The latest vehicles, with the best finance options

Rise of the self-employed

figures from the Office of National Statistics show that 4.86 million people work for themselves, an increase of 70,000 from the same period last year. Self-employed people now account for 15.1 % of all people in work – Manchester Evening News

UK diesel car sales fall by nearly a third in October

sales of diesel cars fell by nearly a third in October compared to last year, with overall vehicle sales falling by 12 % – BBC News, The Independent, The Times

UK Service Sector sees best results for 6 months

the UK Service Sector saw its best results for six months in October with the latest PMI increasing from 53.6 to 55.6 after a disappointing month in September.

This comes after the UK manufacturing sector beat expectations with its growth results earlier this week, and UK construction, while still struggling, showed improvement on last month

The latest services figures  demonstrate the fastest rate of growth since April 2017, with improved  orders and continued customer demand. Input inflation costs also slowed to the lowest for just over a year. This marks a positive move in the right direction and along with other encoraging sector data, perhaps offers additional confidence in the UK economy.

New orders continued to increase at a robust pace and new work has grown at the quickest rate for six months, thanks to improving demand domestically and new product launches in the sector.

  • Halo Financial – London loves Business

Record number of Bank closures

Banks in Britain are set to close a record 762 branches this year, depriving more customers of access to in-person financial services as Lenders cut costs by pushing business online. The number of branches shut or earmarked for closure this year is more than the 583 closed in 2016 and is the most on record – City AM / Business Day/ Yorkshire Post

Solutions to short-term cash flow problems

Richard Spielbichler of Independent Growth Finance explains that Invoice Finance and Asset-based lending can help businesses circumvent short-term cash flow problems. He says both Invoice Finance and wider Asset-based lending options can be ideal for supporting long term growth – Real Business

increase in Electric Car sales

figures released by the Society of Motor Manufacturers & Traders in August, show that the registration of pure Electric cars shot up by 105 % year on year in July

the registration of Petrol-Electric Hybrids soared by 76.8 % to 5,310 units, nearly 30,000 units over the first 7 months of this year

in contrast the registration of Diesel cars fell by more than 20% to 69,157 in July, an 11% drop over the first 7 months of the year – Business Car Magazine

Construction SMEs resort to self-funding

The directors of small British construction businesses are lending them more money to plug a funding gap as Banks set tighter lending criteria, focusing on larger players, and major contractors delay payments. A survey of traders including electricians, plumbers and decorators, by online finance market Funding Options, found directors lent the companies £38 million in 2015/16, up from £ 29.7 million. Funding Options warned that subcontractors that fail to find secure funding solutions could face insolvency – Daily Mail/Yorkshire Post

Funding Concerns

A recent study by Insurer Hiscox has revealed that 36% of business owners said a lack of choice was the most common single challenge they faced when looking for funding. What also emerged was that 20% are still unaware of the variety of funding options available to them. Meanwhile, a discussion paper from the Institute for Public Policy Research Commission on Economic Justice warns the financial sector is `not sufficiently supporting` long-term investment in the domestic economy, with small firms `frequently unable` to access neccessary bank lending . – Business Matters/The Herald

Visa plans to pay businesses to ban Cash

Visa could pay British businessesto stop accepting coins & notes, after its chief executive vowed to `put cash out of business`. The Telegraph reports that Visa will offer shops & restaurants lump sums worth thousands of pounds, as well as free contactless technology upgrades, if they ensure that customers only pay by debit card, credit card or digital payment such as Apple Pay. The FSB said that making businesses cashless could hinder tourists who use cash, and people living in rural areas with slower broadband speeds. – Tne Daily Telegraph/The Times/The Sun

Cancelled Order – great deal on Skoda Superb Estate

One only New Skoda Superb  2.0 Tdi CR 190 Sport Line DSG Auto Estate in Laser White

includes Sat Nav., Bluetooth, Leather etc

Contract Hire @ £ 229 + vat based on 6 + 23 10k pa NON Maintenance (same deal through Lex is £ 470 pm)

Finance to Business

in Quarter 4 of 2016 the  combined Net Lending to Businesses of 22 UK Banks was £220 million, whereas Net Lending by Funding Circle alone was £167 million – why not think of other options to your Bank – source Funding Circle

