Need a reliable finance partner for your customers? Gable Asset Finance have been exactly that for businesses across the UK.
Gable Asset Finance offer Market Leading Supplier Finance & Dealer Funding Solutions
Help your customers buy — we provide the finance so you can focus on selling
Gable Asset Finance specialises in arranging flexible finance facilities that enable equipment suppliers, dealers and manufacturers to offer payment solutions to their customers. Whether you sell industrial machinery, commercial vehicles, medical devices, catering equipment, IT systems or specialist capital assets, adding finance as a payment option removes barriers to purchase and helps you win more business.
We work with a broad panel of lenders and funders to provide leasing, hire purchase, loans, contract hire, invoice finance and factoring solutions. Our supplier programmes are designed to be simple for you, fast for your customer and profitable for your business.
Why offer finance to your customers?
Offering finance at the point of sale is a proven way to increase conversion, protect margins and grow average order values. Here’s why suppliers choose to partner with Gable Asset Finance:
- Overcome customer objections: Many customers delay purchasing because of the immediate cost. Finance spreads the cost and removes that objection.
- Protect profit margins: Instead of discounting to close deals, you can offer attractive payment plans that keep price intact.
- Increase sales & order size: Customers are more likely to upgrade equipment or buy additional accessories when payments are manageable.
- Speed up cash collection: With vendor-funded deals we can often pay you directly on completion so you don’t wait for instalments.
- Improve customer loyalty: Customers appreciate flexible options and often return for upgrades or additional purchases.
- Access wider markets: From start-ups and SMEs to schools, local authorities and corporates — finance widens your buyer pool.
What Gable Asset Finance offers suppliers
Our supplier programmes are built to integrate with your sales process and minimise friction for both you and your customers. Key features include:
- Dedicated account manager: A single point of contact who understands your product range and supports your sales team.
- Supplier portal: Instant online quotations and application submission for faster approvals and immediate pricing at point-of-sale.
- Flexible product range: Leasing (operating and finance), hire purchase, PCP-style options for relevant assets, vendor loans, contract hire and invoice factoring.
- Fast decisioning: Same-day indicative decisions on many deals; competitive turnarounds for completed credit files.
- Training & sales aids: Sales kits, point-of-sale brochures, online calculators and customer-facing collateral to help your sales team explain options.
- Integration support: API or simple portal integrations so quotes and contracts fit your sales workflow.
- Competitive rates & upgrade options: We negotiate strong terms with funders and include upgrade and early-return options where applicable.
- Aftercare & collections: We provide support through the life of the contract to ensure your customer remains happy and obligations are met.
Finance products we arrange for your customers
Below is a summary of the principal products we provide. We’ll tailor the right product to the asset type, customer profile and commercial outcome you want.
Operating Lease (Contract Hire)
Operating leases give customers the ability to use the asset for a set period for a fixed monthly rental without taking ownership. The funder retains the asset on its balance sheet and typically handles disposal at term end.
- Best for: Equipment that needs regular upgrades (IT, medical devices, catering kit) or where disposal is complex.
- Benefits to supplier: Encourages upgrades, recurring revenue models and reduces price-sensitivity. Often quicker to place.
- Benefits to customer: Lower monthly cost, option to include maintenance and managed upgrades at term end.
Hire Purchase (HP)
Hire purchase spreads the purchase price over fixed instalments and provides ownership to the customer after the final payment. This is a simple and transparent route to ownership.
- Best for: Customers who want to own the asset long-term (vehicles, plant, durable machinery).
- Benefits to supplier: Clear sale with upfront vendor settlement options and retained sale price.
- Benefits to customer: Predictable payments, eventual ownership, potential capital allowance claims.
Personal Contract Purchase (PCP) & Balloon Options
PCP-style structures reduce monthly payments by deferring a portion of the asset’s value to a final optional payment (Guaranteed Minimum Future Value). This gives customers the flexibility to return, buy or refinance at term end.
- Best for: Vehicles, high-value IT or where customers want flexibility.
- Benefits to supplier: Attracts customers who want lower monthly payments and are likely to upgrade regularly.
