Acquire the equipment, vehicles and machinery your business needs — and spread the cost — without tying up working capital.
Asset Finance
TYPES OF FUNDING
Get the kit now, spread the cost
OVERVIEW
From a single machine to a full fleet, asset finance lets you invest in growth while keeping cash in the business. You can also release equity from assets you already own. We support funding for a wide range of business-critical assets—from vehicles and machinery to technology and specialist equipment—across sectors including manufacturing, logistics, construction, healthcare, and professional services.
OPTIONS
Ways to finance assets
Own the asset at the end of the term
Hire Purchase
Spread the cost of an asset over fixed monthly payments and take full ownership once the agreement completes.
Fixed monthly cost
Deposit [varies]
Own at term end
BEST FOR
✔ Long-life equipment and machinery
✔ Vehicles and plant
Finance Lease & Refinance
Use assets, or release cash from owned ones
Lease assets without large upfront outlay, or refinance equipment you already own to unlock capital for growth.
Release equity
Flexible end options
Low upfront cost
BEST FOR
✔ Preserving working capital
✔ Unlocking value from owned assets
What is Asset Finance?
Asset finance allows businesses to acquire the equipment, vehicles, machinery, or technology they need without making a large upfront investment. Instead, the cost is spread over an agreed period, helping preserve cash flow and working capital.
Businesses can also use asset refinance to release capital tied up in assets they already own. By using existing assets as security, asset refinance can unlock funds that can be reinvested into growth, operations, or other business priorities.
In most cases, the lender retains ownership of the asset until the agreement is completed, while the borrower may contribute an initial deposit depending on the funding structure.
Common asset finance solutions include:
Hire Purchase – Make fixed repayments and own the asset at the end of the agreement.
Equipment Leasing – Access essential equipment through a range of leasing arrangements.
Operating Lease – Use an asset for a fixed term without taking ownership.
Finance Lease – A longer-term funding solution that offers many of the benefits of ownership.
Sale and Leaseback – Sell an owned asset to release capital, then lease it back to continue using it.
What Can Asset Finance Be Used For?
Asset finance can support the purchase of a wide range of business assets, including:
Commercial vehicles and fleets
Manufacturing and industrial machinery
Technology and IT equipment
Office furniture and fit outs
Specialist industry equipment
It can also be used to refinance existing assets, helping businesses release working capital while continuing to benefit from the use of those assets.
Am I Eligible for Asset Finance?
Asset finance is available to a wide range of businesses. Eligibility is typically based on factors such as affordability, trading performance, and credit profile. Businesses commonly use asset finance to fund new purchases or unlock value from assets already on their balance sheet.
How Much Can I Borrow?
Funding amounts generally start from around £10,000 and can exceed £1 million, depending on the asset type, value, and the strength of the application. Facilities can be tailored to support both equipment purchases and asset refinance requirements.
How Quickly Can I Receive Funding?
Asset finance applications can often be approved within 24 to 72 hours once the required documentation and asset information have been submitted. Funding or asset delivery can then be arranged promptly, making it a practical option for businesses requiring fast access to equipment or capital.
Invest without draining cash
Tell us what you need to acquire, and we’ll find the right structure from our lender panel.