BUSINESS FINANCE.

At Sandal, we understand that choosing the right BMW for your business is about more than just performance - it’s about finding a solution that supports your operations, cash flow and long-term goals. Our dedicated finance specialists are available at both of our centres to guide you through a range of tailored funding options. We take the time to understand your business needs, helping you build a bespoke finance package that works for you. Whether, you’re looking to minimise monthly outgoings or invest in ownership, we offer flexible solutions designed around your business. Our streamlined process ensures all paperwork is handled efficiently in-house, so you can focus on running your business while we take care of the rest.

BUSINESS CONTRACT PURCHASE (BCP).

Business Contract Purchase offers flexibility and control, with lower monthly payments and the reassurance of a Guaranteed Minimum Future Value (GMFV). It’s ideal for businesses that like to refresh their vehicles every few years.

What is the process?

• Choose your BMW (new or used)
• Select a repayment term to suit your business
• Agree your deposit and monthly payments
• Set your annual mileage
• Receive a Guaranteed Minimum Future Value (final payment)

At the end of the agreement, you can:

• Part exchange your BMW for another
• Pay the final payment and keep the vehicle
• Return the vehicle (subject to terms)

Why choose Business Contract Purchase?

• Fixed monthly payments to support cash flow
• Lower monthly costs compared to traditional ownership
• Guaranteed future value for added certainty
• Potential tax efficiencies (subject to your business circumstances)
• Flexibility at the end of the agreement 

​HIRE PURCHASE (HP).

Hire Purchase is a straightforward option for businesses that want to own their BMW outright, typically over a longer period.

What is the process?

• Choose your BMW (new or used)
• Select a repayment term between 12 and 60 months
• Agree your deposit and monthly payments

At the end of the agreement, the vehicle belongs to your business.

What are the benefits?

• Fixed monthly payments for easier budgeting
• Full ownership at the end of the term
• No mileage restrictions
• Helps preserve working capital by spreading the cost
• Potential tax advantages, as the vehicle may appear on your balance sheet (subject to status) 

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BUSINESS CONTRACT HIRE (BCH).

Business Contract Hire is a leasing solution that allows you to drive a BMW without the risks of ownership or depreciation, making it ideal for managing fleet costs.

What is the process?

• Choose your new BMW
• Select a contract length, typically 24 to 48 months
• Set your annual mileage
• Choose a rental profile to suit your budget

At the end of the agreement, simply return the vehicle.

What are the benefits?

• Fixed monthly rentals for accurate budgeting
• No depreciation risk or resale concerns
• Potential VAT advantages if your business is VAT registered
• Optional maintenance packages for added convenience
• Lower initial outlay compared to purchasing