- Benefits to customer: Lower monthly cost with multiple end-of-term options.
Vendor Loans & Point-of-Sale Finance
Vendor loans are tailored facilities arranged through the supplier’s finance programme enabling immediate customer acceptance at checkout. We manage underwriting and lender engagement so you receive payment quickly.
- Best for: Dealers and networks wanting seamless checkout finance.
- Benefits: Simplifies sales, improves conversion, and can be white-labelled to maintain your brand experience.
Sale & Leaseback
If a buyer already owns equipment, sale & leaseback unlocks capital by selling the asset to a funder and leasing it back. This releases working capital while retaining use.
- Best for: Customers seeking liquidity without asset loss.
- Benefits: Immediate cash injection, continued operational use and possible balance sheet advantages.
Invoice Finance & Factoring
Invoice finance advances cash against unpaid invoices or aged debt. It’s useful where longer payment terms cause working capital pressure.
- Best for: Suppliers with B2B customers who operate long payment cycles or large contracts.
- Benefits: Improves cashflow for your customers so they can approve larger orders and pay you promptly.
Refinance & Re-profiling
Existing finance can be refinanced or reprofiled to improve cashflow, reduce monthly cost or include additional assets in a consolidated facility.
How offering finance increases your sales performance
When your customers can choose to pay over time you gain multiple commercial advantages. Practical, measurable improvements often include:
- Higher conversion rates: The number of quotes converted to orders increases when finance is offered as an option.
- Higher average order value: Customers upgrade or add accessories when the monthly impact is small.
- Fewer discounts: Rather than dropping price to close a deal, offering a finance plan preserves margin.
- Faster supplier cash: With vendor settlements you are paid promptly while the funder collects instalments.
- Competitive differentiation: Customers prefer suppliers who make procurement simple through finance.
How your customers benefit — plain English
We explain finance clearly to your customers so they can buy with confidence. Typical customer benefits include:
Leasing (Operating Lease) — Benefits for customers
- Tax efficient: Rentals are generally tax deductible as operating expenses for businesses.
- No capital outlay: Often zero or minimal deposit required.
- Upgrades available: Leasing makes it easy to replace or upgrade equipment when technology or needs change.
- Better cashflow: Spread costs and preserve liquidity for core activity.
- Maintenance packages: Optional bundled servicing and warranties reduce downtime risk.
Hire Purchase (HP) — Benefits for customers
- Ownership: The borrower typically owns the asset at the end of the agreement.
- Tax allowances: Owners can claim capital allowances on qualifying assets.
- Predictability: Fixed repayment profile and known end-date.
- Stability: If repayments are maintained the facility is fixed and cannot be withdrawn mid-term.
Factoring & Invoice Finance — Benefits for customers
- Immediate cash: Access working capital tied up in invoices.
- Support growth: Cashflow enables customers to place larger orders and take on new business.
- Reduce admin: Optional collections services can reduce debtor management burden.
Practical supplier programme features
When you partner with Gable Asset Finance you benefit from a structured supplier programme tailored to your size and market position. Typical programme elements include:
1. Dedicated account management
A single point of contact who delivers training to sales staff, reviews pipeline, provides weekly updates and handles escalations. Your account manager helps your team understand eligibility criteria, documentation needs and funding timelines.
2. Supplier portal & instant quotes
Our secure portal lets your sales team generate instant indicative quotes and submit customer applications. The portal supports:
- Instant payment illustrations
- Document upload
- Application tracking and status updates
- API integration options for ERP and order systems
3. Sales aids & training
We equip your staff with:
- Point-of-sale brochures and customer leaflets
- Online calculators and demo tools to show monthly costs
- Training for handling sales objections and explaining tax benefits
- Scripts and FAQs for telephone or in-person sales
4. Fast vendor settlement
In many transactions we arrange to pay you directly on completion so you receive full invoice value quickly, protecting your cashflow while the customer repays the funder.
5. Compliance & documentation support
We handle KYC, credit checks and legal documentation preparation, reducing administrative burden on your team and ensuring compliance with consumer credit and FCA regulations where applicable.
