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FORD BUSINESS VEHICLE LEASES AND FINANCE

PLANS THAT WORK FOR YOU

Choose from a range of finance plans for cars and commercial vehicles, designed to simplify the process of getting a new Ford on the road.

Explore our business vehicle leasing and contract hire options. Or, if you prefer to own at the end of your term, consider a personal contract plan with Ford Options or hire purchase with Ford Acquire. See our comparison table below to compare our business vehicle finance plans.

FORD ACQUIRE

FORD ACQUIRE

Ford Acquire is our traditional Hire Purchase product for car customers who are interested in ownership. Once all monthly payments are made (including the Purchase Fee), your business will own the car. Take a look at the video to see how it works or find more information here.

FEATURES & BENEFITS

  • If you want to own your car at the end of the contract, Ford Acquire is our best product for you
  • Your business may benefit from any profit from the sale of the car
  • There may be writing down allowances available

 

HOW IT WORKS

  • Your deposit is deducted from the price of the vehicle. The balance plus any interest and fees is split into equal monthly payments depending on the length of your agreement.
  • Your fixed monthly payment will depend on the following:
  • Agreement length - choose from 24 to 60 months
  • The amount of the deposit you wish to pay
  • The Ford car you want to drive

 

AT THE END

At the end of the agreement, assuming all payments including the Purchase Fee have been made, the vehicle belongs to your business

To find out more, and for help choosing which vehicle you want, Contact us

 

NEXT STEPS

  1. We will be able to provide you with an instant quotation showing your monthly payments
  2. Once you are happy with your quote, We will submit your application to Ford Credit
  3. When the finance documentation is complete, you can drive away in your new Ford car

FORD OPTIONS

FORD OPTIONS

A type of hire purchase (sometimes called Personal Contract Purchase) where your monthly payment is lower when compared to a Ford Acquire agreement of the same length and deposit.

Take a look at the video below to see how Ford Options works.

HOW IT WORKS

Advance Payment : This is the difference between the purchase price of the car and the Optional Final Payment and includes any interest charges and the Facility Fee.  This is paid up front

Optional Final Payment : This is due at the end of your agreement. It is the anticipated future value of your car assuming its mileage and condition is as agreed when you signed your agreement.

 

AT THE END

You have three options at the end of your agreement:

Renew
Choose another car

The chance for your business to drive another new Ford Car.  You can trade your old car in or sell it privately.  Once you’ve fully settled your account (including the Optional Final Payment) any money left may be used as deposit for your new Ford Car.

Return
Hand the car back

Your business will have nothing further to pay, providing the car is in good condition and the agreed mileage hasn’t been exceeded.

Retain
Keep the car

If you decide to keep the car for your business, assuming all payments have been made, you just need to pay the Optional Final Payment plus the purchase fee and it’s yours to drive away.

Finance subject to status. Freepost Ford Credit.

 

NEXT STEPS

Once you have chosen the vehicle your business wants to buy then you will need to make a few decisions about your:

  • Agreement length – choose from 24 or 36 months
  • Your anticipated annual mileage

Your dealer will then calculate your Advance Payment

 

FORD OPTIONS CASHPLAN

FORD OPTIONS CASHPLAN

Just an advance payment and an Optional Final Payment.
No monthly payments to make.

Take a look at the video to see how it works

HOW IT WORKS

Advance Payment : This is the difference between the purchase price of the car and the Optional Final Payment and includes any interest charges and the Facility Fee.  This is paid up front

Optional Final Payment : This is due at the end of your agreement. It is the anticipated future value of your car assuming its mileage and condition is as agreed when you signed your agreement.

 

AT THE END

You have three options at the end of your agreement:

Renew
Choose another car

The chance for your business to drive another new Ford Car.  You can trade your old car in or sell it privately.  Once you’ve fully settled your account (including the Optional Final Payment) any money left may be used as deposit for your new Ford Car.

Return
Hand the car back

Your business will have nothing further to pay, providing the car is in good condition and the agreed mileage hasn’t been exceeded.

Retain
Keep the car

If you decide to keep the car for your business, assuming all payments have been made, you just need to pay the Optional Final Payment plus the purchase fee and it’s yours to drive away.

Finance subject to status. Freepost Ford Credit.

 

NEXT STEPS

Once you have chosen the vehicle your business wants to buy then you will need to make a few decisions about your:

  • Agreement length – choose from 24 or 36 months
  • Your anticipated annual mileage

Your dealer will then calculate your Advance Payment

 

FORD CONTACT HIRE

FORD CONTACT HIRE

Ford Contract Hire* is an alternative to vehicle ownership, with the option to include a Service, Maintenance and Repair plan for additional peace-of-mind

Take a look at the video below to see how Ford Contract Hire works. 

