ASSET FINANCE THAT FITS YOUR BUSINESS
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1 ASSET FINANCE THAT FITS YOUR BUSINESS
2 HEADING CONTENTS ASSET FINANCE TAILORED TO YOUR NEEDS 5 THE BENEFITS FOR YOUR BUSINESS 7 THE ADVANTAGES OF HIRE PURCHASE 8 THE ADVANTAGES OF AN OPERATING LEASE 10 MAKING THE RIGHT CHOICE 11 WHY CHOOSE JCB FINANCE? 12 JCB FINANCE GOES FURTHER 15 TALK TO US 18 Finance restricted to UK business users and is subject to acceptance by JCB Finance Ltd. All information featured in this guide is for illustration only. All statements concerning taxation are based on our best understanding of current legislation. Levels and bases of taxation can change at any time. The contents of this guide do not constitute legal, tax, financial planning or any other advice. You should always discuss your choice of finance product with your accountant. 3
3 HEADING ASSET FINANCE TAILORED TO YOUR NEEDS Investment in farm machinery or vehicles is key to maintaining and developing a successful agricultural business. But what s the best way to fund such an investment? Considering the many options available; cash, Hire Purchase or leasing, fixed or variable interest rates, it can be a challenge to know which will be of greatest relevance and benefit to your business. JCB Finance is here to help. With over 40 years experience in providing asset finance for customers in the agricultural sector, we can offer you flexible solutions that meet your requirements in a cost effective and tax efficient manner. WE UNDERSTAND THE POWER OF ASSET FINANCE FOR YOUR BUSINESS 4 5
4 THE BENEFITS FOR YOUR BUSINESS It s advisable for any business to hold cash reserves to cope with the seasonal nature of agriculture and unexpected weather conditions, but this doesn t have to delay or prevent investment in vital assets. I originally opted for JCB Finance because it made good sense as I was buying a JCB machine at the time, but I have since discovered that they also fund second hand non-jcb equipment. It is very easy and seamless going through JCB Finance. I have been working with Chris Smith, my local JCB Finance Manager, for about four years now and he is always very helpful. Asset finance enables you to secure the resources you need while protecting working capital, spreading the cost of investment and helping reduce your tax bill. Asset finance also opens up additional credit lines that are independent from your bank and is less likely to require additional security compared with a bank loan. ASSET FINANCE ENABLES YOU TO SECURE THE RESOURCES YOU NEED WHILE PROTECTING WORKING CAPITAL A bank may call in an overdraft at any time, but with our asset finance options you are protected by the security of a fixed term contract. In addition, by leaving your cash in a deposit account it will be earning interest and thus increasing your financial buffer. I am considering swapping one of our older JCB machines for a new one soon and I will undoubtedly be looking to JCB Finance to fund this venture. RODNEY HILL, MANAGING DIRECTOR, NEWBOURNE FARM COMPOSTING 7
5 THE ADVANTAGES OF HIRE PURCHASE Hire Purchase (HP) is a popular form of funding because it allows you to spread the cost of purchase and the asset starts paying for itself through the income or savings it generates for the business. However, just as with paying cash, the asset is retained on the balance sheet, claiming annual writing down allowances in the normal way. In addition, the interest charges are fully tax-deductible. Other key benefits of HP are: Interest rates can be agreed and fixed at time of documentation (we also offer Variable Rate HP which is a popular choice when rates are falling) Fixed repayments of capital and interest allow for accurate budgeting Hedge against inflation and interest rate rises Repayments can be reduced with the inclusion of a balloon payment VAT is fully reclaimable Tax writing down allowances available including the Annual Investment Allowance Interest charges are tax allowable The machine is yours after the last payment HP contracts can be linked to dealer service, repair and maintenance agreements JCB Finance is our main finance provider and the whole process is always easy and seamless. The team knows our company inside-out and my local JCB Finance Manager, Gail Beaumont, has great knowledge of all the machinery. This helps because it saves me time when Gail knows exactly what item of machinery I m talking about. For further advantages of dealing with JCB Finance, see page 15. JOHN PIERCE, PARTNER, J M & J M PIERCE & SONS 8
6 THE ADVANTAGES OF AN OPERATING LEASE MAKING THE RIGHT CHOICE Leasing differs from HP in that ownership remains with the leasing company, which in turn claims the capital allowances and reflects this in the instalments. With an Operating Lease, the residual value risk is borne by JCB Finance and this amount remains unpaid by the customer so the instalments are reduced. We sell the asset at the end of the agreement in order to recover this unpaid amount. This transfer of risk (of the residual value) can help deliver significant improvements on a business gearing or other key accounting ratios because the asset can be treated as off-balance sheet. Instalments are 100% allowable against taxable profits so businesses that change their machines regularly can obtain faster tax relief. Other key benefits are: Low capital outlay Spreads the impact of VAT, which is collected on each instalment as it falls due Low fixed instalments Tax efficient Preserves working capital The best asset finance solution for you will depend on your circumstances and aspirations for your business. The most fundamental question is whether you want to own the asset or simply operate it, but there are other factors to consider, for example, which of the following would you want? The asset off-balance sheet A fixed term agreement Fixed or variable rate interest The option of being able to extend the term Payments structured to reflect your cash flow projections To be able to make lump sum payments Our relationship managers will explain the merits of each of the options available and explain the tax and VAT treatments that apply to the various products. To talk to one of our finance specialists about your particular requirements call us on or visit to find details of your local relationship manager. Please note: JCB Finance is not a tax or financial advisor so it is recommended that you seek professional advice before taking any action. Easily combined with dealer service, repair and maintenance contracts For further advantages of dealing with JCB Finance, see page
