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Commercial Benefits - Reduce Costs
Retail Finance
With retail finance you've got a powerful sales tool at your fingertips.
Your customers can get the hardware or software they want without breaking the bank. You get access to a fast, flexible solution to help you win more business and increase sales values.
Thanks to our partnership with Black Horse we can offer specialist retailers access to one of the most competitive retail finance packages available. Currently in use by household names including DFS, Sony and Wickes. Over 300 ActSmart subscribers are already taking advantage of this retail finance package.
Key features
- View Black Horse rates and download application form
- Exclusive rates for ActSmart Gold and Platinum subscribers
- Complete range of finance products including "Interest Free"
- Lower rates for processing deals online using "Me2u" system
- "Gold" rates for retailers doing more finance business
- Minimum advance of just £150
- Dedicated customer service and account management
Preferential retail finance rates available to:
Download Documents
- Black Horse Rates & Application Form - February 2009
- Top tips for making the most of interest free finance - GENERAL.pdf
Frequently Asked Questions
Q: How do I apply to get the Black Horse package?
A:
When applying to Black Horse you will need to supply the following:
- Completed application form
- Copy of current consumer credit licence
- Letterhead or invoice which you issue to customers
- Latest accounts to include: P&L and Balance Sheet
- Full store listing: trading name, address, telephone, fax, contact details
Q: Do I need a consumer credit licence before applying?
A: Yes. Like most other finance providers Black Horse will not be able to accept your application without evidence that you have a current consumer credit licence.
Q: How do I get a consumer credit licence?
A:
Consumer credit licences are available from the Office of Fair Trading
and generally take approximately 3 - 4 weeks to be issued. They last
for 5 years and the current fees are:
- Sole Trader - £480.00 (£330 licence fee + £150 CCJ levy)
- Ltd Co / Partnership - £970.00 (£820 licence fee + £150 CCJ levy)
Q: My business is less than 2 years old and has been refused retail finance by other companies. Are Black Horse more flexible?
A:
Yes. Thanks to our partnership with Black Horse we have ensured they will always consider applications from younger businesses who are able to provide the following information:
- Cash flow forecast
- Opening Statement
