fast. flexible. expert.
As a trusted source of finance, we have been providing equipment finance and business funding solutions for over 30 years and have transacted over £100 million of business.
By using our own funds, we can react quickly and take a more flexible view than the other provider - we can give decisions in as little as 24 hours - helping you react to market conditions quickly.
Our approach to credit assessment is to look at each finance proposal on merit and not on a credit score.
Our highly experienced team supports new starts as well as established businesses with finance agreements tailored to your needs.
customer testimonial: Blanc De Provence
"I always find Admiral Leasing & Loans to be super reactive, the team are attentive knowledgeable and incredibly helpful. They take the time to understand the specific needs and challenges of our business, offering tailored solutions that support our growth."
Bruno Caballero Head of Finance & People
Blanc De Provence are a long standing Admiral Leasing and Loans customer, a unique dry cleaning business based in London with a focus on sustainability. BLANC opened it's first store in Marylebone in 2013 and have continued to grow. Admiral started by financing dry cleaning equipment, but more recently has gone on to finance vans for the business.
all equipment from any UK supplier
If you’re looking to finance a new piece of equipment for your business, the supplier may well propose a lease from their preferred provider, but did you know you can also choose to use Admiral?
Once we’ve set up the finance we simply purchase the equipment from your supplier and the agreement is activated after you’ve taken delivery.
Even if the supplier finance looks okay, it’s always worth getting a price comparison. Similarly, if you want some new equipment but would prefer the benefit of spreading payments, simply hand the supplier over to us once you’ve found the equipment you want and we’ll do the rest.
why use finance?
There are several key benefits to using finance to fund equipment instead of outright purchase, even if you have the money available:
Preserve cashflow - acquire equipment whilst maintaining your cashflow for operational costs and contingency.
It's easier to plan - with fixed interest rates comes fixed monthly payments making it easier to budget.
It’s easier to grow your business - by spreading the cost of equipment over a term, you don’t have to wait until you have saved the funds for outright purchase and you can then use that capital for business activities.
It’s tax efficient - payments on qualifying leases are written off as direct operating expenses reducing short term taxable income with lease payments offset against taxable profits. VAT can also be reclaimed on monthly payments.
It preserves existing credit lines - which extends your access to funding.
our finance solutions
We offer a number of different funding solutions ranging from leasing options for equipment to commercial loans. Leasing makes quality equipment affordable with payments in instalments - you don’t pay your staff three years in advance, so why pay for equipment that way?
We will also consider commercial loans for fit outs and working capital. Payment plans can be tailored to your business requirements and accommodate seasonal payments. We create packages for equipment from as little as £1,000 and offer facilities with terms ranging from 12 months to 7 years.
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5 quick steps to get the equipment you need
Customer Case Study: Hale Training Club
"Working with Admiral has been an extremely smooth process and I would recommend them to any business looking to expand. It's easy to get caught up in the day to day operations but Admiral made it so easy, taking all the stress away. Initially this seemed like a big project but through the support of Admiral it's been quicker and much more straight forward than I ever thought it would be."
Ben Whitehead Managing Director
our frequently asked questions
We have been providing business finance for our clients for over 35 years. We are well respected within the industry as a funder and also a broker. We are fully authorised and regulated by the FCA. Our license number is FRN 700142.
Admiral Leasing & Loans will consider all business critical equipment including software.
You may be able to afford to buy the equipment outright, but before you make this decision you must consider the following:
Leasing payments are an allowable business expense, therefore you can deduct 100% of the lease payments against your pre tax profits, which in turn reduces your tax bill.
Payments are fixed throughout the lease contract, which means that increases in interest rates do not affect you, and your cash budget can be utilised more effectively.
Leasing enables you to protect your cash to use for other business needs such as new stock, staff training, new business opportunities and also unexpected expenses.
Where a comprehensive proposal has been sent, you will usually receive a decision back from us within 24 hours.
Hire Purchase is a form of Asset Finance. Along with the initial deposit (or first payment) the total VAT is usually paid upfront. Following this monthly or quarterly Direct Debit payments are made for a fixed period and at the end of the agreement an agreed nominal sum is paid to transfer ownership of the asset to your business.
With a HP agreement you may be able to capitalise the asset in your accounts and claim full capital allowances. The agreement is fixed term and also at a fixed rate of interest.
Once we have all the information we have requested from you, we will do the relevant credit searches and pass the file through to our credit team. Typically, for straightforward deals under £20k we should be back you with a decision in under 6 hours. Larger and more complex deals should be turned around within 24 hours. We will communicate with you and let you know of any delays if they arise.
We simply need to check all the details we hold on file are correct and depending on when we approved your last facility we may need to do another credit search and may need so additional financial information. We also just need to know the reason for the additional finance and if it is an equipment purchase we simply need to know what the equipment is and who is the supplier.
Yes we can arrange Commercial Loans for established businesses. These can be used for cashflow, stock, training, building works, refurbishments, expansion within the business. We can arrange Commercial loans up to £500k from between 1 and 5 years. We can also arrange shorter term VAT and Tax loans for periods from as small as 3 months.
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