Compare our asset finance solutions

Why choose Lombard?

We have a range of specialist asset finance solutions to help fund and manage your assets. 

Our products reflect the diversity of the industries and companies we support, whilst our experts strive to understand your business and sector. Allowing us to help you find the best finance solution for your requirements. 


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Important considerations

  • Would you rather tie up capital in assets or have the flexibility of leasing
  • What would best suit your cash flow requirements?
  • What tax and VAT treatments would apply to your preferred finance option?
  • Do you need title of the asset straight away or can ownership be deferred.

Types of asset finance

Hire Purchase

Straightforward finance with the option to own the asset

You’ll usually pay an initial deposit then pay off the vehicles full value through monthly payments. Once the final agreed payment is made you can own the vehicle.

Structure payments to fit with your cash flow needs

Reduce monthly payments by opting for a final lump sum – a balloon payment.

You have the freedom to choose between fixed and variable rates.

Option to own the asset at the end

Get a hire purchase quote

Business Contract Hire

We supply a new vehicle for you to lease

Let us supply a new vehicle for you to lease whilst you avoid the risks associated with ownership like depreciation. Maintenance plans can also be added for your convenience.

Manage cash flow and budgets with fixed monthly rentals

We can source a new vehicle that fits your requirements

Option to upgrade to a brand new vehicle every 2-4 years

Finance solutions for all business sizes

Chattel Loan Mortgage

Receive title straight away and use asset as security

This type of funding enables you to use assets such as machinery, boats or aircraft as security for a loan, once the loan is repaid the mortgage is removed.

Flexible funding with longer repayment periods available

Payment breaks may be available in the form of capital repayment holidays

Potential to draw down in instalments or as a lump sum

Tax deductions may be available on assets used for business


We purchase the asset then rent it to you

You never own the asset but do bear the risks and rewards of ownership. Rentals can be tailored to your cash flow and you’ll benefit by keeping a large portion of the resale value.

No large initial cash outlay and receive some of the resale value

Flexibility to spread payments over an agreed term

Once the finance is repaid you can continue to lease the asset for an annual rental payment

VAT and lease rental charges may be recoverable

Residual Value Lease 

Rent items you need without the risks of ownership

Lombard will own the asset and bear the risks on anticipated future values and disposal costs. Your rentals do not cover the full asset value so payments are reduced.

No large initial cash outlays  or costs on disposal

Rentals can be tailored to meet cash flow needs

Protected from risks associated with assets losing value

VAT and lease rental charges may be recoverable

Contact our team

To discuss asset finance solutions in more detail you can contact one of our sector experts who will be able to provide you a tailored finance package depending on your individual needs and business requirements.