Business and Commercial Finance

Commercial Loans

Welcome to Dobies Cumbria Finance, if you're looking to expand your business or secure your next development as part of your company's property portfolio, we are here to offer you a faster more streamlined approach to acquiring that business loan.

We offer loans from £5,000 to £100,000 and as a family run business, we can work with you and your business as an individual and look at the whole picture rather than just performing a tick box exercise.

We often lend to people and organisations that may have not been successful on a more traditional lending journey.

Vehicle Hire Purchase and Vehicle Contract Hire and Leasing

Welcome to Dobies Cumbria Finance, whether you're looking to purchase a car or light commercial vehicle for your business, we offer flexible packages to suit your business needs large or small. We can even supply alternative makes and models not just Peugeot.

Which vehicle finance is right for you?

HP (Hire Purchase)

HP is ideal for drivers who:
  • Want to own the asset at the end of the agreement
  • Will cover a lot of miles
  • Want fixed monthly payments
At the end of the agreement:
  • No large final payment
  • When you've made all the monthly payments the car is yours
Terms:
  • Minimum term length 25 months
  • Maximum term length 48 months (subject to vehicle)
  • Can only be used against cars aged 3-48 months old
  • Can only be used against cars over £5,000.00
  • APR 10.90% subject to Terms & Conditions

Contract Hire (Business Leasing)

Contract Hire is ideal for drivers who:
  • Don't need to own the vehicle at the end of the agreement
  • Want fixed monthly payments
  • Want no depreciation risk or disposal worries
  • Want optional maintenance packages
  • Want to reclaim of VAT on rentals* (where VAT registered)
At the end of the agreement:
  • Hands the vehicle back
  • Can take out a new contract with newer vehicle
  • Won't own the vehicle
Terms:
  • Minimum term length 12 months
  • Maximum term length 48 months (subject to vehicle)
Outright Purchase

If you prefer to own your business vehicle or van, please get in touch to find out the best cash offers we have available.

Short Term Vehicle Rentals

Dobies Cumbria Finance offer short term rentals from 1 day to 12 months. We have a variety of vehicles and vans to meet your needs.

Optional additions services
Before applying please read the following;
  • We need a valid email address and mobile number of an appointed person signing for the vehicle
  • We will need a copy of a valid driving license from an appointed person that can sign on behalf of the company
  • In some cases we may need the company accounts and/or last 3 months bank statements
  • A personal guarantor may be required in some cases, subject to financial checks
  • Once submitted one of our team will contact you within 24 hours
Electric for Business

The UK has taken a historic step on the road to ending its contribution to climate change by ending the sale of new petrol and diesel cars in the UK by 2030. Electric vehicles (EVs) help de-carbonise your fleet, and they can significantly reduce your costs, too.

Benefits
  • No CO2 or NOx emissions for electric
  • Favourable employers Class 1A National Insurance contributions*
  • Generous government incentives*
    • Upto £1,500 electric car grant
    • From £2,500 for small vans and upto £5,000 for larger electric van grant
    • Charging point grants available
  • Free Road Tax for electric vehicles and vans and discounts for plug in hybrids*
  • Zero or reduced benefit in kind tax*
  • Lower fuel costs
Tax Implications

You can estimate the tax you might pay using the HMRC company car and fuel benefit calculator.

For more information on what we can offer your company or if you have any questions please feel free to call our finance department on 01900 871234 or email info@dobiescumbria.com.

*Subject to current government regulation – please check the latest official government policy.

Dobies Cumbria Finance Limited is authorised and regulated by the Financial Conduct Authority. Finance subject status and acceptance.

Registered Office: Dobies Business Park, Lillyhall West, Workington, Cumbria, CA14 4HX

Registered Company Number: 08439091

Dobies Cumbria Finance are registered as a data controller with the Information Commissioners Office and our registration number is Z1383897X. View our privacy policy here.