GROWING YOUR BUSINESS

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1 Spring 2016 Issue 1 GROWING YOUR BUSINESS T H R O U G H PA R T N E R S H I P This Issue A Warm Welcome Familiar Faces of AFP How We Can Work With You Success Stories & Testimonials Contacts A Warm Welcome to Asset Finance Partners AFP is a specialist, independent, direct lender to the UK agricultural industry. We offer bespoke, tailor made asset finance solutions including hire purchase and leasing for equipment, machinery and vehicles, as well as secured loans to finance land, buildings and revolving credit facilities. We have a highly experienced asset finance team covering the whole of the UK together with a support team based in Cambridgeshire. This enables us to offer our customers a traditional face to face service, combined with swift credit decisions and then payment of funds. AFP is proud to be the only independent funder offering the complete finance product range to rural customers, all at market leading fixed interest rates. AFP is proud to take on the mantle of headline sponsor for the LAMMA Show from We are committed to supporting the agricultural industry and its most important trade show. Matthew Smart, Head of Asset Finance

2 Familiar Faces at AFP The majority of our team originate from the UK agricultural industry with over 100 years combined experience within the industry. In addition to their strong knowledge of our finance solutions and the UK agricultural industry, our people take the time to get to know the businesses they are working with before suggesting packages that are best suited to each customers individual needs. Our aim is to become the leading asset based lender to the UK agricultural industry, by offering our customers a one stop shop for all their asset finance requirements whether it be land, equipment or revolving credit. Unlike other lenders, we combine a traditional face-to-face service with fast turn around of funds at very competitive pricing. The relationships we form with our customers on a daily basis, encompass the most important part of our business MATTHEW SMART, HEAD OF ASSET FINANCE, AFP How Asset Finance Can Help Your Business Acquire new equipment to help run your business more efficiently Supplement working capital requirements of the business by releasing cash tied up in assets Complementary funding source to help preserve your working capital Reliable, sustainable forms of funding Assets We Finance Land Buildings Equipment Machinery Commercial Vehicles 4x4s Livestock Sectors We Finance Agriculture Horticulture Haulage Plant Hire Equestrian Forestry Groundscare Our Finance Solutions Hire Purchase Finance Lease Operating Lease Secured Business Loan Secured Revolving Credit

3 Herbert Engineering Develops and Expands New Product Ranges to the Agricultural Industry This second generation family business is the UK s leading vegetable handling specialist to the agricultural, fresh pack and process industry. Having established their manufacturing reputation over many years in designing innovative, robust products, Herbert Engineering is again launching a range of new products to drive efficiencies in both the field and factory. AFP are proud to be selected as their funder of choice for the R&D work, as well as for their retail finance offerings. Seasonal sales demands effect Herbert s product stocking levels and trade supply. AFP s intimate knowledge and understanding of the agricultural markets has helped grow a strong, successful partnership between the two companies, enabling many new agricultural products to be launched to the market. Our business is a privately owned family business operating in very competitive UK and world markets, our primary aim is to support British growers remarks Jo Herbert, Director, We have built up good relationships over many years with our customers who rely on our machinery to work non-stop, day after day to deliver their goods to the public, fresh and in perfect condition. Thanks to the long term relationship we have with Geoff Barrett, Matthew Smart and their team at AFP, we have complete confidence that our business requirements will be met. AFP meet our very high standards and expectations when it comes to a varied range of finance offerings for both ourselves and our customers. Their finance products compliment our in-house expertise to provide fully integrated solutions with first class service and backup to support our business and that of our customers. Retail finance schemes on all new Herbert equipment is now part of the package most customers expect when ordering high value, robust equipment for field or factory use. AFP work within the Herbert Engineering sales team to facilitate faster build and delivery of Herbert equipment, complimented by the most competitive customer finance packages on the market. AFP meet our very high standards and expectations when it comes to a varied range of finance offerings for both ourselves and our customers JO HERBERT, DIRECTOR, HERBERT ENGINEERING Lookout for the new generation products and finance schemes launching this season. Call us now:

4 AFP provided different ideas and considerations which were discussed around the family table, face to face STEPHEN CASTLE, OWNER, CASTLE FARM Farming Diversification at Castle Farm Mrs Castle, her son Stephen and his Uncle farm 320 acres of mainly arable land in Huntingdon, Cambridgeshire. Under Stephen s direction, 15 acres of land is being developed into a solar energy park to ensure the continued viability of the farm for future Castle generations. A substantial amount of money has been invested into the project, and with AFP providing both finance and project management support. The Castle Renewable business provides an income stream to support the farm for the next twenty five years. We had already installed a biomass boiler for the farm s heating and hot water requirements, with a smaller solar panel system incorporated, so we were confident based on these experiences that this new project was the right decision for us. We wanted to be involved and in control of our future, and looking around and talking to other lenders, the overall package that AFP were offering suited us perfectly Stephen Castle, Owner, remarks, With AFP s involvement we engaged in open and frank discussions of our financial requirements and initial concerns. With the support, flexibility and variety of finance options available from AFP, we are now highly confident of the monetary returns for the next 25 years. AFP provided different ideas and considerations which were discussed around the family table, face to face. Having farmed for 75 years, we are confident we can continue to our 100th year. The project was completed in September 2015 and we now have our first six months of income, which have well and truly exceeded our expectations. Geoff Barrett Asset Finance Matthew Smart Head of Asset Finance Tina Scott Asset Finance Leanne Green Asset Finance Mobile: geoff.barrett@afp.uk.com Mobile: matthew.smart@afp.uk.com Mobile: tina.scott@afp.uk.com Mobile: leanne.green@afp.uk.com Call the office:

5 Combine Specialists Kevin Kirby Ltd Over the last 15 years husband and wife team, Kevin and Liz Kirby, have built up a reputation as one of the UK s premier combine harvester providers, be it new combines, for hire or pre-owned combines for hire or purchase, Kevin Kirby has a product and a finance plan to suit. AFP provides a financial stocking facility to Kevin allowing financial flexibility for day-to-day trading. Large commercial cereal growers can hire or lease the latest high-tech combines of their choosing over a five-year period. Local trade dealerships provide service and support throughout the country whilst Kevin arranges funding of the new, second hand and part exchange machines. Our experience and contacts in the industry allow us to see combine harvesters coming to the end of their financial agreement, as an asset with equity not a high cost liability. With AFP as our finance partner they provide simple, clear finance options with no hidden costs, remarks Kevin Kirby, Owner, Throughout my years of dealing with Geoff Barrett and Matthew Smart, they have always delivered what they have promised and on time, whilst keeping us fully informed throughout the process. With AFP as our finance partner they provide simple, clear finance options with no hidden costs KEVIN KIRBY, OWNER, KEVIN KIRBY LTD Call us now:

6 Contact Us Today Asset finance is the fastest growing finance option for UK industry. AFP is unique in offering a one stop shop for all your finance requirements. Our hire purchase and leasing options enable you to finance the more traditional asset classes such as equipment, machinery and vehicles. In addition, AFP provides secured loan finance for new purchases of agricultural land and/or buildings as well as the option to refinance unencumbered land and/or buildings to generate funds for working capital, revolving credit and expansion projects. We offer a full range of simple finance solutions to our customers. Using our expertise in the industry we will review your business requirements and help you choose the product that best suits your needs. To get an idea of the different types of finance solutions we offer please visit our website, call us on or come and visit us at our new office location in Ely, Cambridgeshire. Denmark House, St. Thomas Place, Ely, Cambridgeshire CB7 4EX, United Kingdom Call us now: