FAQs

Why use a broker rather than going to a bank?

Brokers can offer more choice, more lending options and more convenience. We do the work for you, so you can focus on doing what you do best.

Do I need to give a personal guarantee?

In most cases, our customers don’t need to give a guarantee. However, this is dependent upon the age of your business and its previous trading history.

How long does it take for funding to come through?

Once funding is approved and depending upon the type of transaction, funds are generally released within 24 hours.

What do I need to provide?

This depends on the type of transaction that we are considering for you. However, generally all we need is a recent copy of your company accounts and bank statements.

How do I start paying back the repayments?

All payments will be taken by direct debit straight to the lender.

Can I apply for finance if I have been declined elsewhere in the past?

Yes! With our panel of over 100 lenders, we will find you a lender that best suits your financial requirements.

How long can I finance an asset for?

Generally we provide finance terms between 12 and 84 months. However, some longer life assets, such as commercial property, can be financed over longer periods.

Can I finance an asset I have already bought with cash?

Yes. We offer Sale & Lease Back products, whereby a lender will buy the asset from you and then lease it back to you over an agreed term.

What should I do if the asset becomes faulty?

Firstly, check if it’s under warranty. Secondly, contact the supplier to see what your options are. If none of these options are viable please contact us to discuss further.

Will I own the asset after I've paid off the finance?

This all depends on the asset and the finance product you choose. If you wish to own the asset, a title fee will be payable at the end of the agreement. However, if you do not, you can opt to hand the asset back to the lender.

Can I repay the finance agreement early?

Yes, you can repay the agreement at any point and often there is a small discount for doing so.

What happens if I am struggling to keep up with the payments?

Always inform us or the lender as soon as possible. Often the lenders will work with you to resolve the situation. Burying your head in the sand will only make the situation worse.

Is there a maximum amount I can borrow?

The maximum amount you can borrow will be dependent on your financial situation but generally there is no ceiling.

Is it possible to repay a loan early?

Yes, however in some cases there may be an early repayment charge.

Is there a minimum amount I can borrow?

The minimum amount we usually loan is £1,000.

How long can a loan last?

Loans can run from anywhere between 3 months and 10 years depending on your needs and its purpose.

What kind of information do you need to make a decision?

This depends on the type of transaction that we are considering for you. However, generally all we need is a recent copy of your company accounts and the last three months bank statements. In some circumstances we may require copies of your last four quarters VAT Returns.

What kind of products can Kingston Capital finance?

Pretty much any b2b product and service. We often finance IT hardware, software, office equipment, office refurbishments, plant & machinery and vehicles.

When will we receive payment?

Payment will be released as soon as the customer has confirmed they have received the goods.

Can we finance services as well as products?

Yes. We can wrap up the cost of delivery, installation, maintenance and service contracts in with the cost of your products to create a solution which can be financed together.

Is there any risk offering finance?

No, it’s just another way to pay. You wont lose a sale by offering finance but you might win one!

How much does a Synergi Partner Programme cost to set up?

Nothing, it’s free!

General
Why use a broker rather than going to a bank?

Brokers can offer more choice, more lending options and more convenience. We do the work for you, so you can focus on doing what you do best.

Do I need to give a personal guarantee?

In most cases, our customers don’t need to give a guarantee. However, this is dependent upon the age of your business and its previous trading history.

How long does it take for funding to come through?

Once funding is approved and depending upon the type of transaction, funds are generally released within 24 hours.

What do I need to provide?

This depends on the type of transaction that we are considering for you. However, generally all we need is a recent copy of your company accounts and bank statements.

How do I start paying back the repayments?

All payments will be taken by direct debit straight to the lender.

Can I apply for finance if I have been declined elsewhere in the past?

Yes! With our panel of over 100 lenders, we will find you a lender that best suits your financial requirements.

Asset
How long can I finance an asset for?

Generally we provide finance terms between 12 and 84 months. However, some longer life assets, such as commercial property, can be financed over longer periods.

Can I finance an asset I have already bought with cash?

Yes. We offer Sale & Lease Back products, whereby a lender will buy the asset from you and then lease it back to you over an agreed term.

What should I do if the asset becomes faulty?

Firstly, check if it’s under warranty. Secondly, contact the supplier to see what your options are. If none of these options are viable please contact us to discuss further.

Will I own the asset after I've paid off the finance?

This all depends on the asset and the finance product you choose. If you wish to own the asset, a title fee will be payable at the end of the agreement. However, if you do not, you can opt to hand the asset back to the lender.

Can I repay the finance agreement early?

Yes, you can repay the agreement at any point and often there is a small discount for doing so.

What happens if I am struggling to keep up with the payments?

Always inform us or the lender as soon as possible. Often the lenders will work with you to resolve the situation. Burying your head in the sand will only make the situation worse.

Cash Flow
Is there a maximum amount I can borrow?

The maximum amount you can borrow will be dependent on your financial situation but generally there is no ceiling.

Is it possible to repay a loan early?

Yes, however in some cases there may be an early repayment charge.

Is there a minimum amount I can borrow?

The minimum amount we usually loan is £1,000.

How long can a loan last?

Loans can run from anywhere between 3 months and 10 years depending on your needs and its purpose.

What kind of information do you need to make a decision?

This depends on the type of transaction that we are considering for you. However, generally all we need is a recent copy of your company accounts and the last three months bank statements. In some circumstances we may require copies of your last four quarters VAT Returns.

Synergi Partner
What kind of products can Kingston Capital finance?

Pretty much any b2b product and service. We often finance IT hardware, software, office equipment, office refurbishments, plant & machinery and vehicles.

When will we receive payment?

Payment will be released as soon as the customer has confirmed they have received the goods.

Can we finance services as well as products?

Yes. We can wrap up the cost of delivery, installation, maintenance and service contracts in with the cost of your products to create a solution which can be financed together.

Is there any risk offering finance?

No, it’s just another way to pay. You wont lose a sale by offering finance but you might win one!

How much does a Synergi Partner Programme cost to set up?

Nothing, it’s free!

Learn more about our products

Asset Finance

Cash Flow Finance

Synergi Partner Finance

Learn more about our products

Asset Finance

Cash Flow Finance

Synergi Partner Finance

Menu