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Compare types of finance

Specialist solutions for financing and managing your assets

Security may be required and product fees may apply. 

What sort of asset finance is for you?

Our products and services reflect the diversity of the industries and companies we work with. They're designed to suit businesses of all sizes, and meet different requirements. We strive to understand your business and sector so we can help you find the right solution. 

This comparison table will help you determine which asset finance solutions are for you.

Finance lease

Allows you to share in the rewards of ownership.

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Hire purchase

Purchase an asset without a large capital outlay.

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Operating lease

Use an asset without the risk of future value losses.

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Contract hire

For cars and vans, vehicles are provided at a fixed rental. 

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Can I own the asset?
Will the asset be off-balance sheet?
Can I have a fixed term agreement?
Would it be possible to extend the term?
Can I choose a fixed or variable rate?
Will the future rental be linked to the value of the asset?

 

It's also worth considering the following:

  • Would you rather tie up capital in fixed assets or have the flexibility of leasing? 
  • What would best suit your cash flow and working capital?    
  • What tax and VAT requirements would apply to your preferred finance facility?   

Finance can't be arranged on demand and you might be asked to provide additional security. 

Other ways to finance your assets

Our asset finance packages could help you acquire assets without disrupting your cash flow. Most of our products are suitable for a large range of assets and industries. And we also offer specialist solutions for certain assets and industries. 

Sale and leaseback

Wholesale finance

Capital import finance

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Case studies

Many businesses look to us for asset finance. Read our case studies to see how we've helped them to fulfil their ambitions. 

Read Lombard case studies

Lombard Vehicle Solutions (LVS) is provided by ALD Automotive Ltd (ALD), trading as Lombard Vehicle Solutions, Oakwood Park, Lodge Causeway, Fishponds, Bristol, BS16 3JA. By following the links on this site you are confirming that you are aware of, and agree to be, transferred to an internet site provided by LVS and operated by ALD. This site is external to Lombard North Central PLC (Lombard), National Westminster Bank PLC and The Royal Bank of Scotland PLC.

LVS is a product solution provided for Lombard by ALD and there is a financial connection between Lombard and ALD as a result. The arrangement ensures that Lombard customers as well as those of National Westminster Bank PLC and The Royal Bank of Scotland PLC have access a wider range of products to meet their vehicle asset finance needs.

Customers whose agreements are regulated by the Financial Conduct Authority should be aware that Lombard is acting as a credit broker and not a lender, and that Lombard will receive a payment from ALD should you wish to proceed with an agreement. You can ask Lombard or ALD for more information about this.

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