Typical end-to-end supplier & customer journey
- Sales conversation: Your team offers a finance option at point-of-quote.
- Instant quote: Use the portal or call your account manager to generate an indicative monthly payment plan.
- Application: Customer completes a short application (online or signed form) and uploads basic documents.
- Decision & affordability check: Lenders perform a credit and affordability assessment.
- Approval & contract: On approval, agreements are signed electronically and funding terms finalised.
- Vendor settlement: On acceptance and delivery, we arrange payment to the supplier (where agreed) and the customer begins scheduled repayments.
- Aftercare: We co-ordinate maintenance packages, upgrades and term-end options with your team.
Credit criteria & risk considerations — what lenders look for
Understanding lender expectations helps you qualify customers quickly. Typical underwriting considerations include:
- Customer credit profile: Personal and business credit history for director-led or small-business applicants.
- Trading history: Lenders consider length of trading, turnover and profitability for business customers.
- Deposit level: Low or zero deposits are possible for many clients but some deals may require an upfront payment.
- Asset type & condition: New assets get easier terms; used or specialist equipment may need tailored underwriting.
- Use case & business plan: For start-ups or new ventures, lenders focus on management experience, contracts or pipeline.
- Security & guarantees: Some lenders may seek personal guarantees or security depending on risk profile.
Pricing, fees and commercial models for suppliers
We design programmes that are commercially viable for suppliers.
Upgrade & replacement options — keep customers returning
Many customers value the ability to upgrade equipment when technology changes or business needs evolve. We include upgrade pathways in our programmes:
- Mid-term swaps: Allow customers to trade in equipment during the lease for credits toward a new agreement.
- End-of-term upgrades: Provide incentivised pricing for returning customers who upgrade to new models.
- Top-up financing: Combine additional purchases into an existing agreement for convenience.
Sales aids & tools we provide
To help you sell finance effectively we provide:
- Monthly payment calculators (embed on your website or use in the portal)
- Customer-facing brochures explaining leasing vs buying in plain language
- Case studies and sector-specific playbooks to demonstrate commercial outcomes
- Training sessions for your sales teams on compliance, objections and closing techniques
- CRM integration options for streamlined quoting and application tracking
Case studies — supplier finance in action
Case study 1 — Industrial Machinery Dealer
Objective: Close a multi-unit order for CNC machines with a manufacturing customer who needed to preserve cash.
Solution: We provided an operating lease that included installation and training. The funder paid the dealer on delivery and the manufacturer enjoyed seamless cashflow while the buyer repaid monthly.
Outcome: Dealer closed the order without discounting, the customer improved production and the dealer gained a likely repeat customer for future upgrades.
Case study 2 — Catering Equipment Supplier
Objective: Rollout catering packages to a chain of cafés and standardise equipment across five new stores.
Solution: We created a vendor finance programme with staged drawdowns and a maintenance package bundled into the rental.
Outcome: Faster rollout, consistent equipment spec across sites and centralised service support that reduced downtime and maintenance admin.
Case study 3 — Medical Equipment Manufacturer
Objective: Help an NHS trust and a private clinic afford expensive imaging equipment.
Solution: We structured sale & leaseback for existing equipment for the trust and an HP option for the clinic with extended warranties and servicing included.
Outcome: NHS trust freed up capital for estates work while the clinic acquired the scanner without large capital outlay and with predictable servicing costs.
Regulatory & compliance considerations
Finance offers must comply with consumer credit and commercial lending regulations. We manage compliance end-to-end and advise on areas including:
- FCA requirements where consumer contracts apply
- Anti-money laundering (KYC) and identity verification
- Data protection and privacy for application handling
- Tax and VAT implications of different product types
- Local government and public sector procurement rules when selling to authorities or schools
Frequently asked questions (for suppliers)
How quickly can we start offering finance?
From a practical perspective you can begin offering indicative finance within days using our portal and sales aids. Full programme setup, training and integration typically takes 1–4 weeks depending on your needs.
