Asset Supply
& Finance — Conventional
Buy. Sell. Fund. Use. Refresh. Realise.
Productive assets need more than purchase finance. TFSEG connects the business that needs the asset, the supplier that sells it and the capital that funds it—then structures the asset’s productive life, payment, protection and eventual exit.
Everybody wants the deal.
Something is missing in the middle.
The buyer needs productive capacity. The seller wants to close the sale. Capital wants a qualified, secured receivable. TFSEG connects all three through one coordinated asset-supply structure.
“I need the asset, but…”
A large deposit, a short repayment term or uncertainty about disposal can make an otherwise productive purchase difficult.
“My customer wants it, but…”
Customers defer purchases, reduce specifications or ask the dealer to finance the transaction.
“I can fund it, but…”
Credit quality, asset condition, security, monitoring and a credible end-of-term exit all need to be understood.
Origination · Qualification · Procurement · Payment · Monitoring · Residual value · Exit
Same asset.
Four ways to pay for it.
The structure determines how much of the asset’s value is paid during its first productive life—and what happens to any underwritten residual.
Own it outright.
Repay 100% of the financed amount across the selected term. No residual and no final balloon payment.
Own it in two stages.
Pay for the first-life portion during the primary period, while servicing the residual’s financing carry. Then repay the residual over a secondary period.
Keep your options.
Amortise first-life value while servicing the financing carry on an underwritten residual.
Pay for first-life value.
Amortise the first-life portion without primary-period financing carry on the separately capitalised residual. Residual-capital approval is required.
TFSEG sets any residual against asset-specific secondary-market evidence. Not every asset qualifies for a residual-based structure.
Change the asset.
See all four structures re-price.
Enter your asset cost, quantity, deposit, rate and term. The calculator follows the supplied TFSEG model and displays indicative figures in Kenyan shillings.
Asset supply quotation
01 / Your asset programme
The residual is set by TFSEG, not by the customer. Actual eligibility and residual percentage require asset-specific underwriting.
Monthly payment comparison
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Primary-period payment
Secondary-period payment
No balloon after the secondary period.
The workbook capitalises the separately funded residual to maturity. This amount is not the same as today’s residual value.
Monthly payment if the end-of-term commitment is settled through the modelled 24-month extension.
Compare the payment architecture.
Bank and lease figures are modelled at the same applied financing rate for comparison only. They are not quotations from a bank or lessor.
| Structure | Per unit / month | Payment period | At the end |
|---|---|---|---|
| TFSEG OWN | — | — | Title transfers on final instalment. |
| TFSEG OWN LATER | — | — | Secondary period follows; then own outright. |
| TFSEG FLEX | — | — | Buy, extend, refresh or realise under agreed terms. |
| TFSEG ACCESS | — | — | Committed buy or extension; realisation subject to terms. |
| Illustrative bank finance | — | — | Asset ownership under assumed bank terms. |
| Illustrative lease finance | — | — | Settle modelled 5% lease residual or return on lessor’s terms. |
Per unit, per month. A lower primary-period payment is not a discount: value remains in the asset or its end-of-term commitment.
What happens when the asset is sold?
Change the expected sale price and costs to explore the modelled FLEX and ACCESS settlement outcomes.
Illustrative waterfall only. Actual realisation fees, surplus sharing, costs, taxes, reserves and customer obligations are transaction-specific and subject to documentation. Sale proceeds and surplus are not guaranteed.
Important: Indicative calculations only, not an offer or credit approval. Figures follow the supplied model’s assumptions, including a 5% supply margin and 12.25% annual rate floor. Bank and lease examples use a modelled 2.5% arrangement fee; the lease example assumes a 5% residual. The 30% TFSEG residual is illustrative and must be supported by market evidence. ACCESS requires separate residual-capital approval. Actual documentation, pricing, security, tax treatment and eligibility govern each transaction.
Ten steps.
One coordinated transaction.
Each party does what it does best, from asset selection through delivery, operation and exit.
Buyer chooses
Specification, quantity, supplier and productive use.
TFSEG qualifies
Buyer credit, asset eligibility and market evidence.