New Speeding Penalties

the Governement has introduced tougher penalties for Speeding offences  following an increase of 44 % over the last 5 years

they came into force on 24th April 2017 and mean that offenders will be fined based on a percentage of their weekly income & severity of the offence

there are 3 Offence Bands (Band A example 36mph in a 30mph zone minimum Fine £ 132 rising to Band C 105mph in a 70 mph zone maximum fine of £ 929)

Worst cars for pollution

Which? has carried out tests on diesel cars analysing 278 diesel cars from leading carmakers between 2012 and 2016 testing average NOx emissions alongside official Euro 5 & more recent Euro 6 limits (set at 0.18g/km & 0.08g/km respectively)

all 16 Renault cars had NOx emissions up to 4 times higher for Euro 5 & 9 times higher for Euro 6 limits – 0.73g/km & 0.72g/km respectively

6 Nissan cars tested had average NOx emissions of 0.8g/km

Jeep also had some of the highest emissions- 1.735 g/km on the 2 cars tested – 9.5 times the Euro 5 limit

the 33 BMW cars tested had some of the lowest NOx emissions – average of 0.41g/km for Euro 5 & 0.14g/km for Euro 6 – John Kiran Motor Trader

Tesla passes Ford in market value

Tesla has passed Ford in market value after shares in the firm added more than 7 per cent

at recent close of trading, Tesla had a market value of $49billion (£38billion), whereas Fords value was $46billion

Teslas shares rose after an announcementof record car deliveries in the first 3 months of this year

beat the Vehicle Excise Duty rise

there are a limited number of  March Pre-Registered cars available which can save you £s –  see Latest Offers page or contact us for details

US trade deal could see prices fall within 6 months

A report claims that a trade deal with the US that would send prices for British consumers tumbling could take less than 6 months to agree. Shoppers would benefit from cheaper food, cars and clothes imported from America under the proposals to cut tariffs. The plan for a fast-track trade deal between Teresa May`s Government and Preident Donald Trump`s White House administration has been put forward in a report publishe today by the Eurosceptic group Leave Means Leave. – Daily Express

Tax deadline worries ?

did you know that we have access to 63 Lenders and some of them offer Loans from £ 1000- £ 5 million for  Tax Bills, Cash Flow, Stock Purchases -all sorts of short term requirements

More firms opt for Asset Finance

A report by the Asset Based Finance Association shows asset-based finance is closing in on Bank Overdrafts market share as a source of finance. It found that £9.5 Billion was lent to small businesses via asset based finance in 2016, a 3% increase from £9.2Billion in 2015. In contrast. the number of business bank overdrafts decreased by 2% to an average of £12.4Billion in 2016, down from £12.6Billion from the previous year. Jeff Longhurst , chief executive of the ABFA, said “businesses are realising they can leverage the value of assets such as outstanding Invoices for the direct benefit of their businesses- and there are a number of flexible options they can choose from”. – Startups

Bricklaying Robots on their way to the UK

Robot bricklayers could arrive on building sites in Britain in months, construction experts have told the Times. The devices have already started replacing humans on a handful of sites in America, with the newly launched Sam (Semi-Automated Mason) capable of laying up to 3,000 bricks a day compared with the human average of 500.  Construction Robotics, SAms creator, has said that company executives aim to introduce the robots in Britain

Government Borrowing down

Government borrowing fell to £ 1.8 Billion in February, down from £ 4.6 Billion a year ago according to the ONS

following a rise in Corporation Tax receipts up by 21.3 % to £ 50Billion

in the financial year to date, borrowing has fallen by £ 19.9 Billion from last year to £ 47.8 Billion

Accessing Finance requires a leap for gazelles

the Commons business, energy and industrial strategy committee has warned that access to finance is posing a barrier to high-growth small businesses

  • the Daily Telegraph

Highest New Car Registrations

January saw the highest number of New Car registrations in that month for 12 years – it is widely believed that one of the main reasons is the increase in Vehicle Excise Duty for new cars from 1st April

Save £000`s on 66 Plate Commercial Vehicles

there are a range of Nissan, Fiat, Vauxhall , Citroen & Renault Vans with excellent savings

ranging from over £ 4,000 off a Nissan Navara Double Cab to over  £ 10,000 saving on a Vauxhall Movano Van

contact for details – Limited numbers available

Price Protected Renault Vans

there are a limited number of Trafic & Master Vans which have been registered to beat the 1st April Price increase – contact us for details

