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Game developer

Take your Game Development Career to the Next Level

Game developer

The gaming industry is a highly diverse and dynamic environment, making it a very exciting sector to work in. But if you run a small game development studio, you’re probably wondering how you can take your business to the next level, expanding your operations and the titles you’re able to produce. It used to be that acquiring finance in the gaming industry would be a difficult task to pull off, but that’s no longer the case. As such, what should be even more astonishing is the ever-increasing range of finance solutions that are now available to you, including Asset Finance. So if you’re look to gain access to vital equipment, machinery or software without negatively affecting your finances, here’s what applying for Asset Finance has to offer.

Hire Purchase

If you’re to acquire valuable equipment for your business and eventually gain ownership, applying for a Hire Purchase solution could help. Hire Purchase functions by the lender first purchasing the equipment you require from a supplier on your behalf. However, before you can gain access it, you need to pay an Initial Deposit to the lender. This should account for 10% of the equipment total purchasing price, including VAT (which could be reclaimed on a quarterly basis when you free efile taxes online). As soon as this has been paid you’ll be able to begin using the equipment in your studio, whilst making fixed monthly repayments throughout the agreed term, plus interest. This essentially means spreading the overall cost of the equipment over a period of time, usually between 12 – 72 months. Once you’ve settled all relevant payments to the lender, ownership of the equipment is transferred to you.

Leasing

On the other hand, if the equipment that your game development studio requires quickly depreciates or you need it on a temporary basis, applying for a Lease might be a more cost-effective alternative. Leasing enables you to borrow essential equipment over an agreed term that can last up to 5 years. But, if the equipment is particularly expensive, some lenders may allow you to extended the agreement to 7 years. During this time, you’re required to make fixed monthly rental payments, plus interest. This is calculated by taking into account the equipment’s purchase price and its predicted worth when the agreement matures. Once the agreement has matured, you can choose to either return the equipment, extend the term or upgrade to another model.

Asset Refinance

If you own valuable personal or business assets (equipment, machinery or vehicles), you can release up to 100% of the equity they contain in order to generate a lump sum by applying for Asset Refinance. During the course of the agreement, you’ll be required to make fixed monthly repayments to the lender over an agreed term that can last up to 5 years, plus interest. Plus, although this does mean temporarily handing ownership of the assets involved to the lender, you can continue using them without any interference, providing you keep up with the repayment scheme. And as soon as the agreement matures with all relevant payments settled, ownership of the assets involved is returned to you.

Need help taking your game development studio to the next level?

Although you may have no shortage of ideas for your game development studio, you also need to ensure that you have all the necessary support for turning them into reality. Whether this means acquiring additional computer terminals, essential engine programs, design software or raising capital for any other aspect of your business, exploring how Asset Finance can help might be the key to your short and long-term success. But in order to make an informed decision  and find a suitable agreement, speaking with a qualified business finance expert could prove invaluable. There are a range of reputable finance experts offering you.