Why Peregrine Finance?
Experts in your field. We've been supporting businesses like yours for more than 25 years with our innovative solutions
All our staff have hands on experience of land based industry
In addition our entire team are fully FCA compliant and all have a minimum of 15 years experience in the financial industry.
When you come to us for finance you can be sure that you are in the safe, knowledgeable hands of one of our experts. We are immensely proud of our team and it's their personal and professional manner that has seen us build lasting relationships with many of our customers.
delivering local expertise
Covering the whole of the UK, our team has very strong links with the business communities it serves and understands the challenges your industry faces.
Our size gives us more buying power and access to better rates. How our unique relationships built over time benefits you;
A wider range of lending options thanks to the trust we have built up with our lenders
We have strong partnerships and funding lines with both UK and international banks
Blended lending means lower rates of interest on your finance solutions
Our Managing Director
Adam lives in rural North Yorkshire with his family where he enjoys country life. He founded Peregrine Asset Finance to serve the agricultural and rural community, providing a one stop shop for all their asset finance needs. Peregrine Asset Finance has now grown to be the market leader in the rural sector.
- Background steeped in agriculture
- BSc’s in Land Management and Economics & Agriculture
- Career progression within the banking industry before founding Peregrine Asset Finance Ltd
- Proud to live and work in the community that Peregrine Asset Finance serves
- It’s in our blood
Our track record as one of the UK's largest independent asset finance providers speaks for itself
Trading at the forefront of the asset finance industry
All our staff are fully FCA compliant
12 leading industry awards in the last 10 years
Turnover a year
Independent finance providers
We pride ourselves on our modern approach to meeting customer requirements through a responsive, professional service that is supported by industry leading technology.
Use the sections below to find out more about your rights and how we work with your information.
- Fair processing
- Complaints procedure
- Anti bribery
- Anti money laundering
- Treating customers fairly
"Peregrine Finance" is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
"Peregrine Finance" may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.
What we collect
We may collect the following information:
- name and job title
- contact information including email address
- demographic information such as postcode, preferences and interests
- other information relevant to customer surveys and/or offers
What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
- Internal record keeping
- We may use the information to improve our products and services
- We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided
- From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Controlling your personal information
You may choose to restrict the collection or use of your personal information in the following ways:
- whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
- if you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at firstname.lastname@example.org
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please email email@example.com or write to 3 Maple House, Wykeham Road, Northminster Business Park, Upper Poppleton, York, YO26 6QW.
If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.
Important: Where we obtain information about you from and how we use it
We may monitor and/or record our telephone conversations with you.
Our records & credit reference agencies:
When considering your application we will search records held by the Peregrine Group and your records at credit reference agencies (CRAs) who will give us shared credit information, fraud prevention information, and public information (such as details of County Court Judgments, bankruptcies and information from the electoral register).
The information CRAs give us about you may already be linked to information about someone else you have had a joint account or similar financial association with, including members of the same household. By submitting an application you confirm that their finances will not affect our decision. We will check this and may turn down the application if we find it is inaccurate.
You must be sure that you are entitled to reveal information about your business partners, including your company directors (if you have any) and authorise us to use their information in the same way as your information, as described below.
How your information will be used
We will check your details with fraud prevention agencies (FPAs). If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.
We may also share your information (and information about any joint applicant) with CRAs. This information remains on the CRAs' files for 6 years after the account is closed (whether settled by you or upon default).
Whether or not your application proceeds, the CRAs will add to your record details of our searches and your application. This record (but not our name) will be seen by other organisations when you apply for credit in the future. A large number of applications within a short period of time could affect your ability to obtain credit.
We will also add to your record with the CRAs details of your business' agreement with us, the payments your business makes under it, and any default or failure to keep to its terms.
An 'association' between joint applicants (between you and your business partner, for example) will be created at CRAs. This will link your financial records, each of which will be taken into account in all future applications by either or both of you. This will continue until one of you successfully applies to the CRAs to have the association removed.
Use of FPAs & CRAs information:
The information held by the FPAs and CRAs will be disclosed to us and other organisations (in the UK and in other countries) to, for example:
prevent fraud and money laundering by checking details on, for example, applications for credit and credit-related or other facilities, proposals and claims for all types of insurance and job applications and employee records;
The Financial Conduct Authority is the independent regulator of financial services. The Financial Conduct Authority require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint and details about the Financial Services Compensation Scheme.