Access to Funding

a new study from Aldermore Bank has highlighted that 19% of British SMEs have missed out on business opportunities because they couldn`t access finance

-if this is you  please contact us – we have access to 59 Lenders

Finance for £ 25k Furnace

in April we  completed the finance on Hire Purchase over 5 years for a New Furnace costing £25k for a Diecasting company based in Bridgnorth, Shropshire

Sale & Hire Purchase Back Finance for £ 335k Sheet Metal Machine

in September we arranged the finance on a Sale & Hire Purchase back facility for an engineering company in South London

the goods were supplied by a German manufacturer

Finance for £ 45k Computer System

in October we arranged finance on Hire Purchase over 5 years for an Insurance company in East Sussex

Finance for £ 25k Telephone System

in October we arranged finance on Hire Purchase over 5 years for a Charity in Easst Sussex

Finance for £ 60k Optical Machine

in November we arranged finance on Hire Purchase over a 5 year period for a company in East Sussex

Finance for Kawasaki Mule

we recently financed a  Kawasaki Mule 4wd multi purpose vehicle for a Zoo on Hire Purchase over a 4 year term

Cheapest Berlingo prices ever ?

Citroen Berlingo 1.6Hdi 625kg 75ps Enterprise Van  (inc Sat Nav., Rear Parking Sensor, Bluetooth, Air Con etc)

Contract Hire 24 months  3 + 23  10k pa NON Maintenance @ £ 139 pm + vat

Financial Conduct Authority

Trafalgar Leasing and Asset Finance are Authorised and regulated by the Financial Conduct Authority

and are Appointed Representatives of Asset Finance Solutions UK Ltd

Help for the Farming Community – Hitachi Capital




From: Sonia Rai []
Sent: 11 February 2014 11:47
Subject: Support for the farming community


As a business that has been a major supporter of the farming community for many years we recognise and are dismayed by the severe impact the flood conditions are having on individual livelihoods and businesses.


We are able to provide immediate financial assistance where cash flow issues have arisen due to this situation and we would advise you and your customers to contact our Support team on 0844 375 55060844 375 5506 . We can offer a number of solutions including three month repayment holidays where required.  We will be waiving all normal fees under these circumstances.


We also recognise that unforeseen replacement or new equipment may be required to repair the damage caused by the weather conditions and have allocated £4m of short term funding at zero percent interest to assist.  We are covering the full cost of the interest during this period and it is available on any appropriate asset purchase through a 6 month hire purchase facility, with a single capital repayment at the end of the agreement*.


All of us at Hitachi Capital Business Finance are fully committed to ensuring our farming customers and partners are fully supported during this unprecedented period.


Kind regards


Gavin Wraith-Carter

Head of Risk


*Customers will have the option to request extensions of this agreement on normal terms at the end of the period should they wish.



Hitachi Capital (UK) PLC is registered in England and Wales, Company No. 1630491. Registered Office: Hitachi Capital House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP.

Save over 50 % on Used `12` plate Volvo V60 D5 SE Lux Geartronic Estate

`12` plate Volvo V60 with Sat.Nav, Leather, Metallic, Climate, Rear Park Assist , Heated Front Seats etc

@ £ 18,600 (inc 12 months RFL) –  New List Price is £ 39,000 – Limited numbers

Save over £100 per month on Ford Focus 1.6 Tdci Zetec @ £ 169 pm

new Ford Focus 1.6 Tdci Zetec 5 door Hatchback + Metallic paint @ £ 169.99 + vat per month

based on a 24 months Contract Hire deal 3 rentals deposit followed by 23 rentals 10, 000 miles per annum Non Maintenance

Limited numbers available offer ends 30th September or while stock lasts

Great Savings on New Vans

Save over £ 12,000 on New Peugeot Boxer Vans,   £ 7,000 on Vauxhall Vivaro Vans, £ 5,500 off Peugeot Partner Van – see Latest Offers Page for full details of these and other great savings

