Revolutionize asset finance calculations
Freehand is the must-have finance calculator for the asset finance industry, created to handle new business quotation calculations, verify and adjust submitted quotes, and review the performance of existing agreements. Seamlessly integrate this efficient calculator across your business for peak performance.
The UK's industry standard for asset finance pricing calculations
Freehand is the go-to solution, trusted by industry leading organizations, popular with users, and backed by decades of industry experience. It handles a high volume of calculations monthly, ensuring precise and consistent results for complex repayment profiles and early settlements in asset finance pricing calculations.
Calculations per month
Freehand calculations support thousands of calculations globally every month.
Active users
Providing brokers and lenders consistency across the front, middle and back-office.
Years presence
The asset finance industry’s go-to tool for performing new business quotation calculations.
Customers
The asset finance industry’s go-to tool for performing new business quotation calculations.
Benefits
Reduce complexity of asset finance calculations
Scope of asset calculations
Pricing calculations for finance lease, operating lease, hire-purchase, loan, pre/post-tax, structured repayments, commissions, early settlements, refinancing, and more.
Easy to use interface
Freehand Web comes with an easy to use interface, can have custom branding applied, and utilize personal calculation settings.
Available as an API
Freehand's cloud-deployed API makes the powerful Freehand engine accessible from any location and seamlessly integrates into any system.
Three in one solution
Access Freehand pricing calculations based on your needs through Desktop, Web, and Connect through a clear subscription model.
Unmatched accuracy for all asset finance calculations
Support complex financial models with the industry’s favorite tried-and-tested solution to achieve 100% accuracy in your asset finance calculations.
Fully featured calculator
Perform complex and customizable agreements to meet all needs of different asset finance businesses.
Web-based accessibility
Perform calculations anywhere with a browser-based front end, whether in the office or out with a client.
Cloud-deployed API solution
Access the power of Freehand’s engine from any location and integrate seamlessly across your IT estate.
Highly flexible and agile system
Support over 200 input and 350 output variables with the industry’s go to standard solution.
Unrivaled asset calculations for finance brokers and lenders
Freehand provides you with consistent, reliable pricing calculations, available as a cloud-deployed API to provide access across your IT estate.
Freehand desktop
Freehand web
Freehand connect
Consistent calculation
Windows desktop application
• Annual subscription
• Windows desktop access
• HP, lease & loan
• Complex repayment profiles
• Commissions
• Balloon payments
• VAT deferral
• User-specific settings
• Exportable payment data
Instant access via web browser
• Monthly or annual subscription
• Web browser access
• HP, lease & loan
• Complex repayment profiles
• Commissions
• Balloon payments
• VAT deferral
• User-specific settings
• Exportable payment data
API access within IT infrastructure
• Annual subscription
• API access
• HP, lease & loan
• Complex repayment profiles
• Commissions
• Balloon payments
• VAT deferral
• API templates
Brokers can quote with confidence
No matter if you are using Freehand desktop, web, or connect, you can be confident that brokers have access to a calculation engine that is the same as the lenders with no inconsistencies.
Technology
Advanced technology for asset finance calculations
The next-gen solution for all your asset finance needs
Explore
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FAQs
Find answers to our most commonly asked questions about SBS Wholesale Servicing.
What types of financial agreements and calculations does SBS Freehand support? + –
It covers a wide scope: finance lease, operating lease, hire-purchase (HP), loans, pre/post-tax structures, structured repayments, balloon payments, commissions, VAT deferral, early settlements, refinancing, and custom profiles. With over 200 input and 350 output variables, it handles complex models for automotive, equipment, marine, yellow goods, and other asset classes.
Who typically uses SBS Freehand? + –
Finance brokers, lenders, captives, OEM finance arms, and asset finance specialists in the UK and beyond. It’s embedded in workflows for new business origination, quote verification, agreement reviews, and performance analysis—ensuring alignment across sales, credit, and operations teams.
What makes SBS Freehand the industry standard in 2026? + –
With 30 years of presence and continuous updates, SBS Freehand processes over 10,000 calculations monthly with 100% accuracy across all asset finance calculation types.
Which deployment option is best for my organization? + –
Choose Desktop for traditional Windows-based operations, Web for flexible browser-based access, or Connect for seamless API integration into your existing systems.
How does SBS Freehand ensure calculation consistency? + –
All three deployment options use the same calculation engine, guaranteeing identical results whether accessed via desktop, web, or API in 2026.
How accurate are SBS Freehand calculations? + –
SBS Freehand is a tried-and-tested calculation engine with over 30 years of industry use. It is trusted to deliver precise and consistent results for complex repayment profiles and early settlement scenarios, helping ensure 100% calculation accuracy.
Can users personalize their calculations? + –
Yes. SBS Freehand allows user-specific settings and preferences, helping users tailor calculations to their business requirements while maintaining consistency and accuracy.
What subscription models are available? + –
Desktop and Connect: Annual subscriptions.
Web: Monthly or annual options.
Clear, predictable pricing with no hidden fees—focused on value through accuracy, consistency, and integration flexibility.
Is SBS Freehand available online? + –
Yes. SBS Freehand is available as a web-based solution that can be accessed through any browser, allowing users to perform calculations anywhere – whether in the office or with a client.
Why choose SBS Freehand over other calculators? + –
Unlike generic tools, SBS Freehand is purpose-built for asset finance complexity, with 30+ years of industry validation, high accuracy (100% in tested models), multi-format access, and seamless API integration. It eliminates calculation inconsistencies, speeds up quoting, and supports regulatory/compliance needs in structured finance.