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Worktools

Apple & Microsoft Hardware Leasing

Business Leasing from Worktools is an easy and effective way for you to to manage the cost of your IT estate. 


Avoid large upfront costs, keep equipment always within warranty, save your Capital Investment Allowance and acquire new equipment steadily as your business grows.


How Leasing Works...

Step 1

Choose your equipment 


Choose between "Lease and Return" or "Lease and Keep" and checkout using our online store.


If you change your mind during the agreement don't worry, we can usually accommodate this.


Important note regarding insurance 


Customers should be aware that all hardware that is leased or financed must have adequate business insurance in place for the full term of the agreement. Your business may already have the necessary insurance policies in place but if not, Worktools has partnered with https://www.compucover.co.uk/ to provide low-cost cover that can be added directly to your lease/finance agreement. 


Please speak to one of the team if you feel this may be of interest.


Step 2

Verify your business bank account.


Instead of sending us old fashioned bank statements, Worktools has partnered with oohMoolah to use Open Banking (https://www.openbanking.org.uk/) to verify your company bank account.


You simply sign into your company’s online banking and confirm Worktools is authorised to view the necessary banking information. If you’ve ever connected your Bank to your accountancy software, this is the same idea.


What if my bank is not listed? 


Open Banking is still quite a new thing in the industry and not all banks support it yet. If yours is not there, don't worry, but we will need you to email us statements from the last 90 days.


Step 3

Personal ID Verification


After we've verified your company, we'll need to verify you as an authorised representative of the company. This also helps us meet our obligations to the Financial Conduct Authority (FCA) who require Worktools to conduct "Know Your Customer" (KYC) and "Anti-Money Laundering" (AML) checks on any leasing or finance application made over the Internet. 


You will receive a link by email from Onfido asking you to share an official document (e.g. Passport) and a selfie with us.


Step 4

We submit your application to the Underwriters


We will then speak with the financial underwriters and submit your application to them. If you haven't been trading for that long or don't yet have any company accounts submitted to companies house, the underwriters may ask for additional information such as: 


a) A personal guarantee from a company Director who is also a homeowner 

b) Proof of investment by a 3rd party in the business 

c) Client contracts that show a level of secured income that would support the finance application. 

In most cases one of the above will be sufficient. If you think you will need to provide additional information, do let us know as soon as you can to make the process as swift as possible.


Step 5

Sign Contracts and set up Direct Debit


Depending on your order size and value this may be e-signatures or sometimes sadly snail-mail!


Step 6

Schedule Delivery and Installation


We will agree with you a suitable date to arrange delivery. This will be done in person by one of our team who will be able to assist you with any initial set up and configuration if you request it.


FAQs

How long does this take?

It can be as quick as 3 or 4 days, but it will depend on your specific application. Custom hardware configurations will generally always take a little longer.

Can I lease personally and not through my company?

Unfortunately we can only help with leasing to business customers at present.

What happens at the end of the 12, 24 or 36 month term?

You have a choice...


If you have a Lease and Keep agreement you can simply keep the devices and walk away. Or you can trade-in your device for its market value and take out a new agreement.


If you have a Lease and Return agreement, you will be able to get a quote to buy the devices outright 90 days before the end of agreement. Or you can hand them back and walk away, or you can exchange them for the latest devices with a new contract.

Can I trade in my existing devices?

Yes! Just let us know what you have and we will give you a trade-in price for them.

Do I need to have insurance?

Yes! Customers should be aware that all hardware that is leased or financed must have adequate business insurance in place for the full term of the agreement. Your business may already have the necessary insurance policies in place but if not, Worktools has partnered with https://www.compucover.co.uk/ to provide low-cost cover that can be added directly to your lease/finance agreement.