Seller quotes
OEM or dealer quotation is reviewed for the programme.
Structure selected
OWN, OWN LATER, FLEX or ACCESS, with an appropriate term.
Capital approves
Funding partner applies its own underwriting requirements.
OEM delivers
Supply, registration, conversion or commissioning as applicable.
Buyer accepts
Inspection and acceptance establish the relevant payment obligation.
Seller is settled
Payment follows acceptance under agreed programme terms.
Buyer operates & pays
Scheduled payments go to the designated collection account.
Lifecycle is managed
Monitor, maintain, revalue, prepare the market and execute the exit.
Built for the buyer.
Connected to the seller and capital.
Get the asset. Put it to work.
Explore a payment structure matched to the asset’s productive life and, where supported, its residual value.
- Access productive capacity following delivery and acceptance.
- Low or nil deposits may be available, subject to approval.
- Consider 36-, 48- or 60-month main terms.
- Understand the end-of-term outcome before signing.
Sell the asset. Keep the customer.
Offer a structured monthly payment alongside the cash quotation without becoming the customer’s financier.
- Present a structured route for eligible quotations.
- Agree eligible models and cash prices.
- Receive settlement under agreed acceptance terms.
- Retain warranty, servicing, parts and refresh opportunities.
Finance a controlled lifecycle.
TFSEG coordinates origination, procurement, monitoring and exit while funders retain their own credit approval.
- Qualified obligor and accepted contractual receivable.
- Payment direction and agreed collection controls.
- Asset security, insurance and maintenance requirements.
- Residual underwriting and remarketing where applicable.
The asset must earn
the right to be financed.
Eligibility depends on productive use, credit, asset economics and, for residual-based structures, credible secondary demand.
Mobility
Cars, vans, trucks and buses.
Agriculture
Tractors, harvesters and irrigation.
Construction
Excavators, loaders and plant.
Manufacturing
Machinery and production lines.
Healthcare
Diagnostics and medical equipment.
ICT
Enterprise hardware, servers and devices.
Energy
Solar, storage and productive power.
Warehousing
Forklifts, cold chain and handling.
Mining & infrastructure
Where asset economics support the structure.
Some installed or specialist assets may be suitable for extension rather than an assumed resale exit.
The exit starts
before we buy the asset.
Residual value is underwritten against a market and managed throughout the term—not discovered for the first time at maturity.
Underwrite
Assess comparable sales, market depth, buyer categories and resale demand.
Protect value
Monitor use, maintenance, insurance, condition and service history.
Build demand
Develop the secondary buyer book and explore qualified offers.
Execute the outcome
Complete the agreed buy, extension, refresh or realisation process.
WH Auctioneers and WH Global Disposal Partners are identified in the programme materials as part of the residual intelligence and remarketing approach.
Understand the structure
before you commit.
What is the difference between OWN and OWN LATER?
OWN repays the financed amount across one term. OWN LATER separates the first-life portion and residual into primary and secondary payment periods, with ownership completed after the secondary payments.
Does FLEX have a residual payment?
FLEX retains an underwritten residual while its financing carry is serviced during the primary term. The applicable buy, extend, refresh or realisation outcome is governed by the agreed documentation.
Is ACCESS the same as paying less for the asset?
No. ACCESS reduces the modelled primary-period cash requirement by separately capitalising the residual without charging its financing carry during that period. The residual remains an end-of-term commitment. ACCESS also requires residual-capital approval.
Can I select my own residual percentage?
No. TFSEG underwrites any residual using evidence about the asset and its potential secondary market. The calculator uses the workbook’s illustrative 30% assumption; an actual transaction may use another approved residual or none.
Are the bank and lease figures actual lender quotations?
No. They are mathematical comparisons at the same modelled financing rate and with the workbook’s assumed fees and lease residual. A bank or lessor may offer different terms.
Does structured supply guarantee a particular accounting or tax outcome?
No. Accounting, tax, leverage and covenant treatment depend on the executed agreements and applicable requirements. Customers should review those matters with their own advisers and auditors.