AJL Finance Limited

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• JOB VACANCIES

AJL Finance is a Chester based business finance broker regulated and authorised by the FCA. We help businesses across the UK. AJL Finance specialise in the following areas:

Unsecured Loans

Cash flow is one of the most important aspects within a business, but sometimes, your business may come across unexpected expenses that put a massive financial strain if paid outright. We understand this at AJL Finance, and we’re here to help with unsecured loans. These types of loan mean that your business can borrow a lump sum and pay it back over a flexible term, with no security over assets – just a personal guarantee from the company directors.

Secured Loans

Tax Loans

VAT Loans

Asset Finance

Asset finance is beneficial for businesses who might not have that much spare cash, but need a quick and easy solution in order to secure equipment for their business without breaking the bank. To buy equipment outright might be a strain on finances, but asset finance can lend you the cash for important purchases quickly and easily with an agreed repayment term and an affordable monthly cost.

It’s often easier to obtain asset finance than other types of finance solution, so it could be the option for you. The fixed instalment plan is also a beneficial factor of asset finance as it allows you to manage cash flow and organise your monthly outgoings.

At AJL Finance, we offer both finance lease and hire purchase options. Finance lease means that the cost and VAT are spread across the payment term and then the equipment is given back at the end of this term. Hire purchase is where the VAT is paid upfront, the equipment can be bought for a one-off payment at the end of the term.

We also offer sale and leaseback options, where an asset that has been purchased within the last three months and is finance free is sold to a funder, and then your business can lease it back at a monthly fixed cost. As well as this, we can help you with asset re-finance, wherein your business can free up equity held in high-value fixed assets, such as equipment or machinery.

Invoice Finance

There are many different ways to secure a loan or finance, and one way for a business to access cash is to use unpaid invoices or stocks that they may already have. Our team here at AJL Finance can help you unlock the capital that is tied up in your business and make the most of it.

Invoice finance is the facility of using unpaid invoices to help with securing funding, with the benefit of having up to 90% of the value of the invoice in your account within a day.

We offer several types of invoice finance, and they differ in whether the invoice is used as security or purchased outright. We cover the following types:

Invoice discounting
Invoice factoring
Selective invoice discounting

Merchant Cash Advance

Occasionally referred to as an MCA, a merchant cash advance is defined as a short-term funding solution designed for firms that accept credit and debit card payments. It is considered as an alternative form of financing to more traditional financial products like unsecured business loans.

If you trade through online sales or take card payments, a merchant cash advance (MCA) is one of the quickest and easiest ways to access capital for your business without having to worry about fixed terms or repayment schedules. Your business will be able to continue trading, just paying back a percentage of the loan every time a card payment or online sale is made.

Through an MCA, some lenders supply businesses with a sum of money upfront. The businesses then repay the funds advanced with a percentage of its sales from card transactions, plus additional fees.

Unlike other types of business loan, providing they are eligible, firms can obtain an MCA without offering up assets like inventory or property as security to access the funding they need.

Acquisiton Finance

Vehicle Finance

Mortgages

Bridging Loans

Development Finance

For more information either visit our website www.ajlfinance.co.uk or email me at jamie@ajlfinance.co.uk

Thanks

Jamie.

Hours of Business

Monday-Friday: 9am-5pm

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