Do we need to change our pricing?
No — in most programmes you keep your standard price and the customer selects a payment profile. Some suppliers choose to fund a portion of the financing cost to drive volume — this is optional.
Will offering finance increase our administration?
Gable Asset Finance handles KYC, credit checks and lender negotiations. Our portal automates much of the paperwork. We aim to reduce—not increase—your admin burden.
What if the customer defaults?
Default arrangements depend on the finance product and funder. For HP and lease agreements, the funder typically has recourse to repossess the asset. We explain all terms to the customer upfront and provide collections support where required.
Can we white-label the finance?
Yes. Where appropriate we can white-label documents and the customer experience to reflect your brand, maintaining a seamless buying journey.
Getting started — the onboarding process
- Introductory meeting: We assess your product range, sales process and commercial goals.
- Programme design: We tailor the finance offering, pricing model and documentation to your needs.
- Portal & tools setup: Integrate our supplier portal or connect via API for instant quoting.
- Sales training: We deliver training sessions and provide sales aids to your team.
- Go live: Start quoting and closing deals with finance at point-of-sale.
- Ongoing support: Your dedicated account manager reviews performance, pipeline and opportunities monthly.
Tips for suppliers to maximise success with finance
- Present finance early: Introduce payment options in the initial quote rather than as an afterthought.
- Train sales staff: Confidence in explaining finance converts more sales — practice with role-play and use simple calculators.
- Offer structured upgrades: Promote upgrade pathways as part of the sale to encourage repeat business.
- Bundled packages: Combine equipment, installation and service within one financed package to reduce objections.
- Highlight tax benefits: Provide high-level tax points (always encourage customers to seek accountant advice) to demonstrate commercial value.
- Leverage case studies: Use real examples from your sector to show how financing helped similar customers.
Contact Gable Asset Finance — start offering finance now
If you want to grow sales, protect margins and make life easier for your customers, offering finance is one of the most effective levers. Gable Asset Finance will design a supplier programme that fits your commercial model and delivers a smooth customer experience.
Contact us today to arrange a no-obligation consultation. We’ll explain how our supplier portal works, discuss integration options and prepare a pilot programme so you can see the benefits in real sales scenarios.
Gable Asset Finance — specialist supplier finance programmes for UK dealers, vendors and manufacturers: leasing, hire purchase, loans, contract hire, factoring and bespoke vendor funding to help your customers buy and your business grow.
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Service to Vendors
Offering finance to customers is a smarter way to sell your product, because asset finance and leasing is the smarter way for your customers to pay. Your customers get to spread the cost of their assets over a timeframe and on terms that suit them, so your products become even more affordable.
But it’s not just about money – it’s also about trust: and we can deliver the best market rates from names your customers know and trust, such as Barclays, Siemens and BNP Paribas. Thousands of vendors choose our service as their preferred finance partner.
The Benefits of Finance
- Sell more. More often and increased customer retention
Use our finance marketplace to secure finance for your customers and a whole new world of possibilities opens up.
- More business and increased order values
Larger sales and more frequent sales, higher margins and happier customers. A win-win situation for all concerned.
- Clear and compelling benefits
By adding the finance dimension to your sales propositions, the benefits of using our finance marketplace, are clear and compelling:
- Secure more revenue and maximise sales
Offering a finance option opens up your products to more customers by making them more affordable, helping you to sell more.
- Enjoy larger sales and get repeat business
The tax advantages and cash flow benefits that leasing enjoys over a direct purchase, makes larger, higher-value and full solution products and services more affordable. That’s why 90% of the FTSE 100 and Dow Jones companies lease their technology.
- Speed up the sales process
Because time-consuming budget approval processes can be avoided, sales involving finance can be signed off more quickly.
- Reduce the need to discount
The flexible terms available within IT finance deals make it easier to avoid compromising on price.
The finance provider pays you the total value of your solution up-front, so there’s no longer any need to fund your customers’ cash flow, helping you to build your business.
Upgrades, Servicing and other value added services can all be easily included as part of your partnership with your customer, often without the need to increase any payments.