Leasing

Equipment Leasing for UK Businesses 🍽️

A Smarter, More Tax-Efficient Way to Invest in Catering Equipment

New to equipment leasing? You’re not alone. Many UK businesses are discovering that leasing is a flexible, tax-efficient and cash-friendly alternative to purchasing equipment outright.

At Advantage Catering Equipment Ltd, we help businesses make informed decisions by offering authorised leasing advice and access to competitive finance solutions that support growth without draining capital.

Fully FCA Authorised & Regulated ✅

Advantage Catering Equipment Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under Consumer Credit Licence Number: 732004.

This means we are legally permitted to:

  • Discuss leasing options

  • Provide regulated advice

  • Arrange leasing facilities for UK businesses

Only authorised firms can offer this level of support, giving you peace of mind that you’re dealing with a trusted and compliant provider.

Why Leasing Makes Good Business Sense 💼

Leasing is one of the most popular ways for UK businesses to acquire catering equipment — and for good reason.

✔ 100% Tax Efficient

All lease payments are 100% tax allowable, meaning you can offset the full cost against your taxable profits.

Depending on your corporation tax rate, this could result in real savings of between 20% and 40% over the term of the lease.

✔ Improved Cash Flow

Leasing allows you to:

  • Acquire essential equipment without using valuable capital

  • Avoid large upfront costs

  • No deposit required in most cases

Your cash stays available for other priorities such as:

  • Hiring new staff

  • Marketing and business development

  • Expanding your operation

Key Benefits of Leasing Equipment 🔑

💷 Conserves Cash Reserves

Instead of tying up funds in a large lump-sum purchase, leasing spreads the cost into manageable monthly payments, allowing your business to remain agile and financially stable.

📉 Reduced Tax Liability

Lease payments are treated as direct operating expenses, not debt. This means:

  • Lower short-term taxable income

  • No long-term liability recorded on your balance sheet

  • Improved financial ratios

This structure is often preferred by banks and lenders.

📊 “Off Balance Sheet” Financing

Because leased equipment remains the property of the lessor:

  • It does not appear as a depreciating asset

  • No capital depreciation is required

  • Your balance sheet stays cleaner

This is commonly referred to as off-balance-sheet financing, a major advantage for both small and large UK businesses.

Fixed Payments for Predictable Budgeting 📅

Leasing offers fixed repayments for the full term of the agreement, protecting your business from:

  • Rising interest rates

  • Unexpected financial shocks

Knowing exactly what you’ll pay each month enables:

  • Accurate budgeting

  • Reliable cash-flow forecasting

Over time, the real cost of payments reduces as inflation erodes the value of money.

Flexible Payment Options to Suit Your Business 🔄

We understand that every business operates differently. That’s why leasing payments can be structured as:

  • Monthly

  • Quarterly

  • Bi-Annual

  • Annual

This flexibility allows you to align payments with your revenue cycle.

100% Financing Available 💯

In most cases, we can finance:

  • The full cost of equipment

  • Installation

  • Associated services

We work with multiple suppliers, allowing you to combine everything into one simple payment rather than juggling multiple invoices.

What Happens at the End of the Lease? 🔚

Although lease rentals are classed as a rental agreement and ownership remains with the lessor during the term:

✔ You can still take full advantage of leasing benefits
✔ There may be options available to retain the equipment at the end of the term

This structure allows businesses to benefit from tax efficiency while still maintaining long-term operational continuity.

The Disadvantages of Buying Equipment Outright ⚠️

Purchasing equipment outright means your investment becomes a depreciating asset.

Key drawbacks include:

  • Loss of capital immediately

  • Asset value decreases over time

  • Depreciation impacts financial statements

  • Reduced cash available for growth

Depreciation is reflected across:

  • Cash flow statements

  • Income statements

  • Balance sheets

Leasing avoids these issues by keeping equipment off the balance sheet and preserving liquidity.

Speak to Our Leasing Specialists 📞

If you’d like to discuss equipment leasing options in more detail, our team is here to help.

📞 Call: 01304 827272
📧 Email: sales@advantage-catering-equipment.co.uk

Please include details of the equipment you’re interested in and we’ll provide a tailored leasing proposal suited to your business needs.

FCA Compliance Statement 🔐

Advantage Catering Equipment Ltd
Authorised and regulated by the Financial Conduct Authority
FCA Reference Number: 732004

Only authorised firms are permitted to discuss and arrange leasing facilities with customers.