Finance solutions for partners

Partnering with us gives you the leading edge

Quite simply, we’re here to grow your business. We’ll provide competitive finance solutions that can help your customers afford exactly the equipment they want.

Open the door to business growth

When businesses are reluctant to make an upfront investment in business equipment, you can provide the solution they’re looking for. Our range of finance products includes Hire Purchase, Finance Lease and Operating Lease. Every single one is offered in a way that’s simple, approachable and easy to manage. That makes your proposition more attractive than competitors, and more likely to win sales.

Unlock your own sales potential

A partnership with BNP Paribas Leasing Solutions means the opportunity to grow your business further. We’ll pay your invoice quickly, often within 24-hours, resulting in improved cash flow, reduced credit risk and allowing you to venture into larger sales.

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VALUE-ADD SERVICES

It’s not only our finance products that lead the way. We’ve developed services that sit alongside our products to help you make the most of our partnership. These services are based on our deep understanding of your market.

› Bespoke training

Make it easier for your team to sell finance. Our ‘Finance Unlocked’ training gives your sales team full confidence and in-depth knowledge of all the finance products you can offer through BNP Paribas Leasing Solutions. As a result they’ll be more confident at handling complex price negotiations and offering solutions that meet your customers precise requirements in a compliant way.

› Intuitive, smart tools

Our innovative tools, such as SalesAid and Lease Offers, let you submit proposals on the go – through your PC, mobile or tablet. They help your business become mobile and responsive to sales opportunities wherever they happen.

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Products designed to support your business growth

Hire Purchase

What is Hire Purchase?

Hire Purchase lets the eventual owner of an asset pay for it gradually, giving financial security and predictability. It’s very flexible, with a wide range of options for the deposit amount, repayment amount and repayment frequency. Payments can even be matched to a seasonal income cycle. Because all terms are agreed upfront, Hire Purchase also gives protection against any increase in interest rates.

Benefits of Hire Purchase:

  • Accurate budgeting with fixed interest and repayments
  • The interest element included within payments can be registered as a business expense and is therefore tax allowable
  • The cost of the equipment can be tax allowable through Annual Investment Allowances or Writing Down Allowances

Operating Lease

What is Operating Lease?

An Operating Lease is a smart way to access and operate the latest equipment with minimal risk. The asset and all payments due under the agreement sit off-balance sheet which may help to improve some key accounting ratios. At the end of the contract the equipment is returned to us. If all return conditions are met, there’s nothing more to pay.

Benefits of Operating Lease:

  • Low total cost and low initial cost, with all payments (including VAT) repaid across the contract period
  • Tax efficient because asset repayments count as a business expense
  • Allows accurate budgeting with minimal risk
  • Maintenance costs can be included in the repayment plan

Finance Lease

What is Finance Lease?

A Finance Lease gives access to the latest equipment for a regular sum that can be offset against taxable profits. The initial cost is also very low, because all payments are spread across the whole repayment period.

Benefits of Finance Lease:

  • Low initial cost with all payments (including VAT) repaid across the contract period
  • Tax efficient because asset repayments count as a business expense
  • Allows accurate budgeting with minimal risk
  • Maintenance costs can be included in the repayment plan

Contract Hire

What is Contract Hire?

Contract Hire is a fully inclusive way to rent equipment with servicing costs rolled into rental payments. These payments are a business expense and if the agreement is recognised as an Operating Lease, sit off-balance sheet. This makes Contract Hire a smart way to access the latest equipment that may improve some key accounting ratios whilst minimising risk. At the end of the contract the equipment is returned to us. If all return conditions are met, there’s nothing more to pay.

Benefits of Contract Hire:

  • All-inclusive, giving peace of mind that assets are full maintained throughout the contract period
  • Low initial cost with all payments (including VAT) repaid across the contract period
  • Tax efficient because rental payments count as a business expense
  • Allows accurate budgeting with minimal risk

Wholesale Finance

We also offer a ‘Wholesale Finance’ facility, which is ideal if you’re a manufacturer or import agent with your own distribution network. With Wholesale Finance, you can outsource your reseller credit lines to us. This helps to reduce your risk, improve cash flow and shorten lead times.

Bespoke solutions

For our partners working in the tech sector, we offer a range of products that can deliver unparalleled customer value in a rapidly evolving environment:

  • Total Volume Plan: our flagship usage-based print finance solution.
  • We Manage Print: consolidates print hardware servicing under one simple agreement.
  • Technology Plan: offers customers an intelligent way to deploy and manage their entire IT estate including software, soft costs and hardware.
  • Evolibre: A technology refresh solution that allows your customers to optimise their equipment renewal strategy, ensuring it’s always up-to-date and supportive of business requirements.

FUNDING FROM THE EUROPEAN INVESTMENT BANK (EIB)

The EIB partners with BNP Paribas Leasing Solutions to encourage investment within the SME and midcap business communities on preferential terms.