• What are Enhanced Capital Allowances (ECA)?

    Enhanced Capital Allowances enable a business to claim 100% first-year capital allowances on their spending on qualifying plant and machinery. This compares to the traditional writing down allowance in subsequent years.


  • What are Capital Allowances?

    If you buy an asset, for example, a car, tools, machinery or other equipment for use in your business, you cannot deduct your expenditure on that asset from your trading profits. Instead, you may be able to claim a capital allowance for that expenditure. Capital allowances are available to sole traders, self-employed persons or partnerships, as well as companies and organisations liable for Corporation Tax.


  • What are SWAPS?

    These are Interest Rate Hedging Instruments that have recently received much press coverage. These are products which aim to reduce risk to interest rate fluctuations have been sold to small and medium sized businesses. They are typically sold alongside a business loan from banks. However, they can vary in complexity and can, therefore, be mis-sold in most cases. If you believe you have been mis-sold please feel free to contact CFS. Also visit https://www.fca.org.uk/consumers/financial-services-products/banking/interest-rate-hedging-products

  • What is the right deal for me?

    Well that depends. The right deal is not always about the cheapest price. CFS work with you to understand what is important to you and your business. You might want the flexibility of a longer repayment term but with the ability to repay early. You might want the cheapest price. CFS work with you to achieve a satisfactory outcome for you.

  • How do I know I am getting the right deal?

    CFS access the whole market to allow you to compare your existing bank’s offer. This allows you to make a commercial decision based on the market information. Either way you win!

  • Which lenders do you use?

    As members of the NACFB we are independent and therefore have access to the whole market, which means you get to access a range of providers to find the right solution for your financial needs.

  • What does your service cost?

    An initial review or meeting will be carried out free of charge. Once your requirements are known the terms will be advised to you up front. These will be in the way of a fee based on the amount borrowed or per hour for consultancy work.

  • What is the NACFB?

    This is our national association that governs how we operate in the market. CFS is a full member of the association. More details can be viewed at www.nacfb.org