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Lease Purchase
Ardent’s flexible lease purchasing service enables you to implement major purchasing decisions without creating cash flow issues or depleting capital.

What is leasing?
Leasing is a contract between a funder (Siemens Financial Services) and the client for the acquisition and use of an asset and/or solution and any associated costs, such as maintenance.
The client selects the asset required and the funder buy the asset via the supplier (Ardent). The client then makes a series of payments (usually monthly or quarterly) directly to the funder over a defined period of years, in return for which they have the right to use the equipment. The lease term is normally set to reflect the underlying asset's expected useful life.

What are the benefits to you?
Conserves cash reserves - leasing enables you to secure the equipment solution most suited to your business, without making a substantial lump sum cash payment, which could be used to better effect elsewhere in the business.

Maintains credit lines for other use - acquire the solution you need without affecting other credit lines, such as loans and overdrafts. This ensures that further borrowing, if required, will be easier.

Improved cash flow
spread the cost over a number of regular payments. Payments can be set to match individual requirements, including seasonal cash flow circumstances.

Fixed payments

payments are fixed for the term of the contract, protecting your business from the effects of changing interest rates. Knowing the amount of future payments enables more accurate budgeting and cash flow projections. And because payments are fixed the true cost of leasing diminishes over time as the value of money depreciates.

Tailored payment profiles

payments can be arranged to meet individual budgets, roll-out schedules and/or cash flow requirements.

Tax advantages
leasing payments may be offset against taxable profits reducing the net cost of leasing the equipment.

Technological change
The flexibility of a lease allows you to upgrade to more advanced or appropriate solutions as your business needs dictate. In many cases this can be achieved without an increase in monthly or quarterly payments.

Choose the solution you need
when you lease you are not limited to acquiring only what you can afford to pay at the time. Monthly payments enable you to select the solution which is most beneficial for your business at the time you most need it.

Easy equipment disposal
by returning used equipment to the supplier at the end of the lease term, you do not need to be concerned about disposal issues or costs.

100% Finance
in most cases, all of the costs of the asset or equipment installation can be catered for in your leasing arrangement, including all hardware, software, installation and maintenance costs. Equipment and services from a variety of suppliers can be financed and rolled up into a single simple arrangement - simplifying your administration and streamlining your payments.

Administrative ease
payments can be made by direct debit, minimizing the administration required of you.