 

HOW IT WORKS

You pay an advance rental, followed by fixed monthly rentals and return the vehicle to Ford Lease at the end of your agreement.

Your fixed monthly rental will depend on the following:

  • Agreement length – choose from 24 to 48 months terms
  • Annual mileage
  • The advance rental amount
  • The Ford car you want to drive

 

WHAT DOES MY AGREEMENT INCLUDE?

  • Road fund licence for the duration of the agreement

 

FEATURES & BENEFITS

  • If you don't want to own your car, Ford Contract Hire is our best product for you
  • VAT registered businesses may be able to reclaim all or part of the VAT element of the monthly rental
  • Your rentals may be tax allowable

 

AT THE END

There are no part exchange or disposal issues. At the end of the agreement, you simply return the vehicle to us, Your dealer can discuss your new car needs and provide you with a new finance quote.  If you are interested then you take out a new Ford Contract Hire agreement and collect the latest model***.

Business users only. You will not own the vehicle at the end of the agreement.

*** Further costs may apply subject to mileage and condition. Restrictions apply.

Ford Lease is provided by ALD Automotive Ltd, trading as Ford Lease, Oakwood Drive, Emersons Green, Bristol, BS16 7LB. ALD Automotive Ltd is registered in England no. 987418. Finance subject to status. Guarantees and indemnities may be required. ALD Automotive Ltd and FCE Bank plc are authorised and regulated by the Financial Conduct Authority. 

 

NEXT STEPS

We will be able to provide you with an instant quotation showing your advance rental (typically three monthly rentals) and your monthly rental

For additional peace-of-mind, choose the optional service, maintenance and repair package for an additional monthly fee. Your fixed monthly rental will include the following**:

  • Routine servicing
  • Maintenance and repairs
  • Tyre repair and replacement (Upgrades and winter tyres are excluded)
  • Exhausts 
  • Batteries
  • MOTs (where applicable)

** Subject to Fair Wear and Tear.

 

FORD COMMERCIAL LINE OF CREDIT

COMMERCIAL LINE OF CREDIT

Why Choose a Commercial Line of Credit?

  • Running a small or medium business with multiple vehicles and want to simplify your business finance?
  • If your business likes to own their vehicles then a Commercial Line of Credit may be right for you.
  • Available on Ford Acquire,  Ford Acquire with balloon,  Ford Options and Ford Options Cashplan hire purchase plans
  • Approved annually with a minimum credit line of £75,000 - you'll get a renewal reminder 90 days before expiry
  • Once it is approved, Ford Credit is ready for you to add new vehicles whenever you are ready
  • And because your credit line is annually approved there is less paperwork and greater flexibility.  
  • Available on all Ford cars, vans and pickups for Limited Companies and Partnerships with 4 or more partners.

Business Users Only.

Take a look at the video below and find out more about a Commercial Line of Credit

FORD OPTIONS

FORD OPTIONS

A type of hire purchase (sometimes called Personal Contract Purchase) where your monthly payment is lower when compared to a Ford Acquire agreement of the same length and deposit. Take a look at the video below to see how Ford Options works.  You can find more information here.

 

HOW IT WORKS

Deposit : This is deducted from the price of the commercial vehicle

Monthly Payments : Calculated by deducting the Deposit and Optional Final payment from the price of the commercial vehicle. The balance, plus any interest and fees is then split into equal monthly payments depending on the length of your agreement.

Optional Final Payment : also deducted from the price of the commercial vehicle and is due at the end of your agreement. It is the anticipated future value of your commercial vehicle assuming its mileage and condition is as agreed when you signed your agreement.

AT THE END

You have three options at the end of your agreement:

Renew

  • Choose another Ford Commercial Vehicle - Your chance to drive another new Ford Commercial Vehicle.  You can trade your old Commercial Vehicle in or sell it privately.  Once you’ve fully settled your account (including the Optional Final Payment) any money left may be used as deposit for your new Ford Commercial Vehicle.

Return

  • Hand the Commercial Vehicle back - Assuming all monthly payments have been made, you’ll have nothing further to pay, providing the Commercial Vehicle is in good condition and the agreed mileage hasn’t been exceeded.

Retain

  • Keep the Commercial Vehicle - If you decide to keep the Commercial Vehicle, assuming all monthly payments have been made, you just need to pay the Optional Final Payment plus the purchase fee and it’s yours to drive away.

