Interested in offering finance to your commercial customers? We can manage this on your behalf. Increase your sales through effective selling!

1. COMMERCIAL
FUNDING FOR
YOUR CUSTOMERS

2. Before you
leap into
finance speak
to Clear…
Chris Barker , Renewables & Energy Efficiency Advisor
Sean Clarke, New Business Support Coordinator
Presentation

3. Staying Ahead Of Your Competitors
Leading
with Leasing
Cash &
Leasing
Cash only

4. How Leading With Leasing Enhances Your Sales
Overcome
customer
budget
restrictions
and price
objections
Increase your
order values,
maximise your
profit thru
upselling
Guarantee your
income, and
increase your
cash flow. You
get paid the full
100% of your
invoice value
immediately
upon installation
Protect your
customer base
and create
repeat business,
your customer is
signed up to you.
Provides
opportunity to
revisit and sell
upgrade or extra
equipment
Be ahead of
your
competition.
Large
companies are
moving to
leasing in this
sector, benefit
from being an
early adopter
An understanding of how the process of
selling through leasing can allow you to
increase your sales conversion rate and
plan ahead for future sales cycles.

5.  Customer enjoys a return on their investment immediately – they can purchase
now, their business enjoying the benefits now. The benefits sometimes outweigh
the costs of the scheduled repayments, producing a positive cash flow. With
cash, they have to wait often years until the investment reaches the break-even
point. Why make them wait!
 Customers pay gradually in instalments – retain liquidity in their business, so
they can gain interest, or invest in their core business
 Customers can afford to do additional projects, either now or during the lease
term, because you’ve spread their costs
 Their investment is future-proofed – customers can upgrade to new higher-
efficiency/profit equipment whenever they want. Customer is not investing in a
depreciating asset.
 Lower ‘sign-off’ levels for the customer, empowers decision making at lower
management, speeds up decisions
 Tax advantages – customer enjoys writing down allowances on each payment
(see diagrams)
How Would A Customer Benefit From Leasing?

6. -£30,000
-£25,000
-£20,000
-£15,000
-£10,000
-£5,000
£0
£5,000
£10,000
£15,000
1 5 9 13 17 21 25 29 33
Balanceofreturnoninvestment(£)
No. of months following up-front cash purchase
Paying by Cash - return from RET / EE
Investment
Break-even
point – a
wait of over
2 years
Up front cash
expenditure of
£28,700 on
investment
Period of negative return
The chart shows the issue with
paying through cash- it
removes core funds from the
business which could be
invested elsewhere, AND it
requires a period of time
before the capital is repaid and
the customer can enjoy a
return on there initial
investment.
Paying through leasing results
in an immediate return on the
customers investment as,
where possible, the rental will
be aligned to the savings
made.
The Disadvantage Of Paying With Cash

7. The Advantage Of Leasing
£0.00
£200.00
£400.00
£600.00
£800.00
£1,000.00
£1,200.00
£1,400.00
1 5 9 13 17 21 25 29 33 37
MonthlyCash
positivegains(£)
Monthly repayment schedule (3years)
Cash Positive Gains from EE
Investment£1,162
monthly
savings,
monthly
lease
payments
of £1,008 =
Net
Monthly
Cash Gain
of £154
Lease
payments
complete
d after 36
months.
Leasing can
produce
immediate return
on investment
(paying by cash
does not!)
The chart shows the monthly
[in this example] benefit of
paying through leasing. The
customer receives a ROCE from
the funds that remain in the
business, and also realises a
cash positive gain each month.
Come the end of the lease
agreement, the savings are
accelerated as all savings are
realised by the customer.

8. £0.00
£200.00
£400.00
£600.00
£800.00
£1,000.00
£1,200.00
£1,400.00
1 5 9 13 17 21 25 29 33 37
MonthlyCash
positivegains(£)
Monthly repayment schedule
Leasing provides the customer with 100% tax allowances on every lease payment.
E.g. On a £1000 monthly lease payment, if a company pays 25% corporation tax on
its profits, it will receive £250 back in the form of tax-not-paid. This makes the real
value of the lease payment only £750
Tax relief
Cash positive gains thru savings

9. £0
£2,000
£4,000
£6,000
£8,000
£10,000
£12,000
1 5 9 13 17 21 25 29 33 37
Balanceofincomefrominvestment(£)
No. of Monthly repayments
Tax allowances bring huge benefits!
Hence, the approximately £250 a month tax benefit amounts to £000’s extra revenue
income over the period.

