A4 Car Leasing offers a full and comprehensive portfolio of products for funding vehicles. Initial discussions will enable our team of professionals to develop and recommend the most cost effective and tax efficient method of funding.

Whatever method of funding is ultimately selected, A4 Car Leasing will source at maximum fleet discounted prices, any make or model of vehicle and deliver it in pristine condition to your chosen location.

Products

Contract Hire
Contract Hire is an off balance sheet funding (Operating Lease) arrangement, which can improve your company’s key financial ratios. It will provide considerable cost benefits, cash flow and budgetary control and is highly tax efficient for the majority of company vehicles.

Contract hire is both VAT and Corporation Tax Efficient and keeps your administration to a minimum.

The risk on depreciation is borne by A4 Car Leasing as the car is simply returned at the contract expiry.

Key features and benefits include:
• Fixed rentals for the whole package, simplifying budget planning.
• Flexible terms to meet your requirements with variable duration and mileage terms
• Maintenance of vehicles can be included in monthly rentals, and so spread the cost.
• Contract hire removes depreciating assets from the balance sheet and the associated risks of owning vehicles.
• Flexible invoice arrangements help to considerably reduce administration.

Contract Purchase
For the more expensive vehicles, where a tax disallowance exists for Contract Hired cars, Contract Purchase enables the maximum tax allowances to be claimed.

Contract Purchase does not attract VAT to the rentals and therefore can be attractive to organisations that incur VAT restrictions.

The product also gives the flexibility to either take ultimate ownership of the vehicle at the contract expiry or to simply return it to A4 Car Leasing

Key features and benefits include:

• Similar benefits to contract hire regarding fixed payments and flexible terms.
• Maintenance and added value services can be included.
• The finance company guarantees the resale value of the vehicle at the end of the contract purchase agreement for a known, fixed amount.
• Ownership passes to the customer at the end of the agreement when all payments have been made.

Personal Contract Purchase
As the burden of personal taxation increases budget after budget more and more company car drivers look to opting out of the company car.

Personal contract purchase offers the individual a low deposit on the car of their choice, whilst keeping the payments much lower than traditional Hire Purchase and at the same time eliminating the P11D tax burden.

Key features and benefits include:
• This is a conditional sale agreement which allows you the option to purchase the vehicle, or to simply hand it back at the end of the contract period.
• You can elect to include the same comprehensive service, maintenance and repair options as are available through Contract Purchase. Finance payments are not subject to VAT.
• If the optional service package is taken, VAT is payable on the service costs.

Personal Contract Hire
This is the solution for private individuals and is becoming more popular amongst car users.

Key features and benefits include:
• Fixed rentals for the whole package, making budget planning easier.
• Flexible terms to meet your requirements with variable duration and mileage terms
• Maintenance of vehicles can be included in monthly rentals, and so spread the cost.

Finance Lease
If you are looking for a simple, straightforward finance agreement, A4 Car Leasing can offer a competitive Finance Lease. This type of agreement can still provide tax efficiencies together with cash flow benefits and budgetary controls.

Key features and benefits include:
• Finance Lease is a tax efficient option where you choose to pay either the entire cost of the vehicle, including interest charges, over an agreed lease period or opt to pay lower monthly rentals with a final payment based on the anticipated resale value of the vehicle.
• At the commencement of the contract, usage parameters for the vehicle are agreed, and assuming this does not vary, monthly payments and interest rates are fixed for the duration of the contract.
• Therefore you benefit though fixed costs but do take on the administration and operating risks. At the conclusion of the contract you can continue to operate the vehicle under a "peppercorn agreement" although you will at no time take ownership of the asset.
Lease Purchase

Lease Purchase
Key features and benefits include:
• Lease Purchase is an agreement designed to offer dedicated vehicle funding where the customer wishes to purchase the vehicle.
• It is purely a finance package, and does not include maintenance or other added-value services (such as are available through Contract Purchase).
• The customer is liable for the full value of the vehicle and has no option to return it at the end of the agreement.
• Monthly payments are not subject to VAT. The vehicle is registered in the name of the customer, and where this is a company, the vehicle will appear on the balance sheet, and Writing Down allowance will be available.

Capital Injection
If you already own your vehicles A4 Car Leasing can purchase your fleet from you and lease them back to your company, giving you the immediate benefits of Contract Hire as well as a welcome cash injection.

In addition to the substantial Capital Injection, it provides you with many further benefits.

Immediately the vehicles are removed from your balance sheet – Improving your key ratios.

Key features and benefits include:

• Increased and accelerated corporation tax reclamation
• Elimination of residual and disposal risk
• Maintenance management and cost control
• Tyre management
• Fixed costs and budgeting
• Reduction in administration
• Road fund licence renewal
• Accident Management
• 24 hour Driver help line

Additional Services

Account Management
To ensure that we meet and exceed you expectations we appoint a Regional Sales Manager and a sales support executive to your account. The support will range from vehicle selection to comprehensive vehicle tax advice. Their aim is to provide total customer satisfaction.

Vehicle Sourcing
A4 Car Leasing can supply all makes and models of vehicles available in the UK at maximum fleet discounts.

In addition to our own group supply we have established supply terms in place with most franchised outlets and direct relationships with all of the major manufacturers.

Maintenance
If selected, A4 Car Leasing will manage and incorporate within the monthly rental all aspects of the vehicle maintenance, repair and servicing. Unlimited tyre replacement, subject to fair wear and tear, exhausts and batteries are also included.

Breakdown Cover
24 hours per day 365 days per year breakdown cover including travel to continental Europe.

Relief Vehicle
If selected, a relief vehicle can be provided in cases of accident or mechanical breakdown reducing driver down time.

GAP Insurance
In the event of a total loss a difference between the insurance settlement figure and the amount to settle the lease can arise. This difference will normally be charged to the lessee.
A4 Car Leasing however, can provide a GAP insurance as an intrinsic element of an agreement. This insurance pays for this difference and removes the uncertainty and risk and gives peace of mind at an otherwise difficult time.