Structured Asset Finance: Tailored Funding for High-Value Assets

What is Structured Asset Finance?

Structured asset finance is a sophisticated funding approach that offers bespoke financing solutions for businesses acquiring high-value assets or with complex financing requirements. Unlike standard asset finance products, structured finance is highly customized to meet specific business needs and financial situations.

This tailored approach allows for greater flexibility in terms, conditions, and repayment structures, making it particularly suitable for large-scale acquisitions, specialized equipment, or unique business circumstances that standard financing solutions cannot adequately address.

Key Benefits of Structured Asset Finance

Customized Solutions

Tailored financing structures designed specifically for your business's unique needs, assets, and financial situation.

Flexible Terms

Greater flexibility in repayment schedules, term lengths, and financing structures to align with your cash flow and business cycles.

Tax Efficiency

Structuring options that can optimize tax benefits and improve overall financial efficiency for your business.

Higher Value Assets

Financing solutions for high-value or specialized equipment that may exceed standard financing limits.

Expert Guidance

Access to specialized financial advisors who understand complex financing arrangements and industry-specific requirements.

Complex Deals

Solutions for complex financing scenarios, including cross-border transactions, multi-asset portfolios, and specialized industry requirements.

When to Consider Structured Asset Finance

1

High-Value Asset Acquisition

When purchasing equipment, machinery, or vehicles that exceed traditional financing thresholds (typically over £250,000), structured asset finance offers solutions where standard products may fall short.

2

Complex Business Requirements

For businesses with unique cash flow patterns, seasonal operations, or specific accounting or tax requirements that standard financing can't accommodate.

3

Specialized Equipment

When financing highly specialized or bespoke equipment that mainstream lenders may struggle to value or understand, structured finance can bridge the gap.

4

International Transactions

For cross-border asset acquisitions or when dealing with international suppliers, structured finance can navigate the complexities of different currencies, jurisdictions, and regulations.

5

Multi-Asset Packages

When financing a collection of different assets under a single facility, structured solutions can create a unified approach rather than multiple separate agreements.

Common Structured Finance Arrangements

Tailored Leasing Solutions

Custom lease agreements with specialized terms that can include options for upgrades, variable payments based on usage or seasonal business cycles, and unique end-of-term arrangements.

Sale and Finance Leaseback

Advanced sale and leaseback arrangements for businesses with existing high-value assets, offering flexibility in how the sale proceeds can be utilized and structured.

Operating Lease with Services

Comprehensive packages that bundle the asset finance with maintenance, servicing, and sometimes operational support, particularly useful for complex or specialized equipment.

Syndicated Asset Finance

For very large acquisitions, multiple lenders can be brought together in a syndicated arrangement to share the financing, allowing for higher values than any single lender might provide.

"When we needed to finance a £1.2 million custom production line that crossed three countries, standard lenders couldn't help. The structured asset finance solution not only made the deal possible but also optimized our tax position and aligned payments with our production cycles. It was exactly what our business needed."

Alexander Mitchell

CFO, Mitchell Manufacturing Ltd

The Structured Finance Process

1

Initial Consultation

Our structured finance specialists will assess your business needs, financial situation, and specific asset requirements to understand the full scope of the financing challenge.

2

Solution Design

Our team creates custom financing structures, often involving multiple components, to address your specific requirements and optimize the financial arrangement.

3

Proposal and Negotiation

We present a detailed financing proposal and work with you to refine terms, rates, and conditions to ensure they align with your business objectives.

4

Documentation and Legal Review

The agreement is formalized with comprehensive documentation, often involving specialized legal review to ensure all aspects of the complex arrangement are properly addressed.

5

Implementation and Management

Once executed, we help manage the acquisition process and provide ongoing support throughout the term of the financing arrangement.

Ready to Explore Structured Asset Finance?

Our team of specialized structured finance experts is ready to develop a tailored solution for your complex or high-value asset requirements.

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Structured Asset Finance