7 WHY CHOOSE JCB FINANCE? We ve been providing asset finance for businesses in the agricultural sector since 1970 and so we understand the kind of challenges you may face. That s why our range of finance options is designed to help spread costs and, depending on your circumstances, can also provide the flexibility to cope with unpredictable events such as seasonal income and expenditure patterns, bad weather, poor harvests, livestock infections, and price fluctuations. We are a people s business, with a nationwide team of relationship managers who combine extensive experience with a genuine interest in helping to meet your particular requirements. We also have a direct sales team based at our UK headquarters. Together, our long serving team get to know their customers well and are there to offer support and a friendly personal service. As an organisation, we put real emphasis on the value of hard work, honesty and enthusiasm. Our aim is to always focus on meeting the needs of our customers and to treat them fairly. YOU CAN READ MORE ABOUT HOW OUR SERVICE REFLECTS THESE COMMITMENTS AT JCB FINANCE HEADQUARTERS, ROCESTER, STAFFORDSHIRE 12 13
8 JCB FINANCE GOES FURTHER We continually work to develop financial solutions that match the requirements of our customers, always making sure that they follow best practice, are appropriate and easy to understand. JCB Finance was recommended to us by our local JCB dealer, Northfield Agricultural Services, and we ve worked with them ever since. It is important to keep up with new technology and investing in new machinery is the best way to do this. In the agricultural industry we are working in high pressure situations, such as harvests, so it s important that we have the latest machines as we can t afford to have down time. JCB FLEXILEASE: A NEW TYPE OF OPERATING LEASE JCB FlexiLease offers all the features and benefits of an ordinary Operating Lease, with one key difference: any profit from disposal of the asset at the end of the lease is kept by you, and any loss made on disposal is met by JCB Finance. This is a win-win situation for you the only thing you have to do is act as the agent of JCB Finance in selling the machine within 30 days of the end of the lease term. The machine must always be offered first to the original supplying dealer, but after that, you re free to seek other potential buyers. Terms and conditions apply. This facility is limited to JCB machinery and certain other qualifying machines. HP PLUS TAKE A BREAK: BREATHING SPACE IF YOU NEED IT Business operations can face unexpected challenges, and the knock on effects can put finances under pressure. Our HP Plus with Take a Break option counters this by allowing you to take up to 6 months unscheduled payment holidays during a maximum 5-year agreement (a maximum of 2 consecutive months in 1 year). If you take a payment holiday, we will simply extend the period of the agreement, calculating the cost of the holiday using the original interest rate. Terms and conditions apply. WILL WASTLING, PARTNER, F H WASTLING & SONS 15
9 RETURN TO INVOICE GAP INSURANCE: DON T LET A WRITE-OFF DAMAGE YOUR BUSINESS JCB Finance Return to Invoice Advanced GAP Insurance (RTIA) for plant, equipment, cars, commercial vehicles and agricultural machinery gives you the benefit of combining both return to invoice and GAP policies into one product. The JCB Finance RTIA policy provides cover for the financial shortfall between the vehicle insurance settlement and the greatest of either the amount you originally paid for the vehicle or the balance outstanding required to settle your finance agreement. FINANCE FOR NON-JCB BUSINESS: THE CHOICE IS YOURS Our finance options are not restricted to JCB equipment. They are also available for other new non-competitive machinery and all used machinery, cars, 4x4s, commercial vehicles, tractors, harvesters, cultivation equipment, balers, trailers, static plant, dumpers, access equipment and much, much more. A NOTE ABOUT SECURITY JCB Finance is committed to responsible lending. We will look at the credit history and growth prospects of your business, to be satisfied that the repayments can be met. Security is mainly taken on the asset concerned, although personal guarantees may be required if you are borrowing a large proportion of the asset s cost and/or your balance sheet is developing/growing. Investment is important to our business because it allows us to keep all machinery up to date, which in turn sends a good image to customers and helps us win projects. We ve been able to substantially grow the business, knowing that we ve got the backing of JCB Finance for new and future machines. KEVAN HAINES, MANAGING DIRECTOR, HAINES CONSTRUCTION (SOUTHERN) LTD OUR FINANCE OPTIONS ARE NOT RESTRICTED TO JCB EQUIPMENT. THEY ARE ALSO AVAILABLE FOR OTHER NEW NON-COMPETITIVE MACHINERY 16
10 TALK TO US HEADING The information provided here is just an overview of how JCB Finance can help your business develop. Our finance specialists can give you a far more detailed explanation of all the available finance solutions and work with you to identify which might be most appropriate for your business. CALL US ON JCB Finance Ltd is authorised and regulated by the Financial Conduct Authority. For Insurance Mediation, JCB Finance Ltd is an appointed representative of The Royal Bank of Scotland plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. JCB Finance Ltd is registered in England number: Registered office: The Mill, High Street, Rocester, Staffs, ST14 5JW. Visit our website Follow us on twitter
11 JCB Finance The Mill, High Street Rocester, Staffordshire ST14 5JW T F E info@jcb-finance.co.uk twitter.com/jcbfinance
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