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term:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" 24–72 months (case-dependent)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Assets:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" vans, HGVs, plant, machinery, IT, fit-out and more\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Upfront:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" usually lower than HP; VAT typically spread across rentals (per agreement)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"End-of-term:\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}},{\"nodeType\":\"text\",\"value\":\" extend, upgrade, or sell/return per contract (no automatic title)\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"8ca4c4e7-c8a3-5c7d-8bf6-ca48aae14a73","label":"What is a finance lease?","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"A finance lease is a type of asset finance where a business rents an asset from a lender or leasing company for most of its useful life. The lender purchases the asset and leases it to your business for an agreed term. You make regular payments to use the asset—but you don’t own it.\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"At the end of the lease, you typically have the option to:\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"extend the lease on a rolling basis\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"upgrade to a newer model\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"return the asset\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Ownership remains with the lessor, which can have accounting and tax advantages.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"82b1e4a3-d148-54d9-9ef0-f975d1c12a87","label":"Finance lease example","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Let’s say your company needs a delivery van costing £30,000. A finance lease allows you to lease the van over 4 years with monthly payments of £700. At the end of the term, you can extend the lease, upgrade to a new van, or return it to the lender.\",\"marks\":[],\"data\":{}}]}]}"}}],"expandedAccordionItems":[{"id":"82b1e4a3-d148-54d9-9ef0-f975d1c12a87"},{"id":"8a829203-ec55-588a-b4df-f5ca55effe86"},{"id":"8ca4c4e7-c8a3-5c7d-8bf6-ca48aae14a73"}]},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"id":"29af98f3-c195-5efc-8fbd-0031e12ef602","sys":{"contentType":{"sys":{"id":"templatesV2SectionListOfExpandedItems"}}},"title":"Why choose a finance lease?","items":[{"icon":"Hand holding bag of money","title":"Ownership","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"For assets with a long useful life, it's a good option to choose a finance lease. But why not go for an \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/operating-leases/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"operating lease\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\"? In a finance lease agreement, ownership of the asset is transferred to the lessee at the end of the lease term. In contrast, in an operating lease agreement, the ownership of the asset remains during and after the lease term with the leasing company. \",\"marks\":[],\"data\":{}}]}]}"}},{"icon":"House and coins","title":"Flexible payments","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Flexible payments are one of the benefits of a finance lease. Lenders will work out payment plans that suit your business and cash flow needs.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"icon":"Plant vase","title":"End-of-term options","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"There are also flexible end-of-term options. What does that mean? In essence, this means that you can return the asset to the lender for resale, sell it to a third party, or choose to go for a secondary lease period. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}}]},{"title":"Common use cases","descriptionCards":[{"title":"Commercial vehicles","icon":"Wallet","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Vans, HGVs, and electric vehicles - finance leases are often used by logistics, trades, and courier companies.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Construction and industrial machinery","icon":"House and coins","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Businesses in building, engineering, or infrastructure often lease excavators, cranes, or forklifts to avoid large capital expenditure.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Technology and IT","icon":"Computer and Mobile phone","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Finance leasing allows companies to stay current by upgrading servers, telecoms equipment, or laptops every few years.\",\"marks\":[],\"data\":{}}]}]}"}},{"title":"Office fit-outs and furniture","icon":"Document and coins","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Desks, chairs, printers, and even lighting systems can be financed without tying up working capital.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}}],"sys":{"contentType":{"sys":{"id":"templatesV2SectionListOfItemsWithHolder"}}}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordion"}}},"title":"Is finance lease right for your business?","accordion":{"accordionItem":[{"id":"2f6ddd01-bffc-5fb9-976d-7c3b26440235","label":"A finance lease could be a good option if your business:","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\",\"marks\":[],\"data\":{}}]},{\"nodeType\":\"unordered-list\",\"data\":{},\"content\":[{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Needs access to high-value equipment\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Prefers not to own the asset outright\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Wants predictable monthly repayments\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Is seeking tax efficiency (lease rentals are often deductible)\",\"marks\":[],\"data\":{}}]}]},{\"nodeType\":\"list-item\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"May want to upgrade or return the asset after a fixed period\",\"marks\":[],\"data\":{}}]}]}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"However, it may not be ideal if you plan to retain the asset long-term, in which case \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/hire-purchase/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"hire purchase\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" or \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/asset-refinance/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"asset refinance\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" might be better suited.\",\"marks\":[],\"data\":{}}]}]}"}},{"id":"d8ff313f-06c9-5a87-bd02-cc4299a82972","label":"Finance lease vs hire purchase","content":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"table\",\"data\":{},\"content\":[{\"nodeType\":\"table-row\",\"data\":{},\"content\":[{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Feature\",\"marks\":[{\"type\":\"bold\"}],\"data\":{}}]}]},{\"nodeType\":\"table-cell\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Finance 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You should seek independent financial advice before making any decisions about your financial future.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. 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