Hire Purchase 

Sometimes referred to as a Lease Purchase, an Hire Purchase facility spreads the cost of the asset over a longer period with fixed regular payments.  


At the end of the agreement title of the asset is usually passed to the lessee (borrower) for a small nominal fee. 

Depending on your status, we offer fixed and variable interest rates. 

Finance Lease 

Finance leases are rental agreements where ownership of the assets are retained by the leasing company.


At the end of the lease you can continue renting the equipment by paying an annual secondary rental or sell the goods to a third party and retain the majority of the proceeds (a small payment is normally due to the lender to pass title) 

VAT is paid on the lease rentals and therefore could have a positive impact on your cashflow. 

Operating Lease 

Operating leases are rental agreements where ownership is retained by the leasing company (the lessor).


The lessor also has the future risk and potential reward of the value of the asset. 


There maybe some tax benefits in having an operating lease but we would always discuss these on an individual basis.  

Contract Hire & PCP

Contract Hire for cars and vans is a hire agreement over an agreed term and can help to fix the cost of ownership which can also include maintenance costs. 

We have access to some of the biggest fleet operators and can supply most manufacturers. 

We also have a number of special offers which change frequentely so please call to see what we have available. 

Re Financing 

We can offer re finances through either a Hire Purchase or Finance Lease agreement. 

This maybe an option for you if you wish to raise additional finance on assets or wish to reduce repayments with an existing lender. 

We can also refinance Balloon payments on cars when they fall due at the end of an agreement. 

Prestige Cars

Whether you are buying the latest supercar, looking to add to your classic car collection or you are a high end chauffeur we have a solution for you. 

We work with our finance partners to tailor the agreement to meet your needs, this ranges from the term of the agreement, the ability to settle early or a balloon payment to help reduce monthly outgoings. 

We have access to highly competitive rates and can in most situations provide a very quick decision. 

Bespoke Finance 

Here at Select we enjoy a challenge and therefore can tailor bespoke finance solutions for nearly every need. 

So if it is a leveraged transaction or out of the ordinary asset then please call us to chat through the options. 


Please call us to discuss your stocking needs, we will tailor a finance agreement to meet your needs working with our specialist partners. 

Professional Funding 

Whether your are looking to fund your Professional Indemnity Insurance, Practice Certificate or Tax bill we have a solution for you. 

We offer flexible terms and would be happy to benchmark your existing provider. 

Select Commercial Finance Ltd is an independent commercial finance broker not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Select Commercial Finance Ltd  may receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Select Commercial Finance Ltd is an appointed representative of AFS Compliance Ltd which is authorised and regulated by the Financial Conduct Authority under number 625035.

Select Commercial Finance Ltd aims to provide our customers with the highest standards of service. If our service fails to meet your requirements and you would like to report a complaint; please click on the link below;


Select Commercial Finance Ltd
PO Box 4928



Tel 07908 721996

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