LEASING & RENTAL. Flexibility and Competitive Pricing. The Value of the TIP Network
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1 LEASING & RENTAL
2 LEASING & RENTAL 1 Short Term Rental solutions from TIP Trailer Services provide Flexibility, Choice, and most importantly, true Peace of Mind, to enable you to meet the demands of your customers, efficiently and effectively. Flexibility and Competitive Pricing Whether you need immediate access to trailers, or wish to change asset type at short notice, we can offer you a totally flexible solution at very competitive rates. The Value of the TIP Network We ensure that all of your rental requirements are covered: We have more than 70 strategically located facilities across Europe We operate more than 50 wholly owned workshops Dedicated Customer Service Delivery With the best in class customer service teams across Europe, you can rest assured that, with us, all of our rental trailers are maintained to the highest standards, ensuring total operating efficiency throughout our fleet. We view trailer uptime as the standard! We manage more than 6000 vendors in our pan European network, enabling us to be there for you, whenever you need us We employ more than 425 mechanics and technicians to maintain our trailer fleet every day Our experienced 24/7/365 Roadside Assistance service provides full support in the case of a roadside incident Why hold the Risk? With our Damage Protection solution, your rental equipment is protected against additional costs resulting from damage, fire and even loss of equipment. We operate a Preventative Maintenance policy to align with operational requirements We provide Damage Protection plans to cover against damage, theft and loss of equipment
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4 LEASING & RENTAL Tip TRAilER leas E service s 3 Tip TRAilER lease services Understanding your business to identify and tailor the most suitable options available. How do you acquire business-critical assets, without using up precious cash that you could invest more productively elsewhere in your business? Our aim is to make it as simple as possible for you to invest in your business. The answer could lie in using the flexibility and power of our lease services to source and fund your asset requirements. At Tip, we excel at using our expertise to develop intelligent financial solutions that can improve your cash flow efficiency, develop your growth opportunities and reduce residual risk, without Through our 45 years of experience in the transportation sectors, we understand the pressures that you face in today s economic climate. This is how we combine financial expertise with hands-on experience to keep you on track. using up precious cash resources. We can also help you to spread your purchase costs, whilst avoiding the impact of depreciation. Assets, such as trailers and other transportation vehicles, all lose value over time. So why buy them outright? This is exactly the sort of question this guide sets out to answer. If you would like to The market is rich with real business opportunities, but capturing them means looking beyond traditional sources of funding. That explore your options further, we have a specialist team of asset finance experts based near you. is why there has never been a better time to take a closer look at how the power and flexibility of our asset finance solution, can help your business build a sustainable future. Investing in your business Your business is growing and you have identified the next step towards realising your ambitions. it could be a complete overhaul This easy-to-follow guide is designed to give you straightforward, practical information on how asset finance works, the different options it offers, and the benefits each option delivers. Among other financing solutions, it explains Contract Hire, Contract Purchase, Operating Leases, Finance Leases, Hire Purchase and of your fleet - a few extra trucks and trailers, or some nice new tankers perhaps. You will then need to decide how to fund your investment. Wouldn t it be good to find a trusted business partner who understands how your industry works? A financial expert who can source the funding your business needs, when you need it. Sale and Lease Back. it also explains how we use our expertise
5 4 capitalising ON capital AllOWANcEs As a business, you can deduct a proportion of the cost of certain asset purchases from your taxable profits by claiming capital allowances. subject to provisions, you may be able to claim the rentals on our operating leases as a business expense. if you use an asset under a hire purchase agreement, you may be able to claim capital allowances based on the cost of the asset. The interest and other charges are usually treated as a business expense. The actual amount you can claim will depend on your individual circumstances. This information is only a general guide. You should always discuss the details with your accountant or tax advisor. Facts about asset finance A valuable alternative to conventional bank loans secured wholly or largely on the asset being financed, reducing the requirement for additional collateral secure for the user, as the finance cannot be recalled during the life of the agreement sustainable because businesses have the option to replace or update equipment at the end of the lease period Here are some of the financing options you might want to discuss with us and a brief description of how they work:
6 LEASING & RENTAL OpERATi NG leas E 5 OpERATiNG lease An Operating lease is particularly effective for high-value assets, like trucks and trailers or specialised assets you need to support a specific contract. Rentals are based on the value of the asset over the period you require it. As a result, you can link rentals directly to the revenue your asset generates. Unlike a Finance lease, rentals will not recover the full cost of the asset. But we protect you from any shortfall risk by guaranteeing a residual value at the end of the term. You can generally deduct the full cost of the lease rentals from profits and the asset will not appear on your balance sheet (under current generally accepted accounting practice).