Who are we
Peregrine Finance is a trading style of Peregrine Asset Finance Ltd who are regulated by the Financial Conduct Authority.
What services do we provide
We will provide you with either comparable details of firms most appropriate to your lending or purchase requirements or general information relating to finance products. In assessing your requirements we may seek such information about your personal circumstances and objectives as might be relevant in order to enable us to identify your needs. It is important that you provide us with accurate and relevant information. You will not receive advice, or a recommendation from us, but we may ask questions to narrow down the selection of firms offered, from which you can more easily make your own choice if you so wish.
Whose products do we use
As a Financial Conduct Authority regulated credit broker we can introduce you to a range of lenders who may be able to help you finance your vehicle and provide other products/services.
Do we charge for our services
No, we do not charge fees for our broker related services. We are a commission based organisation which means that we may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with us. These fees may be variable or pre-set dependent on the product and the volume that we place with the chosen supplier.
Who regulates us
Peregrine Finance is a trading style of Peregrine Asset Finance Ltd who is authorised and regulated by the Financial Conduct Authority. Our FCA reference number is FRN649227. You can verify this on the Financial Conduct Authority's Register by visiting the Financial Conduct Authority's website: http://www.fca.org.uk/register/ or by contacting them on 0300 500 8082.
Other services we offer are not regulated by the Financial Conduct Authority however the Financial Ombudsman Services has now been extended to handle some complaints under the Consumer Credit Act.
It is the aim of Peregrine Finance to provide a very high standard of service to every client. It is important to us that all complaints are resolved as quickly as possible and to the complete satisfaction of our clients.
This procedure explains how we will deal with any complaints. It also tells you what you can do if you think your complaint has not been resolved to your satisfaction.
If you have a complaint
If you have a complaint about any aspect of our service then we would like to hear from you. You can contact us by telephone or in writing and your complaint will be resolved by the appropriate person in the shortest possible time. To help us to investigate and resolve your concerns as quickly as possible, you should in the first instance contact the department with which you have been dealing.
We will try to resolve your complaint immediately; however, sometimes, this may not be possible. In the unlikely event that we are not able to resolve your complaint by the end of the next business day, we will keep you informed of the progress of our investigations and provide our final response in writing providing our findings and the action to then take.
Letter - Timing
Initial response letter - Promptly: by the next working day unless there are exceptional circumstances.
Final response - By end of the eighth week after the receipt of the complaint in all cases, but sooner whenever possible. If, exceptionally, a full response is not possible by this time Peregrine Finance will send out a holding letter explaining why it has not been able to issue a decision within the above time frame and when it expects to be able to provide a decision.
To register a complaint contact us by either:
calling us on 01904 405299
or write to us at
3 Maple House, Wykeham Road, Northminster Business Park, Upper Poppleton, York, YO26 6QW
If you have a regulated contract with us and are not satisfied with our final response, you may be eligible to refer the matter to the Financial Ombudsman Service. You must do this within six months of our final response. When we send you our final response, we will also provide you with a copy of the Financial Ombudsman Service's explanatory leaflet.
Financial Ombudsman Service
Peregrine Finance will co-operate fully with the Ombudsman in resolving any complaints made against it and agrees to be bound by any awards made by the Ombudsman.
Address: The Financial Ombudsman Service, Exchange Tower, London E14 9SR
Tel: 0800 023 4567 (free for most people ringing from a fixed line) or 0300 123 9123 (cheaper for those calling using a mobile) or +44 20 7964 0500 (if calling from abroad)
If you have any questions in relation to our Complaints Handling Procedure, please contact us in writing at the address on the contact page of our website.
Peregrine Statement of anti-bribery:
The Financial Conduct Authority places a responsibility on all regulated firms to make sure that the firm cannot be used to further financial crime including bribery that is also subject to the Bribery Act 2010. The Board of Directors of Peregrine is committed to doing business ethically, with the highest standards of integrity, and expects its employees, self-employed ‘advisers’ or ‘consultants’ and business partners to work to these standards.
Among the most significant laws and regulations that govern Peregrine's operations are those that prohibit the payment or receipt of money, or gifts and hospitality of value, in order to receive an undue commercial benefit or personal advantage. Such behaviour, notwithstanding the requirements of The Bribery Act 2010 is a clear violation of the Peregrine's code of business conduct.
