset against taxable profits. Ownership remains with you, with the Funder taking Title to the asset as a means of security. Interest rates can be fixed or variable.

Finance Lease
A tax efficient way of funding an asset. Ownership remains with the Funder allowing you to offset rentals against taxable profits. VAT is effectively spread over the rental period rather than paid up-front as with Hire / Lease Purchase.

Residual Based / Operating Leasing
A particularly effective way to fund high value assets especially those that are being “acquired” for specific contracts. The Funder will guarantee a future residual value of the asset that has the effect of reducing the rentals and so this is also an effective cash flow option. This method could be treated as off balance sheet, subject to auditor’s approval.

Contract Hire
Most commonly used for funding vehicle fleets. This facility can offer the complete solution to whole life costs associated with the running of a vehicle, as maintenance costs can be included within the rental. As the funder will take a residual value on the vehicle, this is also tax efficient as it can be treated as off balance sheet funding.

Personal Contract Purchase
This option allows an individual to enjoy the benefits of contract hire, but avoiding the 'benefits in kind' issues.

Overdraft
The most common form of working capital funding provided by banks, which is often secured by property, even though it is repayable on demand!

Debtor Funding
Most common methods are Factoring and Confidential Invoice Discounting. An Invoice discounter will release cash by taking a charge over book debts and pay on receipt of a qualifying invoice. Therefore, the burden of cash collection is taken away from a business. This form of working capital funding is very popular with expanding businesses who cannot collect their debts quickly enough to fund their expansion. Normally, only UK Debtors are allowed, but Marlow Associates have funders who will leverage some overseas debts and also take stock into account.

Marine Finance
Personalised Marine Finance can be arranged via a Mortgage secured over the vessel. Mortgages are available for private/pleasure craft subject to a minimum advance of £2,000.

Aviation Finance
Specialist Aviation Finance can be arranged for private individuals, businesses/partnerships and companies. Minimum advance would be £25,000. For further details please contact us.

Property Finance
With so many mortgages across the market, it is sometimes hard to keep up-to-date with all the latest offers available. In addition, special circumstances may require specialist advice, and at ags we will ensure that this expert advice is available to you. Whether you require buy to let, commercial, individual or re-mortgage, Marlow Associates will be able to assist you.