7 6 HiRE purchase/lease purchase Hire purchase / lease purchase allows you to acquire an asset rather than having to pay for it upfront. Normally, rentals are calculated over an agreed term. At the end of the term, we will have recovered the cost of purchasing the asset on your behalf. While you never own the asset yourself during the contract, you also do not bear the risk of price fluctuations in the market at the end of the term. We offer finance leases through our select group of banking partners. Helping you to make the right choice Hire Purchase / Lease Purchase Operating Lease legal Owner lessor lessor Economic Owner customer lessor TAX advantage Yes possibly On balance sheet of the customer Yes No When to pay the vat 100% with the first rental On each rental, spread over the term Fiscal depreciation customer Tip Trailer services Asset depreciation risk customer Tip Trailer services can a service contract be included? Yes Yes Owner at end of lease customer Tip Trailer services (customer can buy the trailer at market value at the end of lease)
8 LEASING & RENTAL sal E & leas E BAck 7 sale & lease BAck Release your capital Here is an additional financing option you might want to discuss with us and a brief description of how it works: Sale & Lease Back This option provides both real and direct measurable benefits. it is not always easy to measure the true cost of buying, financing, maintaining and disposing of assets, but our specialists can help you to arrive at the true figures. When you choose sale & lease Back solution, you will benefit from our years of expertise in the industry. We will buy your assets at a fair market price and lease these assets back to you for a fixed monthly rate, freeing up your invested capital and optimising your capital position. You can also benefit from our remarketing expertise for assets that are no longer required in your fleet or we can replace assets with new ones, which are often operationally more cost efficient. We can balance your newly optimised fleet with short term rental units to further enhance your fleet efficiency and reduce operational costs. In addition, Sale & Lease Back: injects vital capital into your business strengthens your balance sheet Opens up new lines of credit for business growth and expansion like with our other lease solutions we can offer additional services such as; replacement-vehicles during repairs, accident management, roadside assistance, managed services, tyre management, critical specification analysis and maintenance Offers you the option to benefit from a maintenance package covering all servicing and repairs Affords the option of including the cost of a mid-life refurbishment as part of the structure services for your fleet.
9 8 TIP Trailer Lease Solutions Our leases will provide you with many benefits, especially if you need an asset for part of its economic life. As your leasing partner, Delivers funds efficiently The security within the asset can result in a prompt turnaround of credit applications. we can purchase each asset specifically for you. Under our leasing agreement, you pay rentals over an agreed period of time. Although you never own the asset, you have full use of it during the lease period. You can also reclaim the vat on the lease rentals. Eliminates uncertainty Fixing the rental costs and payable interest for the duration of the contract helps your business plan for the future by eliminating uncertainty and costly surprises. Benefits Whatever the size of your business, Asset Finance can offer compelling benefits when it comes to your borrowing needs. When you need to keep tight control over your cash flow and working capital, Asset Finance offers advantages for sourcing new equipment. Cuts wasted spending The rentals reflect the usage of an asset for a portion of its usable life this is an important added value benefit where you expect to use it for part of the asset life. it allows your business to fund trucks, trailers and tankers as any tangible business assets, Minimises ownership risk including specialist transportation assets. We have the experience to take the risk on how much value remains in the asset at the end of the contract, and can also take responsibility for the disposal and management costs associated with ownership. Speeds up credit decisions We operate a specific credit procedure based exclusively on the assets being funded and therefore our customers find the credit decision process extremely efficient. Releases tied-up cash With our sale and lease Back solution, you sell your existing assets and lease them back over an agreed term, freeing up the value within your assets. You can avoid having to draw on cash reserves that may be needed elsewhere in your business that can be used to fund growth. Finance Uncovered Our sales teams have invaluable tools to give you an idea of the finance process and will explain the options available when deciding the best lease solution for you. These lease tools, guide you through a series of business requirements to determine the Opens up additional credit lines right finance package for you. it can act as an extra facility that uses the financial value of your business assets to complement cash resources and existing bank credit lines, such as overdraft facilities.