Finance subject to status. Guarantees may be required. Freepost Ford Credit.  Useage is restricted to certain business types.

Useage is restricted to certain vehicle types. Please contact us for more information.

 

NEXT STEPS

Once you have chosen the vehicle you want to buy then you will need to make a few decisions about your:

  • Agreement length – choose from 24, 36 or 48 months
  • Anticipated annual mileage
  • The amount of the deposit you wish to pay (Maximum deposit of 35%)

VAT registered commercial vehicle customers must pay the VAT amount in full with the deposit.

Your monthly payment can then be calculated.

The car belongs to your business at the end of the agreement assuming all payments plus the purchase fee have been made.

FORD OPTIONS CASHPLAN

FORD OPTIONS CASHPLAN

Take a look at the video to see how it works

HOW IT WORKS

Advance Payment:

  • This is the difference between the purchase price of the Commercial Vehicle and the Optional Final Payment and includes any interest charges and the Facility Fee.  This is paid up front

Optional Final Payment:

  • This is due at the end of your agreement. It is the anticipated future value of your Commercial Vehicle assuming its mileage and condition is as agreed when you signed your agreement.

 

AT THE END

You have three options at the end of your agreement:

Renew

  • Choose another Commercial Vehicle - Your chance to drive another new Ford Commercial Vehicle.  You can trade your old Commercial Vehicle in or sell it privately.  Once you’ve fully settled your account (including the Optional Final Payment) any money left may be used as deposit for your new Ford Commercial Vehicle

Return

  • Hand the Commercial Vehicle back - You’ll have nothing further to pay, providing the Commercial Vehicle is in good condition and the agreed mileage hasn’t been exceeded.

Retain

  • Keep the Commercial Vehicle - If you decide to keep the Commercial Vehicle, assuming all payments have been made, you just need to pay the Optional Final Payment plus the purchase fee and it’s yours to drive away.

Finance subject to status. Guarantees may be required. Freepost Ford Credit. 

 

NEXT STEPS

  • Once you have chosen the vehicle you want to buy then you will need to make a few decisions about your:
  • Agreement length – choose from 24 or 36 months
  • Your anticipated annual mileage 
  • Your dealer will then calculate your Advance Payment

 

 

FORD ACQUIRE

FORD ACQUIRE

Ford Acquire is our original hire purchase plan for customer interested in commercial vehicle ownership. There is an option to add a balloon to reduce your monthly payments versus Ford Acquire.

Take a look at the video to see how it works

Video

HOW IT WORKS

Deposit: This is deducted from the price of the vehicle.

Monthly Payments:  These are calculated by deducting the deposit from the vehicle price.  Any interest and fees are added to the balance  and then split into equal monthly payments.

Final balloon:  If you have chosen to add a balloon then this is your final payment and is based on the mileage band and contract term you chose at the start of the agreement.

 

FEATURES   BENEFITS

  • If you want to own your commercial vehicle at the end of the contract, Ford Acquire may be the best plan for you or your business
  • Your business may benefit from any profit from the sale of the commercial vehicle
  • There may be writing down allowances available
  • Eligible commercial vehicle customers must pay the full VAT amount as a minimum deposit in order to claim it back

 

 

AT THE END

At the end of the agreement, assuming all payments including the Purchase Fee have been made, the vehicle belongs to your business

 

  1. We will be able to provide you with an instant quotation showing your monthly payments
  2. Once you are happy with your quote, your Ford Dealer will submit your application to Ford Credit
  3. When the finance documentation is complete, you can drive away in your new Ford Commercial Vehicle

 

 

FORD COMMERCIAL LINE OF CREDIT

COMMERCIAL LINE OF CREDIT

Why Choose a Commercial Line of Credit?

  • Running a small or medium business with multiple vehicles and want to simplify your business finance?
  • If your business likes to own their vehicles then a Commercial Line of Credit may be right for you.
  • Available on Ford Acquire,  Ford Acquire with balloon,  Ford Options and Ford Options Cashplan hire purchase plans
  • Approved annually with a minimum credit line of £75,000 - you'll get a renewal reminder 90 days before expiry
  • Once it is approved, Ford Credit is ready for you to add new vehicles whenever you are ready
  • And because your credit line is annually approved there is less paperwork and greater flexibility.  
  • Available on all Ford cars, vans and pickups for Limited Companies and Partnerships with 4 or more partners.

Business Users Only.

