Asset Finance – Seasonal payments ease the pressure for Contractor

Breadalbane Finance help secure seasonal payment profile to match the client’s workflow.

The Brief

We were introduced to this opportunity by an Invoice Finance provider who was trying to help one of his clients arrange funding for a Tractor. The business works in the agricultural sector in the summer months and carries out gritting contracts in the winter.

The client wanted a facility where they could make two large seasonal repayments – one after summer and one after winter – to align with the time when they would receive the bulk of their invoicing.

The Challenge

The business had recently been restructured after an issue with HMRC, therefore, several funders had already automatically declined the deal.

This, coupled with the seasonal payment profile, meant it would be hard to place.

The Solution

Breadalbane Finance worked hard with the client to gain a full understanding to the background of the HMRC situation and the plans for the business going forward. We were then able to submit a comprehensive proposal to an experienced funder that we were confident would be able to take a view on the security in the asset and projected future income of the business.


The funding for the tractor was secured on a 5-year lease incorporating higher bi-annual payments that accommodated the requirement of the business.

What the Client Said:

“I couldn’t be happier with what the guys were able to achieve for me – it’s going to make a big difference to cashflow throughout the year.”

Leave a Comment