Mistral Finance

Flexible Financing Solutions Across Industries

About us

Specialists in bus and coach financing, Mistral Finance has a highly experienced team providing financial solutions to operators across the market. Mistral Finance also provides expert financial solutions for the agriculture, transport & logistics, plant & machinery, manufacturing and automobile sectors.

We are ready to help you navigate through the various finance options available in the market to find the best solution for your business, regardless of the asset you wish to purchase.

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Why Mistral Finance

Part of leading bus and coach provider, Mistral Group, Mistral Finance offers a personal, straightforward approach to asset finance. With years of experience supporting the bus and coach sector, our team is known for its honesty, integrity, and in-depth industry knowledge. As we expand into multiple new sectors, including agriculture, transport & logistics, plant & machinery, we continue to offer a wide range of finance solutions for wheeled assets, ancillary products, property, and more.

Bus & Coach

Bus and coach asset finance offers specialised funding solutions for businesses and operators to acquire or upgrade essential vehicles without large upfront costs. Tailored specifically for the passenger transport sector, this finance helps maintain reliable, high-quality fleets, meet regulatory standards, and support business growth. Invest in your fleet confidently with flexible bus and coach financing solutions designed for the industry’s needs.

Agriculture

Agriculture asset finance offers tailored funding solutions for farmers and agricultural businesses to acquire essential equipment, machinery, and vehicles without significant upfront costs. Designed specifically for the agricultural sector, this financing meets the unique challenges of unpredictable cash flow caused by seasonal income, market fluctuations, and weather impacts. Secure the assets you need to grow your agricultural business with our flexible financing options.

Transport & Logistics

Transport and logistics asset finance offers targeted funding solutions for companies to acquire, maintain, and upgrade essential assets such as trucks, trailers, forklifts, and other vehicles. Tailored for the unique cash flow cycles and needs of the transport and logistics industry, this finance supports businesses in meeting customer demand, optimising operations, and staying competitive with high-quality equipment.

Plant & Machinery

Plant and machinery asset finance offers businesses financial flexibility to acquire, upgrade, or replace essential heavy equipment without significant upfront costs. Ideal for industries like construction, manufacturing, and mining, this finance solution supports the acquisition of specialised equipment crucial for operations and productivity. Optimise your business capabilities and maintain a competitive edge, with tailored plant and machinery financing solutions.

Cars

Mistral Finance offers tailored finance solutions to support the purchase of cars for business use. Whether you’re looking to expand your company fleet or invest in a single vehicle, we can arrange flexible funding options to suit your needs. With competitive terms and a straightforward process, we help businesses acquire vehicles while managing cash flow and preserving working capital.

Manufacturing

Mistral Finance provides flexible finance solutions to support businesses in the manufacturing sector. Whether you’re investing in new machinery, upgrading equipment, or expanding operations, we can help structure funding that aligns with your cash flow and growth plans. Our team understands the industry’s demands and works with you to secure the right finance to drive productivity and efficiency.

Financial Products

Hire Purchase

Hire Purchase is a popular funding route to ownership, offering a straightforward and structured way to acquire assets. Many operators prefer this option due to its flexibility and predictability. You’ll pay an initial deposit, followed by fixed monthly instalments, making it easy to budget. To ease cash flow, VAT can be deferred at the start, and a final balloon payment can reduce monthly costs. Once all payments are complete, full ownership of the asset transfers to you.

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Finance Lease

A Finance Lease through Mistral Finance provides a flexible and affordable way of expanding your fleet. At the start of your asset finance agreement, you’ll make a fixed number of advance payments. Monthly payments are then calculated based on the difference between the vehicle’s purchase price and its projected residual value at the end of the term. This structure means you’re only financing part of the asset’s value, helping to reduce upfront costs and keep monthly payments manageable. At the end of the agreement, the vehicle is simply returned to the lender, with no residual value risk to you.

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Operating Lease

An Operating Lease through Mistral Finance offers bus and coach operators a cost-effective and flexible way to access high-quality vehicles without the financial burden of ownership. With fixed monthly payments, you can better manage cash flow and preserve capital for other business needs. Mistral’s tailored leasing solutions include maintenance options, ensuring vehicles remain roadworthy and compliant. At the end of the lease, operators simply return the vehicle—no depreciation risk, no hassle, just a safe, efficient way of growing your fleet.

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Assets Refinance

Asset Refinance is an effective way of releasing equity and injecting cash into your business without disrupting day-to-day operations. This process involves selling existing vehicles or equipment to a lender at their current working value, then leasing them back over an agreed term. You continue using the asset while repaying the advance in manageable instalments. Once the finance is repaid, including any fees, full ownership returns to you. It’s an effective way to boost cash flow and strengthen financial flexibility.

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Own Book & Brokered Funding

Mistral Finance offers both Own Book and Brokered Funding solutions, giving bus and coach operators access to flexible finance options tailored to their specific needs. With Own Book funding, Mistral provides direct, in-house finance for quicker decisions and a personalised approach. For more complex or unique requirements, Brokered Funding opens up access to a broad panel of trusted lenders. This dual offering ensures operators get the most competitive rates and terms to support fleet growth and long-term success.

