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Here’s why

At Cambridge & Counties Bank, you won’t find one-size-fits-all lending through frustrating digital portals. You will however, find an experienced frontline team who understand that no two businesses are the same. That’s why we stick our necks out, manually assessing and underwriting only the right deals for your clients. Using our wide market knowledge we support your clients through the application process and beyond.

Hire purchase

Do you have clients that are looking to spread the cost of important capital purchases over time? Take a look at our hire purchase solution.

Key features

  • Tax efficient as hire purchase interest and charges can be offset against pre-tax profits*
  • Repayment terms up to 7 years
  • Claim applicable capital allowances
  • Reclaim your VAT on the capital cost (if VAT registered)*
  • Same day pay-out
  • Documentation produced by our experienced team
  • Credit lines available

Lending criteria

  • Borrow up to 100% of asset cost
  • Non-regulated deals only
  • Balloon payments considered
  • VAT deferral available
  • Lending up to £1.5m per single asset
  • Asset up to 10 years old at the end of the agreement

*Cambridge & Counties Bank does not give tax, legal, regulatory or accounting advice and you should seek your own independent advice before entering into a transaction. The accounting treatment of a particular product is a matter for agreement between you and your auditors.

Finance lease

Are your clients planning to grow and expand their business? Finance lease helps your clients obtain key assets without tying up capital and helps manage cash flow effectively.

Key features

  • Receive 97.5% of the net sales proceeds following the sale of the asset and termination of the facility
  • Same day pay-out
  • Documentation produced by our experienced team
  • Tax efficient as rentals can be treated as a business expense and offset against pre-tax profits*
  • Credit lines available

Lending criteria

  • Minimum deposit of 1x monthly rental required
  • Lease terms up to 5 years
  • Lending up to £1.5m per single asset
  • Non-regulated deals only

 

*Cambridge & Counties Bank does not give tax, legal, regulatory or accounting advice and you should seek your own independent advice before entering into a transaction. The accounting treatment of a particular product is a matter for agreement between you and your auditors.

 

Agriculture and farming

A variety of agricultural equipment including:

  • Tractors
  • Combines
  • Balers
  • Frontloaders
  • Sprayers
Image of Agriculture and farming scene

 

Construction

A wide range of construction equipment including:

  • Excavators
  • Access platforms
  • Dumpers
  • Mobile generators
  • Loaders
  • Cranes
  • Telehandlers
Image of Construction scene


Machinery and material handling

A wide range of machinery and material handling equipment including:

  • Mobile lifting equipment
  • Forklifts
  • Pallet trucks
  • Waste and recycling equipment
  • Balers
  • Shredders
  • Compactors
Image of Machinery and material handling scene

Commercial vehicle

A range of commercial vehicles including:

  • Cars
  • HGVs
  • Trailers
  • Light commercial vehicles (LCVs)
  • Heavy Commercial Vehicles (HCVs)
  • Tankers
  • Haulage and road recovery
Image of Commercial vehicles scene

 

Pure electric vehicles (PEVs)


A wide range of pure electric vehicles including

  • Taxis
  • Cars & fleets
  • Motorbikes
  • Light commercial vehicles (LCVs)
  • Heavy commercial vehicles (HCVs)

Other assets are also considered on their individual merits.

Image of Pure electric vehicles (PEVs) scene

 

Specialist cars

We finance the following car types:

  • Classic
  • Vintage 
  • Modern classic
  • Racing

Spotlights

Image of Driving the change to a cleaner, greener future

Pure electric vehicles

Driving the change to a cleaner, greener future

Read More
Image of Take a look at our total asset class coverage

Asset classes

Take a look at our total asset class coverage

Read More

We understand how busy you are and that’s why we want to make things as easy and straightforward as possible.

When you work with Cambridge & Counties Bank, you’ll benefit from:

  • an experienced frontline team who’ll assist in structuring the right deal for your client.
  • support through the application process and beyond.
  • our manual underwriting process combined with our wide market knowledge.
  • documentation prepared by us, together with commission paid at the same time as the loan is drawn down.
  • our outstanding customer satisfaction scores.

No portals. No complicated forms. No jargon. Just the right resources to help your clients grow.
It’s that simple.

"Your efforts and attitude to help get this over the line have been nothing short of outstanding. This is what sets Cambridge & Counties Bank apart from the numerous other lenders we encounter."

Stuart Oldfield, Platinum Money Ltd

"I was most impressed with the regular updates and communications and the understanding of our deadline. As a lender, your 'can do' attitude was most refreshing."

Julie Priest, Charles Louis

"Thank you to the entire team, with all your help we managed to get there, and, in the process, we saved the customer £4,000. Great work guys!"

Alex Churchill, Real Property Finance

"I would like to extend my thanks to all parties at Cambridge & Counties Bank involved in this transaction. There were several challenges to overcome and it was very refreshing to see that the Bank went the extra mile (& then some) to enable this deal to get over the line."

Andy Reynolds, Sterling Capital Reserve Ltd

"Of all the banks I deal with, I have to say the Cambridge & Counties Bank team work tirelessly to get deals agreed and drawn. It is good dealing with a bank who always works to find solutions for clients (and brokers) rather than looking for reasons not to provide funding. It’s very refreshing in the current climate to have someone that understands funding and has the desire to get things done. Once again thanks for your help and support."

Simon Harrison, Flexible Commercial Funding Ltd

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