Take a look at the video below and find out more about a Commercial Line of Credit

Video

FORD CONTACT HIRE

FORD CONTACT HIRE

Ford Contract Hire* is an alternative to vehicle ownership. Low capital outlay and tax allowable rentals*.

Take a look at the video below to see how Ford Contract Hire works. 

 

HOW IT WORKS

You pay an advance rental, followed by fixed monthly rentals and return the vehicle to Ford Lease at the end of your agreement.

Your fixed monthly rental will depend on the following:

  • Agreement length – choose from 24 to 48 months terms
  • Annual mileage
  • The advance rental amount
  • The Ford car you want to drive

 

WHAT DOES MY AGREEMENT INCLUDE?

  • Road fund licence for the duration of the agreement

 

FEATURES & BENEFITS

  • If you don't want to own your car, Ford Contract Hire is our best product for you
  • VAT registered businesses may be able to reclaim all or part of the VAT element of the monthly rental
  • Your rentals may be tax allowable

 

AT THE END

There are no part exchange or disposal issues. At the end of the agreement, you simply return the vehicle to us, Your dealer can discuss your new car needs and provide you with a new finance quote.  If you are interested then you take out a new Ford Contract Hire agreement and collect the latest model***.

Business users only. You will not own the vehicle at the end of the agreement.

*** Further costs may apply subject to mileage and condition. Restrictions apply.

Ford Lease is provided by ALD Automotive Ltd, trading as Ford Lease, Oakwood Drive, Emersons Green, Bristol, BS16 7LB. ALD Automotive Ltd is registered in England no. 987418. Finance subject to status. Guarantees and indemnities may be required. ALD Automotive Ltd and FCE Bank plc are authorised and regulated by the Financial Conduct Authority. 

 

NEXT STEPS

We will be able to provide you with an instant quotation showing your advance rental (typically three monthly rentals) and your monthly rental

For additional peace-of-mind, choose the optional service, maintenance and repair package for an additional monthly fee. Your fixed monthly rental will include the following**:

  • Routine servicing
  • Maintenance and repairs
  • Tyre repair and replacement (Upgrades and winter tyres are excluded)
  • Exhausts 
  • Batteries
  • MOTs (where applicable)

** Subject to Fair Wear and Tear.

 

FORD FINANCE LEASE

FORD FINANCE LEASE

A lease plan where you sell the commercial vehicle at the end of the agreement and any sales proceeds are returned to you.

Take a look at the video below to see how Ford Finance Lease works. 

 

HOW IT WORKS

You pay an advance rental, followed by fixed monthly rentals. You may further reduce your rentals by choosing the Ford Finance Lease with balloon option..

Your fixed monthly rental will depend on the following:

  • Agreement length – choose from 24 to 60 month terms
  • The amount of the advance rental 
  • The Ford vehicle you want to drive
  • If you have chosen Finance Lease with Balloon option your monthly rental will be lower

 

AT THE END

At the end of the agreement, you are responsible for selling the commercial vehicle on behalf of Ford Lease by choosing one of the following options:

  • Sell the vehicle on behalf of Ford Lease to a third party
  • Agree a part exchange price with your Ford Dealer and the Dealer purchases the vehicle from Ford Lease.
  • Ford Lease will return 100% of the sale proceeds to you less any fees associated with the vehicle sale.

You may extend your agreement by paying a nominal peppercorn rental of £100+VAT per year.

If you have taken the balloon option, you must settle the balloon amount with Ford Lease at the end of the primary term.

Ford Lease is provided by ALD Automotive Ltd, trading as Ford Lease, Oakwood Drive, Emersons Green, Bristol, BS16 7LB. ALD Automotive Ltd is registered in England no. 987418. Finance subject to status. Guarantees and indemnities may be required. ALD Automotive Ltd and FCE Bank plc are authorised and regulated by the Financial Conduct Authority. 

 

NEXT STEPS

  • We will calculate your advance rental (typically three monhtly rentals) and fixed monthly rentals

 

 

Plan Features
FORD ACQUIRE
FORD OPTIONS†
FORD
OPTIONS CASHPLAN
FORD CONTRACT HIRE*
FORD FINANCE LEASE*
Customer Type Private individuals and business customers. Some business types are excluded from Ford Options and Ford Options Cashplan. See ford.co.uk/finance/support/business-finance for a full list Business Customers Only
Manage your Account 24/7? YES YES YES NO NO
Option To Own
The Vehicle**

YES YES
YES
NO NO
Finance Term 24 to 48 months (maximum term 60 months for Ford Acquire) 24, 36 & 48 months 24 & 36 months 24 to 60 months
Typical Advance
Rental/Deposit

