Finance Lease

Why Choose Finance Lease

AMI predominantly handle long-term contracts of 2 to 4 years. We know that a lot can happen to your business in that time; you need a contract that can offer different options as your situation changes.

Unlike other contracts, when you sign the dotted line you aren’t committed to one particular path. Finance leasing is far more flexible. When your contract expires, you have a choice of options available for the vehicle. When taking out this agreement, you will benefit from fixed monthly costs without taking on the hassle of administration and operating risks.

Finance Lease is not available to Private Individuals but is the preferred option for Vat registered Partnerships, Limited Companies, Self Employed & Sole Traders due to the significant tax advantages.

What Is Finance Lease?

The Benefits

At the start of the Finance Lease contract, usage parameters for the vehicle are agreed and providing they do not vary, monthly payments and interest rates are fixed for the duration of the contract.

A Finance Lease agreement enables you to 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 residual payment based on the anticipated resale value of the vehicle.

The residual can be settled either by selling the vehicle or it can be refinanced over another fixed period. At no time will you be able to take ownership of the asset.

Fixed Costs

Fixed payments for the whole agreement

Small Outlay

Low upfront costs for just a small outlay, you can use the assets immediately

Tax Back

Tax-deductible get up to 40% of your total payments back (including your deposit)

Built for you

Fixed repayment structure tailored to match your cash flow

Tax Advantage

VAT is payable on the rentals, not the purchase price, while payments can normally be offset against taxable profit (special rules apply to cars)

No Penalties

No penalty charges for additional mileage or damage at the end of the agreement

100% of sale proceeds

Although the customer does not own the vehicle, they receive 100% of the sale proceeds. Where a ‘balloon rental’ has been introduced, these proceeds are utilised to help clear the rental.


I have had the pleasure of working with AMI for over 20 years and that is a testament to a great business relationship in itself. The team at AMI are always ready and, most importantly, able to assist and resolve the requests we throw at them. The team are a pleasure to deal with and communicate reliably and quickly, which means we know whatever we ask will be dealt with speedily and without having to chase up, a rarity in business these days !! Long may the relationship continue to flourish, thank you AMI.

Earl Robinson Director - Vision PLC

My company turned to AMI when we started 19 years ago and Darren sourced our first company cars. A Red Rover vitese and he came out to our first major breakdown, the same Rover Vitese on the A10. Since then they have sourced everything from Mini to classic xjs all with professionalism and a smile.The company and their staff are the perfect partners when you need to source/lease/buy or sell, don’t take my word give them a go!!!

Chris Powell MD - CP Timber

AMI have served my companies for over 25 years by providing fully serviced fleet hire vehicles for me and my senior staff. As Consulting Civil Engineers operating in the Infrastructure Industry we need reliability and back up to keep our people on the move. AMI have always done that for us with a friendly and ‘no quibble’  attitude. I would have no hesitation in recommending them for your fleet needs.

Richard Bettridge Director - Motion Consultants Limited

I have been using AMI to supply both my personal and company vehicles for over 20 years now and that’s a testament to the relationship we have built. For me, loyalty is a big factor in business and not everything is built on price alone these days and that is what I find refreshing about the personalised service they give you. I know that whatever my requirements, Neil and the team will do everything they can to help to find the deal I’m after. I would have no hesitation in recommending AMI, they have been an absolute pleasure to work with.

Firas Bilbeisi MD - Corporate Management Telecom Limited

I have dealt with the staff at AMI for over 20 years and found them to be courteous, highly knowledgeable and devoted to the art of doing business with genuine integrity. In an age when the customer may not always feel they come first and in an industry not always known for quality of service, they are almost unique. I look forward to many more years of mutually beneficial association.

Paul Bruhin‐Price MD - T.E.D Ltd

We have been using AMI Leasing for many years now and have to say that they have been an absolute pleasure to do business with. From sourcing vehicles, delivering them personally on the agreed date and in tip-top condition, it’s a service that goes above and beyond what would normally be expected. We have no hesitation in recommending the guys at AMI Leasing and of course
we hope to do business with you again in the future.

Darren Staggs Elsenham Taxis

We were looking for a new Van for our business and Ian gave us a quotation on the specification on what we required. Ian won the quote and the whole process from start to finish was dealt with expertly and we received our new van on time. The after sales from the team have been faultless ensuring any questions we had was answered swiftly. We have no hesitation in recommending AMI vehicle Leasing to friends, family and business colleges.

Matthew Pearce Melissa Electrical

I used AMI to purchase my new car. I dealt exclusively with Ian Tolley who was engaging, friendly, helpful, knowledgeable and communicative. I got a very good deal and the car was delivered on time. From my experience, I have no hesitation in recommending both Ian and AMI.

Tom Urwin

Dear Ian, thank you so much for all your efforts in finding my new car and especially big thank you for my big surprise, yellow is the new black!! I love it.

Samantha Smith Office Manager - BPC
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