Client Care Desktop now includes support for Commercial lines as standard. The fact find plug-in comes complete with a dedicated Commercial lending fact find and the system offers comprehensive loan tracking features.

CCD extracts your client details for the fact find to cover their requirements for Commercial Mortgages, Vehicles, Equipment and Cash flow finance.

Valentine Financial Services have worked closely with Quay Software to develop this facility and are working as a Business Partner for its use. It is envisaged that as the facility is used and evolved then specific on line training and seminars will naturally follow.

Available are a wide variety of business to business funding solutions. For instance using a Commercial Mortgage in relation to a SIPP or SSAS is topical with ‘A’ Day looming; but any changes could move a delicate balance if it is being used as security elsewhere. A review of existing facilities and forthcoming requirements can only be beneficial and this is exactly what the fact find prompts.

Equipment finance not only includes manufacturing plant and construction equipment to SME’s; it could simply be medical or dentistry equipment to a laboratory or high technology equipment and is in fact anything with a serial number used within the business.

Any high technology equipment and computers along with software can have a relatively short life and a lease could improve the taxation position which along with a low rate finance package could be a compelling argument to purchase sooner rather than later. VFS offer a ‘Cash versus Lease’ comparison on all quotations and also available is a discounted cash flow to further demonstrate benefits.

Vehicle finance is available offering similar comparisons for supplied vehicles. Vehicles either supplied via the portal or a clients’ chosen dealer can have finance packages (subject to status) which include hire purchase, lease, and contract hire.

VFS Smartfleet is available after registering on line; it provides on line quotations for 1000’s of new and pre-registered cars. As well as individual and company purchases it makes available Employee Car Ownership Schemes (ECOS) to incorporate into Employee Benefits packages.

VFS can be empowered to negotiate higher discounts from individual car manufacturers and then gain Inland Revenue approval for bespoke company schemes.

See www.valentinefs.co.uk or email info@valentinefs.co.uk or phone 01543 251689