Cornthwaite Group Finance Options

Here at Cornthwaite Group, we have a dedicated, experienced finance team offering finance for the purchase of Agricultural and Groundcare equipment. We understand that finance plays an important role in the acquisition of new and used machinery and so our finance specialists are keen to help you through the process from start to finish.

Our service to you will include:-

  1. Obtaining competitive quotes from our network of finance partners
  2. Calling to see you at your farm / business premises to discuss your various options and to talk you through the paperwork
  3. Sort out all the paperwork (finance agreement, VAT invoices etc) in good time, ready for the delivery of your equipment

Various finance options available to you are:

Hire Purchase 

Ownership is easier than you thought. You pay a deposit plus the whole VAT amount at the beginning. What is left to pay, plus interest and fees, is simply split into easy-to-manage payments, typically over 1-5 years. After you make the last payment, you own the machine. This option allows you to claim capital allowances so that you can enjoy the privileges of ownership with a repayment structure that meets your needs now.

In summary – fixed scheduled payments, no surprises and you will own your machine by the end of the contract period. 

Finance Lease

An attractive leasing option with fixed repayments. Since VAT is payable on each lease payment rather than in full at the outset, this is an easy start. The Finance Lease starts with a primary lease period, typically 2-5 years, which covers the full cost of the equipment. At the end of it, you may request the equipment to be sold to a third party and the proceeds from the sale are yours to keep. Or you can opt for a secondary lease period, continue to use the equipment in exchange for a prearranged annual fee. Start using your new machine quickly, with a low deposit and easily budgeted fixed payments.

In summary - Finance Lease requires low initial capital outlay and features fixed payments, fixed interest, and no usage restrictions.

Operating Lease / Contract Hire

Minimum commitment, low payments option. The straightforward all-inclusive rental option with minimal commitment, lower monthly payments, and a worry-free maintenance package. It combines all the advantages of an operating lease with comprehensive maintenance packages in one fixed price agreement. After an upfront rental payment, you enjoy lower fixed monthly rental payments, and return the machine at the end of the term of the agreement. You can offset the rental payments against taxable profits since they are a business expense.

Total cost control. Pay only for what you use, with low payments and no ownership commitment. The contract hire option also includes maintenance packages for ultimate peace of mind.

Rob Mullock, Group Retail Finance Manager, 07375 520169
Harry Mullock, Retail Finance Coordinator, 07806 767201

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