The Bribery Act 2010, which came into force on 1st July 2011, sets out the circumstances in which individuals may commit an offence of bribery. Generally, these are:
- Offering a bribe
- Promising to pay a bribe
- Giving a bribe
- Asking for a bribe
- Agreeing to receive a bribe
- Receiving a bribe
In these cases a bribe is a payment (or other advantage) given to a person with the intention that they will act in an improper way. For example, to encourage someone to award a contract to one firm over another or to overlook matters such as poor credit history when giving advice. It is also an offence to give, offer, promise, ask for, agree to receive or receive a payment as a reward for improper acts that have already happened. It doesn’t even matter if the person who carried out the improper act understood that it was improper at the time. Finally, it would also be an offence to act in an improper way if you thought you might receive anything, even if it hasn’t been offered, and you haven’t asked.
We have a zero tolerance approach to bribery. Peregrine forbids its employees, partners and introducers from making or accepting any bribe or kickback intended to secure favoured treatment for or from Peregrine or any customer or supplier of Peregrine outside what would be considered a normal and appropriate expression of business courtesy.
This statement and Peregrine's Anti-Bribery Policy were developed at the direction of Peregrine's Board of Directors to provide clear guidance to all employees, partners and introducers to ensure a consistent approach to business practices throughout the company.
Every Peregrine employee, partner and introducer is responsible for carefully reading and understanding this statement and the Anti-Bribery Policy and strictly complying with every aspect of their requirements. The Firm is committed to supporting regulators and law enforcement officers in the prevention of bribery and other financial crime.
Board adopted policy statement in respect of anti-money laundering (AML)
What is money laundering?
Money laundering includes all forms of handling or possessing criminal property, including possessing the proceeds of one’s own crime and facilitating any handling or transfer of criminal property for another person including the proceeds derived from any act of fraud, bribery or corruption. ‘Criminal property’ includes money or money’s worth, securities, tangible and intangible property; including the receipt, handling and transfer of funds derived from criminality.
A simplified view of an effective money laundering operation involves three stages:
- Placement of physical cash (e.g. in a bank account)
- Layering - by using funds from the bank account and undertaking multiple transactions which confuse the audit trail and separate the money from its origin
- Integration of laundered proceeds into the legitimate economy so that it appears to be legitimate by being presented as normal business funds
For the purpose of this Guidance, money laundering also includes activities relating to terrorist financing, including handling or possessing funds to be used for terrorist purposes, as well as proceeds from terrorism.
Peregrine is not prepared to allow its employees and its business facilities to be used by money launderers in the disposal of the proceeds of crime and is committed to compliance with all applicable money-laundering and related legislation and regulation. It will further require that all employees, partners and introducers of Peregrine adhere to this policy and comply with all procedures introduced in connection with this policy.
At Peregrine Finance we are committed to giving you excellent customer service and treating you fairly. We are fully committed to providing the highest standards of client service and advice and we never forget that you have a choice of supplier and are grateful that you've chosen us.
Treating Customers Fairly (TCF) is one of the key principles set by the Financial Conduct Authority to ensure fair treatment of customers, by improving standards across the financial industry.
As a part of this, Peregrine Finance follows the relevant aspects of the Financial Conduct Authority's six guiding principles on how to engage with our customers. These are known as the 'Treating Customers Fairly' principles and govern how we communicate with customers, the level of service we provide and the fairness of our products and procedures.
The six principles for treating customers fairly
- Outcome 1: Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture
- Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly
- Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale
- Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances
- Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect
- Outcome 6: Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint
Ways we meet these requirements in the day to day running of our business
We continually aim to understand the needs of our clients
We ensure that the marketing of our products is appropriately targeted, clear, not misleading and highlights the risks/conditions as well as the key features/benefits of a product.
We make certain our clients understand the risks associated with our services at the outset of an instruction.
We keep our clients fully informed in a clear and fair manner that is unambiguous and not misleading.
We ensure our services are delivered with clarity and transparency and do not contain hidden conditions or rely on complex technical definitions.
Any advice provided will be appropriate and take into account the customer's individual needs and circumstances.
We take our clients' privacy seriously and ensure that our staff are aware of and follow rules in relation to data protection to ensure that clients' details are kept secure and confidential.
We take any complaint seriously and will deal with any complaints promptly and make improvements to our operations where required.