Computer Says No.
Martin Mackenzie · · Asset Finance
Martin Mackenzie reflects on automated decision making in banking and finance.
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Read full article →Can You Finance a Private Sale Purchase? Yes.
Alana Mackenzie · · Asset Finance
Alana Mackenzie explains how asset finance works for private sale purchases in Scotland.
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Read full article →Where Does Mackenzie Commercial Finance Cover?
Martin Mackenzie · · About MCF
Martin Mackenzie explains exactly where MCF covers.
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Read full article →Why Accountants Refer Clients to Asset Finance Brokers
Alana Mackenzie · · Industry Insights
Alana Mackenzie explains the scenarios where an accountant working with business clients might find it genuinely useful to introduce them to a specialist asset finance broker, and how those introductions work in practice.
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Read full article →Case Study: £150,000 Asset Refinance for a Moray Manufacturing Business
Martin Mackenzie · · Case Study
In our first full month of trading, Martin Mackenzie helped a Moray manufacturing business raise £150,000 through asset refinance, consolidating costly short-term facilities into a single structured agreement and restoring the working capital the business needed.
Specific company name and asset descriptions are not disclosed in order to protect client confidentiality. By executing a £150,000 unencumbered asset refinance facility on existing production machinery, a Moray-based manufacturing company successfully restructured costly short-term debt and restored the working capital the business needed to operate and grow. Why do manufacturing firms face cash flow crunches when capital is tied up in machinery? A manufacturing business based in Moray had accum…
Read full article →Can I refinance my van?
Martin Mackenzie · · Refinance
A question that comes up often when speaking to customers across Scotland. The short answer is yes.
Yes, if your van is owned outright or has an existing finance agreement, a lender can advance funds against its value, putting cash back into your business while you continue using the vehicle as normal. It is a question that comes up often during our discussions around refinance when speaking to customers and prospects across Scotland. In fact, it came up on the phone today whilst speaking to a joiner from Inverness who explained that he faces cashflow pressure because he has to buy materials …
Read full article →Why Should I Use a Broker?
Martin Mackenzie · · Asset Finance
Martin Mackenzie draws on twenty years of banking and asset finance experience to explain the options available to businesses when financing an asset.
Using an independent asset finance broker instead of going direct to a bank gives Scottish businesses access to over 120 lenders, broader credit criteria, and a specialist who structures proposals to give you the best possible chance of approval, at no cost unless a deal completes. Martin Mackenzie has spent over twenty years in financial services and banking, the majority within major UK institutions including Bank of Scotland, Close Brothers Asset Finance and Highland Credit and Leasing Servi…
Read full article →Case Study: New Van Finance for an Evanton Engineering Business
Alana Mackenzie · · Case Study
An engineering business near Evanton came to us frustrated after trying to arrange van finance online. Alana Mackenzie arranged a hire purchase agreement on a new Maxus with a VAT-only deposit, a payment that worked for the business, and zero upfront cost to engage with us.
Client details are kept confidential. Business type and general location are shared with client permission. An engineering business near Evanton came to Mackenzie Commercial Finance after a frustrating experience trying to arrange van finance online, and left with a hire purchase agreement on a new Maxus, a payment that worked for the business, and zero upfront cost to engage with us. Why do online lenders make van finance so difficult for small engineering businesses? The business had spent ti…
Read full article →We're Open: Mackenzie Commercial Finance is Now Trading from Inverness
Martin & Alana Mackenzie · · News
After a lot of planning, Martin and Alana Mackenzie are officially open for business in Inverness, bringing local, personal commercial finance brokerage to businesses across the Highlands.
Mackenzie Commercial Finance is officially open for business in Inverness, giving Highland and Scottish businesses direct access to over 120 lenders and a locally based specialist who will visit you in person. Who are Mackenzie Commercial Finance and what makes them different? We are Martin and Alana Mackenzie. Between us we have spent years in commercial finance and the legal sector, and we started MCF to do it the way we always thought it should be done, properly, locally, and with our custom…
Read full article →Why I Finally Became a Business Owner
Martin Mackenzie · · News
After years of working in asset finance for banks and others, Martin Mackenzie explains why he took the leap to set up Mackenzie Commercial Finance, and what that means for businesses across the Highlands.
After over twenty years in banking and commercial finance, working as a sales manager within major UK institutions and preparing credit proposals for business clients, I have taken the decision to do what every one of my customers had already done, and become the owner of my own business. What better way to properly understand and relate to what customers are going through, than being a business owner myself. So, along with my wife and now business partner Alana Mackenzie, we have set up Macke…
Read full article →Could Your Asset Finance "Expert" Actually Operate Your Digger?
Martin Mackenzie · · Asset Finance
A day at the Nairn Show, a £5 hook a duck, and an honest question about what asset finance firms mean when they call themselves industry experts.
Most asset finance firms claim to be "industry experts" in construction, agriculture, or haulage, but the expertise that actually gets Scottish businesses the right deal is expertise in finance, not in operating the equipment. I took the family to the Nairn Show at the weekend. If you have never been, it is one of those days that Highland summers are built for: cattle and sheep being judged, vintage tractors doing a slow lap of the main ring, marquees full of baking and handicrafts, and several…
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