Each bar is the total monthly finance cost if you add no new agreements. Green bars mark a step down — the month an agreement finishes and that cash comes back to you. This is the clearest guide to when you can afford the next vehicle without increasing total outgoings. Regular rentals only; the optional final payment on 868.65 is shown separately above.

One row per individual asset, showing the term of the agreement funding it — so a vehicle or trailer on a multi-asset agreement appears in its own right. The label is the registration or chassis/trailer number, with its ledger code and category (MV = Motor Vehicles, P&M = Plant & Machinery) beneath. Dark bar = paid so far, light bar = remaining term. Red dot = ends within 6 months. Ordered by end date, so what rolls off first is at the top; settled agreements are retained for audit completeness.

Asset identification is not final. Trailer numbers and registrations still have to be tied to these assets, so the labels here will change — several rows currently show a chassis number or a generic description because no internal trailer number has been matched to them yet. Once the fleet list is supplied, every row gets its proper identifier in the format [trailer number] – [chassis], and any asset that turns out to be mis-assigned between agreements will move. The financial totals do not depend on this; only the labelling and the per-asset split do.

For each of these: extend, refinance, settle early, or replace. A final lump sum is better known six months out than six weeks.

Deliberately left unpopulated. Capital outstanding is known, but equity needs a market value per asset, and book value from the asset register is an accounting figure rather than a resale price — publishing it as equity would misstate what a part-exchange or settlement would actually realise. Note the two sale & HP-back refinances (868.48, 868.62) fund no asset of their own, so they will always show a shortfall here; the assets they refinanced sit under their original agreements.

Two conventions, same agreements. Nominal rate is the actuarial rate on the balance you still owe (monthly rate × 12) — the true cost of the money and the right basis for deciding whether to refinance. Flat rate is total finance charges ÷ original advance ÷ years; it ignores that you repay capital throughout, so it always lands near half the nominal figure — and below half where a large VAT instalment falls early, because the average balance outstanding is then well under half the advance.

Asset finance lenders and brokers almost always quote flat. Both columns are shown so a lender conversation is like-for-like: if Aldermore calls 868.41 a 5.60% deal, that is this same agreement at 17.55% nominal — neither figure is wrong. Ranking barely changes between the two, so refinance priorities hold either way. Neither is a regulatory APR: the nominal figure does not compound monthly, and neither includes documentation or option fees. Finance charges are the whole-life cost of credit, summed from each schedule and reconciled to the signed documents; where a schedule bundles the option-to-purchase fee into interest it is included. 868.65 is a genuine 0% manufacturer deal — deposit plus 48 rentals plus the optional final payment equal the cash price exactly.

Deliberately left unpopulated. Settlement depends on each lender’s own interest-rebate rule and early-termination fees, which differ materially across the 13 lenders on this book — a single assumed rule would look authoritative and be wrong. Always work from the lender’s formal figure.

Concentration shows where you have leverage to negotiate as a portfolio rather than deal by deal — and where a single lender withdrawing appetite would hit several vehicles at once.