10. ‘Lead With Leasing’ Integration Process
(4) Clear
Support
(3) Train &
Incentivize
Sales Staff
(2) Integrate
tools
(1)
Management
Commitment
4) Dedicated, experienced, qualified EE
support staff. Clear informs & negotiates with
funders, 24hr access to our system and your
deals, can liaise with customers if requested.
3) Free sales staff training programme, full
Sprint training, empower Sales team with
tools, skills & knowledge to give ability to
increase sales
2) Clear Partner webpage – Lease Quotation
Letters, demonstrate cash-positive payments,
Mobile App, integrated reports
1) With full management buy-in into Leading
With leasing, you reap the full benefits from
your sales staff

11. Multiple
Funders
Clear
You the
supplier
Sprint app and
partner webpage
Clear
proposal
Credit
clearance
The Process Flow

12. Our Innovative Mobile Application
The ability to upload new
quotes, view saved quotes or
view quotes that you have
already uploaded.
Simply select the technology
you wish to supply, along
with a short description of
the model etc.
You are able to manipulate
the term and payment
frequency, allowing you to
adjust the rental based on
your customers budget.
Return to saved quotation,
allowing you to amend, send
the quote to the customer or
to upload to the team at
Clear Asset Finance.
With our newly developed mobile
application, you are able to
provide on the spot quotations to
the customer. We will incorporate
your rates into the application,
allowing you to be confident that
the indicative rates provided are
as accurate as possible [subject to
credit clearance]. You can then
view saved or uploaded quotes,
make amendments, send the
quote direct to the customer etc.
We have worked hard to make
sure the application is supported
by many operating systems, and
you can be assured in knowing
that the most popular devices are
supported [Android, Windows
desktop, iPad, iPod, iPhone etc.].

13. Making Each Quotation Personal
We want you to be as
prepared and confident as
possible when proposing a
lease option to the
customer. Further to the
above tools, we will provide
a bespoke and personalised
lease quotation letter,
outlining the benefits of
leasing and diagrammatically
portraying the benefits of
leasing as opposed to a cash
purchase. The feedback we
have received is that this is a
very useful tool and allows
the customer to visually see
the benefits of leasing.

14.  Customers pay gradually in instalments, retaining liquidity in their
business, so they can gain interest, or invest in their core business
 Customers can afford to do additional projects, either now or during the
lease term, because you’ve spread their costs
 Their investment is future-proofed – customers can upgrade to new
higher-efficiency/profit equipment whenever they want
 Lower ‘sign-off’ levels for the customer, empowers decision making at
lower management, speeds up decisions
 Tax advantages – customer enjoys writing down allowances on each
payment
Additional Benefits Of Leasing;

15. Sales Support
We understand that in order to for finance to be successful in
your sales strategy, you require a first class sales support
service.
We are continually developing and creating sales aid tools that
will help you overcome objections and budget restrictions. We
have a dedicated ‘green’ division who are focussed solely on
supporting you to convert sales through the use of finance.
Imbedding Finance Into Your Sales Strategy

16. Clear Asset Finance- An Overview
 4 Directors’ collective 60 years leasing experience
 Industry knowledge and experience - Masters-level ‘green energy and
energy efficiency’ qualified, background in leasing and in implementing
green building standards tools with the Green Building Council
 A wide range of over 20 banks/lenders experienced in funding ‘green’
projects –and at competitive rates
 More flexible and efficient credit rating assessment than CT/Siemens and
Salix for your customers
 Credit decision often within 4 hours for leases
 Electronic Data Interface between you, Clear and the funder – secure and
efficient process
 Innovative sales-aid tools
Should you have any feedback, ideas or general queries, please just get in
touch.