Sectors

We are able to fund all types of hard and soft assets this is a list of the sectors that Horner Consultancy Ltd support: -

Vehicle Finance

Typical cars we finance:

Cars for personal use
Electric cars

Benefits of Electric vehicles

- Cheap to run.
- Currently, there’s no tax payable on electric vehicles.
- May be eligible for UK Government grants.
- They produce no emissions and are 100% environmentally friendly.
- Exempt from congestion charges.
Company cars
Prestige cars
Vintage cars
Supercars
Funeral Vehicles

Typical funeral vehicles and equipment we finance:

- Funeral limousines
- Hearses
- Lifting equipment
Chauffeur Vehicles
Taxi Vehicles

Logistic and Transport Finance

Typical logistic and transport assets we finance:

HGV’s and Trucks
LCVs and Vans
ATVs
Trailers
Mixers
Tankers
Transporters
Recovery vehicles

Caravans and Motorhome Finance

Coach Finance

Bus and coach finance can include a range of assets, from a fleet of buses to a single minibus. A business might need bus and coach finance for a number of reasons including:

Upgrade buses and coaches to the latest models
Access to road transport equipment
Spread costs out over time to better manage cash flow.
Improve productivity and efficiency.
Increase competitiveness.
Expansion of existing fleet

Different types of bus and coach businesses?

School services
High-end vehicles
Care home transport
Intercity travel
Day trips
Transport for parties
Tourism routes

Horsebox Finance

A horsebox will probably be your biggest financial outlay, so you’ll need unbiased, straightforward advice. Whether you’re buying from a dealer or from a private individual, we’ll help you source the right size and specification at a monthly rate you can afford. It’s worth remembering that some lenders only finance boxes and trailers up to 10 years old but our long experience in this sector means we know exactly where to go to find you funding for an older model.

Plant and Machinery Finance

Typical machinery and equipment we finance: -

Machine tools
CNC Lathe
Injection moulding machines
3D printing
Robotics
Packaging equipment
Weighing equipment
Gantry cranes
Generators
Compressors
Access platforms
Woodworking equipment
Printing equipment
Food processing and packaging equipment
Bottling equipment

Materials Handling and Construction Finance

Typical plant and construction equipment we finance:

Cranes
Excavators
Crushers
Screeners
Compactors
Bulldozers
Dumpers
Forklift trucks
Loaders
Telehandlers
Demolition equipment
Piling machines
Pavers

Construction finance provides useful working capital for businesses that are:

Contractors or subcontractors in the UK construction industry.
Operating within a contract, framework agreement or a purchase order.
Requiring a strong cashflow to expand.
If you want to avoid the hassle of your customers’ overdue payments or if you do not have the money to cover your commitments before being paid, construction finance could be the solution.

Healthcare Finance

Some of the healthcare assets we can finance: -
We offer a range of healthcare finance solutions, including: -

Care Home Finance: If you're looking to buy a property for your care home business, we can arrange a specialist commercial mortgage. Our healthcare division can assist with your care home acquisition or portfolio expansion.
Pharmacy Finance: With recent changes to NHS contracts, lenders scrutinize healthcare sector proposals closely. Our healthcare division can help you find the right investment for your pharmacy acquisition or portfolio development.
Medical Equipment Finance: Running a practice, surgery, or care home comes with equipment and running costs. Whether it's X-ray machines, ECG monitors, or defibrillators, the expenses add up.
Nursery Care Finance: Our healthcare division and funders can help you find the right investment for nursery acquisitions or portfolio expansion.
Dental Practice Finance: Purchasing a dental practice requires commitment and time. Your career history, sector experience, and deposit are all considered. Our healthcare division has experience in financing practices of various sizes.

Renewable Energy Finance

Typical renewable energy assets we finance:

Biomass plants
Solar panels
Battery Storage
Combined Heat and Power (CHP)
On and Offshore wind turbines
Air, ground & water source heat pumps
Anaerobic digestion
Geothermal
Pyrolysis plants,
Electric vehicles
EV charging points.
Hydrogen Technologies
Energy efficient lighting (LED)

Commercial LED lighting finance can help spread the cost of your initial investment, helping your business maintain a stable cash flow and cut energy expenditure to grow more sustainably.

