Equipment finance allows a business to purchase assets without upfront costs. A lender purchases the asset for your business, and then you lease it over an agreed term. At the end of the finance agreement, you are the full owner of the asset. 

Typically, Equipment finance is provided for ‘hard’ assets such as machinery and equipment, but Cavendish Capital also arranges equipment finance for ‘soft’ assets such as IT, fitness, and catering equipment. 

Business loans are a way of borrowing money, which is repaid in monthly installments, over an agreed term. Business loans can help smooth out cashflow fluctuations and take opportunities where otherwise they would be missed due to not having the working capital needed to invest. 

Cavendish Capital typically provides unsecured loans which are considered more flexible as they do not require collateral or personal guarantee. Secured loans become secured when you tie them to an asset that the lender can claim ownership of if repayments are not made. 

Vehicle Finance enables your business to purchase ownership of a Vehicle and spread the cost over a repayment term that suits you.

- Manage cash flow and repayments
- Save liquid capital in the business
- Interest charges can be offset against profits for taxation
- Get the vehicles you need

Recovery Loans are being offered by the government as an excellent way of making sure your business gets back on its feet during difficult times due to the pandemic and supply chain interruptions. Businesses that turnover up to £45m, including those who have previously benefited from the government’s CBILS, BBL or RLS, can apply for a Recovery loan with Cavendish Capital. 

Recovery Loans can be utilised for any legitimate business purpose. 

Fixed rates are set and the government will guarantee 70% of the outstanding balance, giving added security for lenders and making the finance easier to secure. 

Your business could borrow up to £2m on terms from 2 to 6 years. Your personal private residence cannot be taken as security.