HIRE PURCHASE
Hire purchase (HP) allows you to spread the cost of buying an asset, rather than pay for it all at once and use up your working capital.
williams lester asset finance
Accelerate your business's growth with flexible asset and equipment finance matched to your needs. Secure funding to acquire essential tools and technology to help you stay ahead of the competition.
- Over 2,000 customers secured over £100m in funding
- Over 25 years of industry experience
- Rates start at 5.9% APR
williams lester finance: Simplified, Comprehensive Financing For Your Business
Welcome to williams lester finance, our specialist finance division helping businesses access funding with the same commercial insight and experience you would expect from williams lester accountants.
Combining our accounting, tax and business advisory expertise, we can help arrange funding solutions including asset finance, hire purchase, leasing, invoice finance, business loans and tax funding.
Whether you’re looking to purchase vehicles or equipment, invest in growth, improve cash flow or spread the cost of a tax liability, we can help find a solution that fits your wider business plans. Explore the options below to see how williams lester finance can help you invest and grow without putting unnecessary pressure on cash flow.Our Finance Services & Solutions For Your Business
If you’re ready to scale smarter, stay competitive and future-proof your business, explore the services below and discover how williams lester finance can drive your operation forward.
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LEASE
With a lease, you get to use an asset over an agreed period time, in return for monthly payments.
INVOICE FINANCE
Invoice finance is available to all industries and sectors and can help to ease cashflow pressure.
TAX FUNDING
We can help, with Flexible Tax Funding Solutions for Self-Assessment Income Tax, Corporation Tax, and VAT.
Financing Your Business Assets Made Simple
No lengthy application forms
We quickly collect your details via a short web form or phone call and handle the entire process on your behalf.
Minimal documentation required
Usually just your business and personal details, along with bank statements and accounts. Some lenders may request forecasts or updated management accounts, but we guide you every step of the way.
Rapid approvals
Most applications are approved within 24-48 hours (unlike traditional banks, which can take weeks).
Flexible Lending Solutions
We avoid excessive security requirements. Unlike high street banks that often demand debentures and property charges, we focus on practical financing solutions. In most cases, the equipment we fund is the only security needed, sometimes alongside a personal guarantee.
Trusted & Regulated
We are licensed by the Financial Conduct Authority (FCA), ensuring transparency, integrity, and compliance in all our financial dealings. Our expert finance specialists are based at our head office in rural Northamptonshire, ready to provide tailored solutions to meet your needs.
Our Finance Services & Solutions Explained
HIRE PURCHASE
Interest rates and monthly payments are fixed, which can help with budgeting. Terms can range from 1 to 7 years, depending on your requirements. At the end of the term, when all of the payments have been made, the asset is yours.
Some HPs include the option of a balloon payment – your monthly payments will be cheaper over the term, but at the end you’ll make a larger, final payment to purchase the asset. Alternatively, you can arrange to clear the balloon as part of selling the asset, and upgrade to newer equipment, or redeploy the freed up working capital elsewhere in your business.
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Some HPs include the option of a balloon payment – your monthly payments will be cheaper over the term, but at the end you’ll make a larger, final payment to purchase the asset. Alternatively, you can arrange to clear the balloon as part of selling the asset, and upgrade to newer equipment, or redeploy the freed up working capital elsewhere in your business.
LEASE
The terms available range from 1 – 7 years. Like hire purchase, it allows you to spread the cost of the asset, but with a lease you won’t automatically own the asset at the end of the term.
At the end of the lease agreement, you have several options:
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- You can renew the agreement and continue to use the asset
- You can return the asset to the provider
- You can sell the asset and keep a percentage of the proceeds
- You can buy the asset outright
INVOICE FINANCE
Invoice finance allows you to access cash that is currently tied up in outstanding invoices. When you raise invoices with payment terms (eg. 30/60/90/120 days), the lender simply advances up to 90% of the value to you.
When your customer pays the invoice, the lender will pay you the remainder of the funds, minus their fees and charges. When it comes to collecting the full invoice amount, you can either do this yourself, or let the lender do it.
Chasing up the outstanding invoices yourself helps you to maintain some confidentiality – your debtors will not know that you have taken out invoice finance. This option of invoice finance is known as invoice discounting.
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TAX FUNDING
Is cashflow holding back your business growth plans?
We can help, with Flexible Tax Funding Solutions for Self-Assessment Income Tax, Corporation Tax, and VAT: Tax funding provides a quick and effective solution when your business is facing tax payment deadlines and cash flow constraints. Whether you’re struggling with income tax, corporation tax, or VAT, we can help you meet your obligations and keep your business on track.- Self-Assessment Income Tax
- Corporation Tax
- VAT Bills
- Late Tax Payments
- HMRC Debts and Outstanding Payments
PLANT & MACHINERY
Excavators, loading shovels, materials handlers, shredders, picking stations, etc.
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FINANCING INFO:
- No minimum deposit
- VAT payment deferrals available
- Terms from 1 to 7 years
- Funding from £25k to £10m+
- Balloon payments are available, to reduce monthly payments
- Refinance available, to release equity and/or reduce monthly payments
TRUCKS & TRAILERS
Rigid tipper lorries, tractor units, walking/moving floor trailers, tipper trailers, etc.
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FINANCING INFO:
- No minimum deposit
- VAT payment deferrals available
- Terms from 1 to 7 years
- Funding from £25k to £10m+
- Balloon payments are available, to reduce monthly payments
- Refinance available, to release equity and/or reduce monthly payments
INVOICE FINANCE
For businesses who give their customer’s payment terms; eg. 30/45/60 days
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FINANCING INFO:
- The lender releases up to 90% of the invoice value on day one, then when their customer pays on the due date, the lender releases the balance of the invoice minus a small amount for their fees and interest
- Used to improve a business’s cash flow, because they’re receiving most of their payment as soon as they’ve done the work, rather than having to wait 1-2 months
- Businesses with £2m+ turnover
- Competitive fees and interest rates
- More customer-service focussed than high street banks – account managers you can actually get hold of, who are there to help you grow your business
- Up to 90% funding
- Keep credit control in-house, or let the lender take care of it
TAX FUNDING
Specialist finance solutions for tax bills – Annual corporation tax, quarterly VAT, self-assessment personal income tax in January and July
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FINANCING INFO:
- 3 month to 6 year terms available
- Funding from £25k to £2m+
- Corporation Tax
- VAT
- Self-assessment personal income tax
- Can pay funds back to the borrower, if they have already paid HMRC
- Still eligible with an HMRC payment plan in place
- Avoids needing an arrangement with HMRC; they won't always offer another if you've had one before, or are currently in one
- Lower interest rate than many business credit cards & overdrafts
- Keeps cash reserves in hand, protecting against unexpected costs
Helping You Unlock the Full Value of Your Essential Assets
Every piece of equipment is a vital part of your operation’s success.
Quick & Easy Application
Fill in the form below, just tell us what you want, some of your details and we’ll manage the rest.
We have access to 70+ lenders
We work with a wide range of lenders to offer competitive, flexible finance solutions tailored to your business.
Fast Decisions
Most finance is approved within a few working days, but some agreements are approved instantly.
Bespoke Service
We work closely with you to understand your needs and get you the best finance solution available for you.
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Let's get the best finance solution available for you.
Speak with our Business Finance Specialists today
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