Range of Services:
Other services
- Life Assurance
- Buildings and Contents Insurance
- Secured Loans
- Unsecured Loans
- Sales Aid Packages
LEASING / LEASE FINANCE
Oxford Funding are market leaders in arranging lease Finance. All businesses require the use of equipment and lease finance is an effective way to acquire new or used equipment without huge capital outlay. Lease finance provides an extremely tax efficient way to acquire equipment or assets to all types and size of businesses from PLC's to sole traders. We will ensure that you are getting the right finance package to meet your funding requirements, with access to over 50 finance companies.
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HIRE PURCHASE
Available for most types of asset but particularly vehicles, Oxford Funding are specialists in offering low rate Hire Purchase Finance. For all types and size of companies, if you require ownership of an asset, this form of finance will help spread the cost.
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CONTRACT HIRE
Almost entirely reserved for the vehicle market, contract hire is the MOST tax efficient way of driving a new or nearly new vehicle, without the huge capital outlay. With repayments fixed over the term of the agreement, businesses can budget for the use of the vehicle and can even incorporate service.
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CORPORATE FINANCE
The raising of unsecured finance, and equity funding. Businesses can normally borrow up to an acceptable level of gearing. When they reach that point of being ‘fully borrowed' then they cannot borrow further unless equity or unsecured funds are introduced to bring the gearing level down. We find these funds normally by looking for assets outside of the company to use as security. The owner/directors homes, savings, personal assets. We also use Government guaranteed loan schemes, and unsecured bank loans.
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FACTORING
A Borrowing facility secured on the whole sales ledger. The lender agrees to advance the client normally around 80% of the value of their invoices as soon as the job is done and the invoice raised. The factoring company collects the settlement of the invoice, and then pays the client the balance of the invoice, less a handling fee and interest. Disclosed Factoring is where the recipient of the client's invoice is asked to pay the factorer direct, undisclosed is where they are paying the client, but sending the cheque to a nominated account controlled by the factorer. Recourse factoring is where the lender will ask for his money back if he has not been able to collect settlement of the invoice.
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INVOICE DISCOUNTING
Similar to factoring. Invoice discounting is never disclosed to the customer. The client usually has the option to only discount the invoices they want to discount. The client also does his or her own credit control.
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STOCKing LOANS
This is a borrowing facility, which enables the client to purchase and hold volumes of stock. The facility is only available against certain types of stock, and is usually offered in association with complimentary facilities such as factoring.
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DEAL FINANCE
This is a facility that allows the client to undertake a deal which they would not normally be able to fund out of cash flow. For example the import of an item or items, which might then be manufactured of changed in the UK, then sold to a customer as a finished article. The facility would finance the cost of the import, the processing cost in the UK, and the period between delivery and payment. The smaller company can with this facility compete with the larger company for the big orders.
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COMMERCIAL MORTGAGES
Mortgages against commercial property.
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RESIDENTIAL MORTGAGES
Mortgages against residential property
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RESERVE FINANCE
This is a specialist funding area where a company is in difficulty. The company has to be turned around and new finance introduced. Oxford Funding identifies the basis of the turnaround, introduces the expertise to handle the legal aspect and provides funding to see the business correctly capitalised to re-launch.
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VENTURE FINANCE AND EQUITY FUNDING
The Venture Finance funds available in the UK tend to kick in when businesses are proven to be profitable and have reached a certain size. When clients have achieved this, we find suitable Venture finance Funds.
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Bridging loans
This is a short-term loan secured on property, which is in the process of being sold. The funds tend to be more expensive than normal mortgages because all the set up costs have to be recovered over a shorter period.
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Personal Loans
Often the quickest and cheapest funding for the client who has a good credit score. Oxford Funding gets discounted rates due to the volume of loans transacted. So funding is often easier, quicker and cheaper through our services. A way to obtain a quick source of funding on a personal level as it does not offer the tax efficiencies of other business related lending.
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Credit Repair
A relatively new service offered to our clients who for the reason of “adverse credit” have been declined an offer of finance. We work with our clients to ensure that their credit history and record is up to date, accurate and paints the correct picture. We lodge notices with the relevant bureau’s and update the brokers who can then make updated applications to secure the funding that is needed.
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Cost of Services:
These services are usually free of charge to the client apart from some minimal document and arrangement fees.
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