Peter Smith

Peter Smith Finance - Finance Products

Commercial Asset Finance Ayrshire

Peter Smith
Finance Solutions

Tel: 0845 163 0199
Mob: 07908 299083

Peter Smith - 1 Year Member

Commercial Asset Finance Ayrshire

Peter Smith Finance
Finance Products

About Us

We love to give people money!

Whether you are a small business, large corporate or a private individual, we have a lending solution for you. We have relationships with over 50 lenders and we specialise in commercial and asset finance for businesses who are buying things such as cars, vans, plant machinery, renewables and much more. Anything your business needs to grow and expand, we can help.

We can even provide VAT loans and invoice finance to help with cash-flow and working capital. We can also supply finance to established retail and home improvement businesses to make it easier and affordable for your customers to buy your product.

With over 27 years experience, we always aim to give you the best personal service and best products in the market.


What we do

We love to give people money!


Asset Finance

For the purchase of any asset that the business need to grow and expand such as vans, HGV, plant, machinery etc. This can be a traditional Hire Purchase agreement to own the asset outright, or a Finance Lease, where you essentially rent the vehicle or equipment.

Refinancing of assets already paid in full is also a very popular way to raise working capital.

Commercial Finance

Business loans for almost any purpose, such as quarterly VAT loans, business expansion, working capital for new projects. From £5,000 to £5,000,000.

Invoice financing is also available to release cash tied up in unpaid invoices, easing cash flow and releasing working capital.

Motor Finance

Hire Purchase for new and used vehicles for private individuals or for businesses whether it’s the whole fleet or just one company car user.

We can also help motor and van dealers with providing finance to their customers too. We can help find you the best finance option to suit you or your business.

Home Improvement

For home improvement businesses to provide low rate, affordable and flexible repayments of up to 10 years (FCA authorisation required). We provide this facility to established manufacturers and installers of windows,doors, conservatories, kitchens, bedrooms, bathrooms and heating systems.

12 months interest free terms can be arranged for businesses with no FCA authorisation.

Retail Finance

We have a wide range of clients offering 12 month 0% terms and for supplier who are FCA authorised, up to 5 year terms. Our clients are anyone who sells to the public, who have at least £250k annual turnover and been trading for 2 years. Sale value £250 - £15,000 max.

We supply these terms to a range of clients: Dentists, Funeral Directors, Flooring, Soft Furnishing, Electrical Goods, Motor Home Hire, CCTV & Alarms, Art Gallery. Whatever your product, just ask.

Personal Loans

Unsecured loans from £2000 to £15,000 for all credit profiles. 2nd charge, secured loans up to £500k.

All loans are subject to underwriting criteria and terms and conditions.


What our clients say

After being introduced to Peter, I felt very comfortable with his proposition to introduce the option for credit within my business. The turnaround for setting up the credit was very quick and easy. Already I have found it has improved business and given my customers more affordable payment options than before.

Eddie Patterson Art-Farti Gallery and Art 'n' Joy - Saltcoats

We recently funded a new 1 ton Tipper for Clyde Tool Hire, Greenock. Owner Robert Ward said:

As a new business I have dealt with various companies to arrange finance on my larger items of kit. In comparison to large companies, Peter gave a really personal service and took the time to talk through everything and answered all of my questions. He also got me a much better deal than the previous company I used. I would recommend Peter to anyone that is looking to arrange any type of finance.

Robert Ward Clyde Tool Hire

Steven and myself would like to thank you very much for the time and effort that you gave to ourselves with our application for Ideal Flooring to operate with Omni Capital Retail Finance. You had taken us through the process step by step and I am delighted to say that with your Guidance that we can now offer our customers 0% Interest thanks to you.

We would have no hesitation in recommending Peter Smith Business Consultancy to anyone, and we both appreciate the hard work and encouragement that you gave us Peter. Thanks Again.

Ian Campbell & Steven Irvine Ideal Flooring

Why Visit Us

Visitors are warmly welcomed to see how we work, please contact us if you would like to come along.

The Gailes Hotel

Marine Drive, Gailes
Irvine Ayrshire KA11 5AE
Location Map