Key Facts

Key Facts – what you need to know about our asset finance products at a glance.

Please note the following key information regarding our asset finance products:


The total interest that you will pay us during the course of the finance arrangement will be calculated up front. The amount you owe will reduce each time a payment is made.

Any APR shown has been calculated on the assumption that the amount of credit provided will be repaid as expected without you making any early repayments.


Your payments will be made monthly. The number of payments and the length of the agreement is as per the payment plan found on your contract.

You can repay the credit early in full or in part at any time. To do this, you can write to us at: Hitachi Capital Business Finance, Hitachi Capital House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP or email us at

Asset Ownership

Hire Purchase:

For the period of your finance arrangement, you must look after, maintain and insure the asset. However, title of the asset will not pass to you until you have paid all finance owing and the option to purchase fee (£75 plus VAT).


Under the terms of a lease you will never own the asset.

For the period of your finance arrangement, you must look after, maintain and insure the asset.

At the end of the finance period we will sell the asset. You may introduce perspective buyers to us at any time and we will rebate to you 95% of the sale proceeds of the asset less any expenses incurred by us, for example: repair, repossession, transport.

What if I have trouble making payments?

Please contact us at if you are having trouble making payments and we will endeavour to help your situation as best as we can.

In the event that you miss payments the following fees could be incurred:

  • Notice of default £50*
  • Notice of termination £75*
  • Direct Debit Rejection £30*

(*VAT may also be applicable).

If we have to repossess the asset and incur expenses or legal fees then you may also be liable for those fees as well.

Eligibility Your Information