Mark Campbell Vehicle Leasing provides a magnitude of bespoke financial plans for the business user wishing to purchase a prestige or specialist vehicle.

In the cost conscious 21st. century it is more important than ever to select not only the right motor car for your business, but also the most cost effective method of funding it. Now it is prudent to evaluate all the options to ensure that the right finance package is chosen, so you don't drain your cash flow or reduce working capital. The correct decision can make a vital difference between your company making a good investment or an expensive commitment. So whatever your needs we can arrange a finance package that's right for your business.

BUSINESS CONTRACT HIRE
Contract Hire is a popular choice for V.A.T Registered companies with more than 40% of companies choosing this Funding method. 

Having minimum outlay and maximum control of costs along with the Tax advantages and reduced administration assists business to budget accurately for their vehicle needs. Contract Hire is available for Sole Traders, Partnerships and Ltd Companies.

Finance /Taxation Benefits

• Accurate Monthly Budgeting
• Off Balance Sheet
• Improved Cash Flow
• Minimum Capital Expenditure
• Fixed Interest Rates
• Rentals Allowable against Taxable Income
• V.A.T Recoverable on Monthly Rentals*
• No Depreciation Risks
  * Only 50% of the V.A.T relating to the Finance element is recoverable if car has private usage. 100% if Business only. On Contracts with Maintenance the Service element V.A.T is Recoverable.

Vehicle Running Benefits

• No Vehicle Disposal Problems
• Reduced Administration
• On-going Advice and Support
• Road Fund Licence Provided for Duration of Contract
• Optional Maintenance Package
• Optional Breakdown Rescue Cover
• Optional Replacement Vehicle Cover in Event of Breakdown
• Optional GAP Insurance*
  *GAP Insurance provides cover for the Short-fall between the outstanding Finance and the Insurance Value if vehicle is declared a Write-off by your Insurance Company.

CONTRACT PURCHASE
For Companies who run high-value cars and who would like the option to purchase but want to avoid any risk of depreciation .

A Funding Agreement where you acquire the vehicle by paying fixed monthly instalments with the asset being shown on the Balance Sheet, with an option to retain ownership at the end of the agreement or return the vehicle.

• Fixed Cost Motoring
• Low Initial Payments
• Fixed Interest Rates
• Road Fund Licence for duration of Contract
• Capital Allowances available
• Optional Maintenance Package
• Option to Purchase or Return Vehicles at end of Contract

FINANCE LEASE
Suitable for V.A.T Registered Companies who want to handle the administration of their Vehicles, and have the Asset shown on their Balance Sheet .

This V.A.T beneficial option allows the hire to choose to pay the entire cost over the hire period including interest charges or pay a lower Rentals during the Contract and pay a Final Rental based on the anticipated resale value of the vehicle.

• Low Initial Payments
• Fixed Cost Motoring
• Fixed Interest Rates
• V.A.T Recoverable on Rentals*
  * Only 50% of the V.A.T relating to the Finance element is recoverable if car has private usage. 100% if Business use only.

Your vehicle is hired to you for a fixed period without the option of ownership. Payments cover both the initial cost of the vehicle and the finance charges. At the end of the contract the vehicle must be sold to an independent 3rd party (or alternatively we can dispose of it for you), you receive the proceeds from the sale of the car, less a small fee.

Benefits to you:

• use of the car without ownership
• elimination of capital expense
• better cash flow with fixed monthly rental
• VAT is reclaimable depending on usage
• rentals allowable against taxable profits (proportionally)
• use of the vehicle without a large capital outlay
• business could benefit from the net sale proceeds

LEASE PURCHASE
Finance Product for Non V.A.T Registered Companies that prefer eventual ownership of their vehicles.

These agreements allow for the company to acquire ownership when allof the payments including the optional 'Balloon' payments have been made. The disposal and residual value risks remain with you.

• Low Initial Payments
• Improved Cash Flow
• Capital Allowances available
• Ownership of Vehicle

PERSONAL CONTRACT HIRE
Personal Contract Hire. A relatively new Product that has been especially designed for people who are opting out of their Company Car Scheme and wishing to utilise a Company Car Allowance to Finance a New or Used Vehicle.

You benefit from our purchasing power and the National Leasing Companies, which allows us to offer extremely competitive rates and ensures your money will go further than you may have expected.

Most Rates are the same as our Contract Hire Rates but are plus V.A.T

• Low Initial Payments
• Fixed Cost Motoring
• Optional Maintenance Package
• New or Used Vehicles available
• A letter confirming your Monthly Allowance is normally required
• Vehicle is returned to the Finance Company at the end of Contract
• Contract length terms available from 12 months to 48 months

PERSONAL CONTRACT PURCHASE
Personal Contract Purchase. A popular method for private individuals and non VAT registered businesses who want a hassle-free and cost-effective way to Finance and maintain a vehicle.

This product offers the flexibility of choosing your end of Contract Options and is available on New or Used Vehicle and Parallel Imports.

• Two, Three and Four Year Contracts available.
• Low Initial Payments (Normally 3 Months)
• Fixed Cost Motoring
• Optional Maintenance Package
• New or Used Vehicles available
• Wide range of end of contract options as shown below.

End of contract options:
Option 1 - Pay the final 'balloon' payment and keep the vehicle.

Option 2- Fund the 'balloon' payment over a further agreed period.

Option 3 -  It may be possible to trade in the vehicle, releasing any available equity to form a deposit for your replacement vehicle.

Option 4 - Return the vehicle without making the 'balloon' payment. No further obligations, excluding any excess mileage or damage charges incurred.

Benefits to you:

• lower monthly payments
• flexibility - you can keep the vehicle, extend the contract or return the vehicle
• payments not subject to VAT
• available on new cars and used cars up to seven years old at the end of the contract
• regular payments are kept low and the decision whether to keep the vehicle is left until the end of the agreement
• repayments in advance or arrears