Car Finance

Business & Personal Car Finance

Car Finance for Business Owners and High-Net-Worth Individuals: Unlock the Benefits with MacManus Asset Finance

As a business owner or high-net-worth individual, acquiring vehicles for personal or business use can require significant capital. Car finance offers a flexible and cost-effective solution, allowing you to spread the cost of your investment over time, preserving cash flow and optimizing your financial strategy.

Whether you’re looking to expand your fleet, purchase a luxury car, or upgrade essential vehicles, car finance can provide you with immediate access without depleting your liquid assets.

The key benefits of car finance include avoiding large upfront payments, allowing your capital to be reinvested in business operations or other ventures.

Additionally, car finance offers tailored repayment plans, providing the flexibility to choose terms that align with your income patterns or business cash flow.

From tax efficiency to better liquidity management, financing your vehicle acquisitions is a smart way to enhance your asset portfolio while maintaining financial flexibility.

At MacManus Asset Finance, we specialize in sourcing the best car finance solutions tailored to your specific needs. With our extensive network of trusted lenders, we offer access to a range of flexible finance options, including leasing, hire purchase, and personal contract purchase (PCP).

Our team of experienced finance brokers takes the time to understand your financial objectives, ensuring you secure the best possible terms for your investment.

By partnering with MacManus Asset Finance, you gain access to expert guidance, a streamlined application process, and finance facilities that match your individual or business goals.

We pride ourselves on delivering personalized solutions that help you maximize the value of your vehicle investments while minimizing financial risks.

Get Your Car Finance Quote Today

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Access the Very Best
Interest Rates

Quick & Easy Application Process

Dedicated Account Manager Supports You

From Inquiry to Payout in Under a Week

Fee Free Brokerage Service

Access the Very Best Interest Rates

Quick & Easy Application Process

Dedicated Account Manager Supports You

From Inquiry to Payout in Under a Week

Fee Free Brokerage Service

Types of Prestige Car Finance

In the mass car market vehicle contract hire and leasing is widespread. It provides for a fixed monthly cost but is quite restrictive with mileage conditions and fixed term contracts that, in our experience, doesn’t provide the flexibility that most prestige car finance clients are
looking for.

Our brokerage does not exist to service the mass car finance market – it is simply not our client base. We have chosen instead to focus our service on the high end car finance sector and the discerning needs of these clients, and for these reasons we don’t offer car leasing or
contract hire solutions within our brokerage.

They want to choose their own vehicle from their own supplier.
They want to buy used as well as new cars.
They want to negotiate their own price with their supplier.
They want the flexibility to pay lump sums or settle early without excessive penalties.
And importantly, they want to OWN the vehicle, rather than lease it, benefitting from any future sales proceeds.

To provide this solution we offer the following options:

Fixed Rate Hire Purchase

A traditional HP facility with fixed equal payments throughout the term of the agreement. Full title to the vehicle passes to the client when the loan is paid off. The client can settle in full at any time.

Hire Purchase With Balloon

As above, however instead of equal monthly payments throughout the agreement a lump sum “balloon” payment is deferred until the end of the agreement. This balloon is typically set at an amount just below the expected future value of the car at the end of the finance period. This allows for initial monthly payments to be greatly reduced, and provides the flexibility for the client to either part exchange the car, clearing the balloon balance, or refinancing the balloon payment over an extended period if the client wishes to keep the car.

Variable Rate Hire Purchase

As above but with variable interest rate options available from some providers.

Sale & HP Back / Refinance

Any of the above products can be used here, however instead of buying a car, the client already owns the vehicle and sells it to the finance company. The client is paid by the finance company, allowing them to release capital from their car however they wish. The client retains full possession and use of the vehicle, however title passes to the finance company for the period of finance. In every other respect the finance agreement works in the same way as those outlined above.

Why choose MacManus Finance for Car Finance?

MacManus Asset Finance are the Business Moneyfacts Asset Finance Broker of the Year 2024 – awarded as a result of our incredible levels of delivering for our clients. We are a firm directly authorised and regulated by the Financial Conduct Authority and are a full member of the National Association of Commercial Finance Brokers having achieved the enhanced “NACFB Assured” status, we uphold the highest standards of integrity and regulatory compliance.

Led by a team with over 25 years of business finance experience and a track record of supporting hundreds of UK businesses, our credibility speaks for itself. Our extensive network of business finance providers, offering competitive rates and flexible terms, delivers tailored financial solutions that meet the diverse needs of businesses.

At MacManus Asset Finance, we ensure a personalized service and foster long-term partnerships with each of our clients.