Zero deposit available 
(VAT normally paid up front)
Advance Payment Minimum one month's rental.
Typically 3 month's rental
No Responsibility
For Vehicle Disposal

NO NO NO YES NO
Flexible End Of
Contract Options

Renew/Retain
Renew / Retain/ Return
Return vehicle and Renew Return vehicle and Renew
Balloon Option
YES Optional Final Payment
NO YES
Optional Maintenance
/Service Package

Ask your Ford Dealer
Available at additional cost Ask your Ford Dealer
Road Fund License
Included for the first year
Included for the first year
Included for the duration of the
agreement
Included for the first year
VAT On Monthly
Payments

No VAT on payments but VAT on vehicle may be fully recoverable VAT registered businesses may be able to reclaim all or part of the VAT element of the monthly rental
Fees
Finance Facility Fee payable with the first monthly payment. Purchase Fee payable with the final payment if you wish to own the vehicle at the end of the agreement. Our fees may vary dependent on marketing promotions available at the time.
NO NO
Taxation (Customers Are Advised To Seek Personal Advice)
Writing down allowances may be available.
Interest cost may also be offset
Rentals allowable against taxable profits
Commercial Line of Credit YES YES YES NO NO

* Ford Lease is provided by ALD Automotive Ltd, trading as Ford Lease, Oakwood Drive, Emersons Green, Bristol, BS16 7LB. ALD Automotive Ltd is registered in England no. 987418. Finance subject to status. Guarantees and indemnities may be required. ALD Automotive Ltd and FCE Bank plc are authorised and regulated by the Financial Conduct Authority. 

The availability of tax and VAT benefits may vary subject to the facts and circumstances of individual cases and tax law is subject to change over time. Customers are therefore advised to seek professional advice with regard to taxation.

† Ford Options is a hire purchase agreement with an Optional Final Payment due at the end. Your deposit (maximum 35%) and the Optional Final Payment are deducted from the price of the car. The balance plus interest is then split into equal monthly instalments depending on the length of your agreement. As Ford Options is a mileage based agreement, it is important that your anticipated mileage is reflected correctly as it cannot be changed mid-contract.

**Ford Acquire, Ford Options and Ford Options Cashplan: your business will own the vehicle once all payments (including the final balloon where applicable and the Purchase fee) have been made.

Ford Contract Hire: Ford Lease is the legal owner of the vehicle. However, the customer is responsible for any service, maintenance and repair costs (unless covered by an optional maintenance agreement) plus any additional costs such as parking fines, traffic violations or accident damage.

Ford Finance Lease: Ford Lease is the legal owner of the vehicle and the customer is the registered keeper of the vehicle. The customer is responsible for any service, maintenance and repair costs, plus any additional costs such as parking fines, traffic violations or accident damage.

Business users only

 

OTHER FINANCE PLANS

We also offer personal car finance for your new or approved-used Ford, as well as complete funding and management solutions for large fleets.

FINANCE FOR ME

Found your ideal new or approved-used Ford? We have a range of personal car finance plans available to Ford owners. So, you can find and finance your car all in one place.

Personal Car Finance

FINANCE FOR MY FLEET

Looking for fleet funding? Ford Fleet Management is our one-stop-shop for bespoke fleet management and funding solutions.

Finance My Fleet

IMPORTANT INFORMATION

Ford Credit is a trading style of FCE Bank plc. Registered in England: No 772784. Registered Office:  FCE Bank plc, Arterial Road, Laindon, Essex, SS15 6EE. FCE Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under firm reference number 204469.

* Ford Lease is provided by ALD Automotive Ltd, trading as Ford Lease, Oakwood Drive, Emersons Green, Bristol, BS16 7LB. ALD Automotive Ltd is registered in England no. 987418. Finance subject to status. Guarantees and indemnities may be required. ALD Automotive Ltd and FCE Bank plc are authorised and regulated by the Financial Conduct Authority. 

The availability of tax and VAT benefits may vary subject to the facts and circumstances of individual cases and tax law is subject to change over time. Customers are therefore advised to seek professional advice with regard to taxation.

† Ford Options is a hire purchase agreement with an Optional Final Payment due at the end. Your deposit (maximum 35%) and the Optional Final Payment are deducted from the price of the car. The balance plus interest is then split into equal monthly instalments depending on the length of your agreement. As Ford Options is a mileage based agreement, it is important that your anticipated mileage is reflected correctly as it cannot be changed mid-contract.