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Commercial Mortgages

Commercial Mortgage solutions through Mistral Finance to help businesses in the bus and coach sector and beyond to invest in property with confidence. Whether you’re purchasing new premises, refinancing an existing facility, or expanding your operations, our expert team can structure flexible finance options to suit your goals. With access to both high street and specialist lenders, we secure competitive rates and terms, ensuring your property investment supports long-term growth while preserving working capital for day-to-day operations.

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Cash Flow Solutions

Seasonal Repayments

Tailor your repayment schedule to suit your business’s seasonal cash flow by choosing bimonthly or quarterly payment options. This flexible approach helps align finance repayments with periods of higher income, easing pressure during quieter months. It’s a practical solution designed to support cash flow management and provide greater control over your financial commitments throughout the year.

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Business Loans

Flexible Business Loans through Mistral Finance are available as secured or unsecured options, to support a wide range of needs. Whether you’re managing a looming VAT or tax bill, or simply want to smooth out cash flow, a short-term loan can provide immediate relief. Repayments are typically spread over up to 12 months, helping reduce financial pressure and maintain day-to-day operations. It’s a fast, efficient solution designed to give your business the breathing room it needs to thrive.

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VAT Deferrals

Instead of paying VAT upfront on your asset purchase, you can defer the payment for up to three months, helping to ease immediate cash flow. In some cases, we can also arrange to amortise the VAT over 12 months or even the full term of the agreement—supporting liquidity and providing a quick injection of working capital into your business.

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Balloon / Bullet Payments

A balloon or bullet payment is a flexible finance option that helps reduce your regular monthly repayments. By deferring a larger portion of the total cost to the end of the agreement (balloon) or a specific point during the term (bullet), you can manage cash flow more effectively while still accessing the assets your business needs to grow.

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Merchant Cash Advance

Merchant Cash Advance provides fast, flexible funding based on your card sales, making it ideal for businesses with strong daily transactions. Repayments are taken as a fixed percentage of future card revenue, meaning you pay more when you’re busy and less when you’re not. There’s no fixed term or APR, and approval is typically faster than traditional loans. This cash flow-friendly option helps cover short-term needs like stock, marketing, or expansion—without the burden of fixed monthly payments.

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Our Funding & Broker Partners

We work with a select panel of UK banks and other funder in the market to ensure we can provide you with the best the market has to offer. We compare rates, terms, advances and ease and speed of service when determining the right funding partner for our customers.

“I’m very grateful to Oli and Freddie at Mistral for how quickly this deal was put together, it’s the first time I’ve worked with them and am really impressed at how professionally things were handled. The vehicles are exactly what we need and of a very high standard so all round, I’m delighted with this new relationship.”

Alistair Bayliss, Bayliss Executive Travel Ltd.

“Mistral Asset Finance made the process of purchasing this Enviro 200 very quick and easy. This is the first time that we have financed a vehicle through Mistral and we are delighted with both the vehicle and the finance package provided.”

Alan Graham, Beeline Coaches Limited

“We are a new customer of Mistral’s and I would thoroughly recommend them and in particular, their salesman Graham Blades, whose attention to detail was obvious and this made the finance and delivery process seamless. The product itself is ideal for our operation and we are certain that this is the start of a long business relationship.”

Callum Donald, P1 Airport Parking Ltd

“Thanks to the team at Mistral for supplying the latest editions to the Red Rose fleet. Our customers and drivers have received the new Volvo MCV Evoras very well. The new vehicles match Red Rose’s ethos of reliability and are well presented. Thanks again.”

Taj Khan, Red Rose Travel Ltd

“It was a pleasure to deal with Oli at Mistral Asset Finance to secure the finance for this new vehicle. The process was made very easy and efficient by the whole Mistral team. We look forward to working with them again.”

Sam Regent, Director at Regent Coaches

“We are a new start business who wanted to purchase a new EVM, having tried many routes to obtain asset finance with no joy! We were put in touch with Barry Stevens at Mistral Asset Finance who completed the asset finance facility for us demonstrating total professionalism while getting to understand our business. We will be looking forward to work with Barry again in the near future.”

Hongyi He, Tripax Limited

“We had to move very quickly to purchase a few vehicles before our financial year end, we contacted Barry Stevens at Mistral Asset Finance, only giving him 3 days to notice to complete all transactions from various suppliers. Barry was very confident this could be done and true to his word he completed all the transactions with a day to spare. We are keen to collaborate with Barry again in the near future.”

Roy Hood, Contract Energy Management Ltd

“We had to move very quickly to purchase a used Mercedes EVM, Barry Stevens at Mistral Asset Finance completed the transaction in a couple of days, which was well above our expectations. We will definitely be using Barry again in the future.”

Vinnie Duff, First Choice Mini Bus Services Ltd

Barry Stevens

Business Development Manager – Bus and Coach

07951 213703

Charlotte Hindley

Sales & Operations Executive

01565 621881

Mark Wright

Business Development Manager

07800 999541

Contact Us

Get in touch with us today and a member of our team will be happy to assist with any queries.

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