Renault ZOE ZE Electric Car

last week I was treated to a `trip round the block` in a customers New Renault Zoe ZE Electric car – it was a new experience, no noise, very fast acceleration and NO Fuel cost (apart from the Electricity charging the battery when needed) it has a range of 170 miles before it needs recharging.  the customer has been very pleased with it and I was very impressed, although because it is so quiet no one can hear you coming (the customer actually knocked someone down when they were walking on the road on a mobile after a football match – but not hurt thankfully) – if you are interested this car can be supplied on Business Contract Hire @ £ 244 + vat per month (3 years 3 + 35 10k per annum Non maintenance)

Why you should choose DAB Radio

I understand that when the Radio networks change from FM to DAB (scheduled sometime in 2015), that all FM Radios will cease to work unless you pay something like £ 200 or more to convert them

if you are Buying or Leasing a New Vehicle – choose to have the DAB Radio option to save you money & problems in a couple of years time

see also

Finance for Sub-Prime deals

we deal with several Lenders who are prepared to offer terms for customers who have had credit problems in the past – so if you have had defaults or CCJs don`t despair – contact us to see if we can help

Hitachi Capital Business Finance

I can now quote Asset Finance terms using Hitachi rates in addition to the many other main stream Lenders which we deal with

Nissan Juke 1.6 94 Visia 5dr @ £ 145.99 over 2 Years

Vauxhall Insignia 2.0 CDTi + Sat Nav etc @ £ 244 pm

Vauxhall Insignia 2.0 CDTi Tech Line 130 Ecoflex 5dr Hatch @ £ 244.99 pm + VAT

inc. Navi 600 Sat Nav + colour screen, DAB, Bluetooth, USB, Cruise. Alloys

based on Business Contract Hire  36 months 3 + 35  10k pa  NON Maint

Funding Circle for Loans from £ 5k – £ 500k

I had an interesting meeting with Funding Circle last week – they are the biggest Peer to Peer Lender in the UK

Interest Rates are quoted by the Investors who effectively buy the Loan – besides being a very transparent way for a company to arrange funding it is very attractive to Investors who can obtain a far better return on their investment than traditional options. they only deal with Limited Companies

Audi A3 2.0 Tdi SE 3 door hatchback @ £ 199.99 pm

based on a 2 Year deal 3 + 23 10k per annum  NON Maintenance Contract Hire

Save over £ 10,000 on New Volvo XC70 2.4 D4 SE Lux Geartronic AWD

New Volvo XC70 2.4 D4 163 SE Lux Geartronic AWD @ £ 28,115  (list Price £ 38,475)

includes Sta Nav., Leather, Multi Media Audio Player, Rear Park Assist, Bluetooth, Heated Front Seats, Xenons etc

3 only available from UK Volvo dealer

Citroen C4 Grand Picasso @ £ 219 over 18 months

1.6 Hdi Platinum manual inc. Bluetooth, Dual Air Con, Panoramic Sunroof

based on 18 month Business Contract Hire 3 + 17  10k pa  NON Maintenance @ £ 219.99 + VAT

Citroen DS4 on Personal Contract Purchase @ £ 199.45

New Citroen DS4 DStyle Hdi 115 hatchback in Polar White based on 2 Year Agreement with £ 999 Deposit and 10,000 miles per annum

includes Road Side Assistance and 3 year 35,000 mile Servicing Agreement, Road Fund Licence for 1st year only, £ 125 Doc Fee

No Vat on payments 7.5 % APR – Option to Purchase or Hand car back at the end of 2 years

Seat Exeo SE Tech 4dr Inc Sat Nav & Leather @ £ 211.99 pm

also includes Cruise, Bluetooth Climatronic Bi-Zone, MP£ Compatible CD Player + USB Connection, Rear Parking Sensor, Metallic, DVD Route Planner with Colour Screen

based on Business Contract Hire 36 months 3 + 35 profile 10,000 miles pa NON Maintenance

Great Deals on Short Term Rental for Cars & Vans

Ford Fiesta 1.0 Petrol Zetec 5 door hatchback @ £ 265 + vat per 28 days (based on 3 months rental period with mileage of 1,000 pm)

Ford Transit Connect SWB Van  @ £ 289 + vat per 28 days (based on 3 months rental period with mileage of 1,000 pm)

other makes & models and mileages available

Free Delivery & Collection    – Documentation Fee – £ 150