10 LEASING & RENTAL sal E & leas E BAck 9 At TIP Trailer Services, we are not in the business of simply providing a loan to fund the purchase of your truck or trailer. We see it as a journey that we take with you. Guarantee the future value of your asset Our proven asset expertise and remarketing capabilities ensure a future guaranteed value, which provides you with protection against the risk of asset depreciation, and also makes your payments more affordable. We operate a specific credit procedure based exclusively on the For more information on the full selection of leasing services, maintenance and transportation solutions from us, talk to one of our experienced sales managers today or read on for further details. Our finance packages are more convenient than a corporate loan. They are: Quick and easy to arrange: On average, approved credit applications are processed within the same day. Immediately available: With no waiting for loans to clear. No security on your business or other assets required: You will not be required to provide us with any security against your business assets as a condition of taking out the lease agreement. Clear and transparent: Often, other lenders/banks may offer you a higher lease rate assets being funded and therefore our customers find the credit decision process extremely efficient. Dedicated Product Managers Finding the right finance package for you. in every pan-european region, you will find dedicated sales and product Managers who are experienced asset funding specialists. Each one is well equipped to provide you with all the advice you could possibly need, when it comes to choosing the best option for your chosen asset acquisition. They will talk you through the various options, advise you as to which option might suit you best and then assist you to make the right decision. Furthermore, our customer service Teams are made up of industry recognised service experts. Our outstanding business and industry accreditations are an independent recognition of the fact that we are continuously raising our professional standards and transportation finance expertise for the benefit of our customers. to the one you applied for, based on your credit status. At Tip Trailer services, we commit ourselves to the rates we have quoted and this is the rate you will receive once your credit application is successful.
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12 LEASING & RENTAL Q UEs T i ONs ANd ANs WERs 11 QUEsTiONs ANd ANsWERs Can I get help choosing the right finance package? All of our sales Managers are extensively trained vehicle funding 4. p urchase and part-exchange the leased equipment for a brand new one. specialists, who are happy to discuss your transportation equipment needs, in order to establish the most suitable financial package for you. How does my km/mileage affect my agreement? The mileage of the vehicle will only affect the lease agreement Over what period can I finance my vehicle? Our Finance products are flexible, with terms available from 12 to 120 months, based on the finance product you select. All TIP s finance offers are fixed rate agreements, so you will know exactly what you will be paying from the beginning to the end of the agreement. if you have chosen a Full service Operating lease. The annual mileage is used to estimate the service cost during the contract and the value of the vehicle when the agreement ends. If you exceed this mileage allowance (which is shown on the finance agreement), there will be an excess mileage charge to pay, which is calculated on a price per km/mileage basis. Therefore, it is important that you set the predetermined mileage as accurately as possible at the start of the agreement. Do I need to pay a deposit? In most cases, the answer is no. This will, however, depend on the finance option chosen, although generally the higher the deposit, the lower the monthly payments will be. Will I have to pay any hidden fees? No. At Tip Trailer services, we value the importance of our relationships with our customers and our complete transparency means that there are no hidden fees. What options do I have at the end of my lease agreement? 1. p urchase the leased equipment. simply pay the purchase value, which is equal to the fair market value. The vehicle will then be your asset. Will the interest rate change throughout my agreement? No, all of our finance offers are fixed rate agreements, so you will know exactly what you will be paying from the beginning to the end of the agreement. 2. Enter into a secondary lease term and continue to enjoy the use of the asset. 3. Hand back the equipment, leaving you free to take out another agreement or purchase another truck or trailer/tanker. (subject to agreed return conditions)
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