Biogas
Gas peaking
Waste 2 energy plants
Recycling plants
Tidal power and Hydro plants.

Agricultural Finance

Typical agriculture assets we finance:

Tractors

Tractors are the lifeblood of any farm and are vital to the success of a lot of agricultural businesses. With no age limitation, any tractors or other machinery that you’re looking at purchasing can be new or used and supplied by either a specialist dealer or bought privately.

Robotic Milking Machines
Livestock

You may want to replace some of your existing cows or expand your herd.

Combine harvesters.

Combine harvesters are vital for efficiently harvesting a variety of grain crops and there are many types of available.

Wheeled harvester

A wheeled harvester can provide an efficient and safe way to improve productivity when tree harvesting in any forest condition.

Forwarders
Telehandlers
Loaders
Spreaders
Crop Sprayers
Sprinklers
Mowers
Bailers
Trailers
Woodchippers
Soil cultivation machinery
Picking and sorting equipment

EPOS Finance

Marine and Aviation Finance

Marine finance is a specialist area of the market, but we have privileged access to a number of lenders who are dedicated marine and aviation specialists and will negotiate on your behalf to ensure you get the most competitive rate.
Aviation finance
Like marine finance, aircraft funding is a specialist market but one that we know well. Whether you’re thinking of buying a private plane or have a commercial airline business, we can help you finance the aircraft and related equipment. We’ll use our in-depth knowledge and expertise to provide you with a wide range of options to finance your aircraft, everything from new to pre-owned. We can even help you raise finance using an existing aircraft as security.

Technology and Office Equipment Finance

Some of the technology equipment we can finance.
We offer a range of technology finance solutions, including:

AV Equipment Finance – We can arrange finance for audio-visual (AV) equipment. Whether it’s a group of projectors or multiple plasma LCD screens, our team will be able to assist.
CCTV Equipment Finance – Whether you require infrared and night vision CCTV or wireless IP systems, we can help by arranging finance to suit your needs.
Drone Finance – If you’re just starting with your first commercial drone or are planning on adding to your fleet, we can arrange finance for all types of AV equipment.
LED Lighting Finance – The most energy-efficient lighting for a warehouse is LED lighting. Using less energy than any other lighting while usually having better Lumen outputs, LEDs can be purchased as complete fixtures or retrofitted.
Software Finance – Developing the latest app or having the most recent software for your business can be exciting. We can arrange finance for software development installation.

Optical Equipment Finance

Scaffolding Finance

Our scaffolding finance arrangements can be a massive help to construction businesses, aiding with timely project completion while supporting your cash flow.

Commercial Furniture Finance

We offer a range of commercial furniture finance and commercial furniture lease arrangements designed to help spread the cost of your furniture purchase.

Vending Machine Finance

We offer a wide range of coffee machine finance agreements, vending machine finance, and ice vending machine finance agreements, which can help make budgeting simpler and increase your employee wellbeing.

Hospitality / Catering Equipment Finance

Oil and Gas Equipment and Project Finance

Education and Public Sector Finance

What is Education Asset Finance?
Education asset finance is usually in the form of an operating lease that enables schools, academies, and other educational institutions to acquire the equipment they need to operate and function effectively.
Unlike traditional loans, education asset finance does not require the lessee to make any down payments or monthly repayments.
Instead, the lessor pays for the equipment upfront and then leases it to the educational institution for an agreed-upon period of time, typically three to five years.
At the end of the lease term, the educational institution has the option to purchase the equipment outright or return it to the lessor.
Some of the education finance products available
We offer a range of education finance solutions, including:

School Decarbonisation: We can arrange finance for a wide variety of renewable technologies to deliver on the UK government's target of achieving carbon net zero by 2050.
Sustainability finance: We can arrange finance for a wide variety of renewable technologies and offer advice on sustainability solutions for all schools and academies.
Technology Finance: There are constant improvements to technology, and keeping on top of it can often be costly, with-it companies often switching off support for those systems that haven’t been updated.
Operating lease: A finance lease is simply renting the asset over an agreed period, and you usually remain responsible for the maintenance.