Asset finance for small businesses in the UK
Finance vans, machinery, equipment and business assets from £5,000 to £2 million — with no broker fees and support from a specialist UK asset finance broker.
£480m+
Funded for UK SMEs
60+
Specialist lenders
24 hrs
Typical decision
9.4 / 10
Customer rating
Four ways to fund
the gear you need.
Whether you want to own it, lease it, or unlock cash from kit you already have — there's a structure that fits.
Hire Purchase
Own it at the end.
Pay a deposit, then fixed monthlies. The asset is yours outright on the final payment.
Finance Lease
Lower rentals, full use.
Pay to use the kit over a fixed term. Ideal where you'll upgrade or ownership doesn't matter.
Refinance
Equity from kit you own.
Release working capital from machinery, vehicles or plant already on your balance sheet.
Sale & Leaseback
Capital in, kit stays put.
Sell the asset to the lender and lease it back. Cash arrives in days — the asset never leaves your yard.
From application to asset on the drive — in days, not weeks.
Tell us what you need
Asset, amount, term — two minutes online or a quick call.
We shop the market
Soft search only. Matched against 60+ specialist lenders within hours.
Funds in days
Accept your offer and the asset is paid for. Most deals complete inside a week.
Built for the businesses
that build Britain.
From Birmingham
The bank wanted three months and a kidney. AssetFi had me in a new tipper in nine days. Game changer.
Daniel R.
Owner, Roebuck Plant Hire
FCA authorised
Regulated, transparent, independent of any single lender.
24-hour decisions
Soft search — your credit file isn't touched while we shop the market.
Tax-efficient
Most asset finance qualifies for full expensing — write off 100% in year one.
Reviewed by UK businesses
Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we place business with
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Regulated, accredited, accountable.
FCA Authorised
FRN [FCA_FRN]
NACFB Member
Patron-grade vetted broker
FLA Affiliated
Finance & Leasing Association
Consumer Duty
Compliant since June 2024
2025 · Finalist
NACFB Asset Finance Broker of the Year
2024 · Highly Commended
Business Moneyfacts Best Newcomer
2024 · Finalist
SME Asset Finance Provider
Real deals.
Real numbers.
£186,000
£186k for a 6-van last-mile fleet expansion
An e-commerce contract win required six new Mercedes Sprinters on the road inside three weeks. The bank quoted six weeks and asked for a 30% deposit the business couldn't spare.
£420,000
£420k CNC line refinanced to release growth capital
A 12-year-old precision engineering firm owned £600k of CNC kit outright but needed working capital to bid on an aerospace tier-2 contract. Overdraft was maxed and the bank wanted a debenture.
£430,000
£430k of plant for a regional groundworks contractor
A growing groundworks firm needed two telehandlers, three dumpers and a 13-tonne excavator for a new housing site starting in four weeks — but adverse credit from a 2022 CCJ blocked mainstream lenders.
Asset finance,
explained properly.
Hire Purchase vs Finance Lease: which one is right for your business?
The two most common asset finance products in the UK look similar on paper but treat ownership, VAT and tax very differently. Here's how to choose.
VAT deferral on asset finance: how to keep £20k in the bank for 90 days
A practical guide to VAT timing on asset finance, including when VAT is upfront, when it is spread, and how SMEs can avoid a short-term cash squeeze.
Annual Investment Allowance in 2026: still £1m, still under-used
How UK SMEs can think about Annual Investment Allowance when financing equipment, vehicles and machinery in 2026.
Ready to fund
the next move?
Two-minute application. Soft search. A real human on the other end.
or call [PHONE_NUMBER]