Acorn Business Finance — Asset Finance Quoting Tool

Finance Type

🏦 Hire Purchase (HP) 📄 Lease Rental (LR)

Hire Purchase: Customer owns the asset at end of term. VAT can be deferred (lender funds it, repaid after the customer's VAT reclaim). AIA / Capital Allowances apply.

Customer Details

Customer / Business Name

Equipment / Asset Description

Quote Date

Prepared By

Finance Details

Asset Amount (£ ex VAT)

Doc Fee (£)

VAT Rate (%)

Funder Yield (% p.a.)

Commission (%)

Deposit (%)

Option-to-Purchase Fee (£)

VAT Treatment (HP)

VAT Deferral Period

Standard for solar: Deferred, 3 months — aligns with the customer's next quarterly VAT return. Use "Paid up front" only if the customer will fund the VAT at the start.

Corp Tax Rate (%)

Tax Payer?

Capital Allowance Pool (spend over £1m AIA)

Repayment Profile

Enter the number of payments up front followed by the monthly payments that follow. e.g. 1 + 59 = 1 in advance then 59 monthly (60 months / 5 years). Max 120 months.

Payments Up Front

+

Followed by (monthly)

= 60 months total (5 Years)

Quick add:

Seasonal Repayments New

Enable Seasonal Structure

Higher payments May – September

Summer Uplift (%)

Deal Start Month

Seasonal payments keep the same annual total. May–Sep pays 50% more, Oct–Apr pays proportionally less.

Savings Graph New

Show Solar Cash-Flow Graph

Bill without vs with solar + payments

Current Annual Electricity Bill (£)

Bill Reduction from Solar (%)

Energy Price Inflation (%)

Annual Export Income (£, optional)

Projection Period (Years)

Inverter Replacement (£, optional)

Replacement Year

Uses the first repayment profile for the payment bars. Export income = year-1 value of electricity sold to grid (export kWh × export price); it's added to the annual saving and grows with inflation. Inverter replacement is applied as a one-off cost in the year set. Figures are indicative — match to the site survey.

📐

Enter your asset details and select one or more term profiles on the left, then click Generate Quote to see indicative payments.

INDICATIVE MONTHLY PAYMENTS — Doc Fee: £250

Term	Profile	Monthly Payment	First Payment	Flat Rate p.a.	Total Repayable	Total Finance Charge

💷

Generate a quote first to see the tax efficiency analysis for HP vs Lease Rental.

📋

Generate a quote to preview the branded proposal ready for printing or sharing with your customer.