Spread the cost. Keep the cash.
Asset finance lets your business acquire vehicles, machinery and equipment without paying outright — protecting working capital and unlocking growth.
Pick the right shape
for the right asset.
Hire Purchase (HP)
Pay a deposit (often 10%), then fixed monthly instalments. You own the asset outright at the end of the term. Interest is tax deductible and the asset sits on your balance sheet — usually qualifying for full expensing.
Finance Lease
Lower monthly cost than HP. The lender owns the asset, you use it. Rentals are 100% allowable against profits. Ideal for kit you may want to upgrade.
Refinance & Sale-and-Leaseback
Already own kit free of finance? Release equity from it as a cash injection — repaid over a term that suits cash flow. Or sell to the lender for a lump sum and lease it back.
Equipment & Vehicle Finance
Specialist finance for plant, machinery, IT, fit-outs, vans, HGVs and trailers. New, used, dealer or private sale — across 20+ UK sectors.
From enquiry to funded — usually inside a week.
Enquire in 60 seconds
Tell us the asset, the amount and the timing. Soft search only — no impact on your credit score.
We get to know your business
A dedicated account manager picks up the phone, sense-checks your goals and gathers what we need.
We shop the market for you
We package the application, run it across 60+ specialist lenders and bring back the strongest no-obligation quotes.
Funded — usually in days
Accept the offer and sign electronically. Funds release direct to the supplier or to your account.
Indicative annual flat rates
for our best-rated customers.
Annual flat rate is the headline number you'll see across UK asset finance — it's the interest charged each year on the original amount borrowed. Your APR will be roughly 1.7–1.9× the flat rate. The rate you actually get depends on credit profile, asset type, term and lender appetite.
Rates shown are annual flat rates for borrowers with the strongest credit profile, on standard terms of 24–60 months. They're indicative — final pricing is subject to underwriting, asset type, deposit and term. All facilities for UK businesses only.
The facts, on one screen.
Facility size
£5k – £2m
Per single asset, larger by syndication
Term
12 – 84 months
Matched to the useful life of the asset
Decision
24 hours
Funds typically released in 3–7 days
Balloon payment
Up to £100k
Optional — to lower monthlies
Cars
Up to £200k
Including VAT, director vehicles welcome
Repayments
Fixed
No rate-shock when the BoE moves
Security
The asset itself
No need to pledge property or homes
UK only
Ltd & non-Ltd
Sole traders, partnerships, LLPs, CICs
Hard assets vs soft assets —
and why it matters.
The first decision any lender makes is the asset class. Hard assets hold value over time and provide strong security; soft assets depreciate fast and are harder to recover. The category sets the rate, the term and even whether funding is available at all.
Hard assets
High-value items with a defined resale market and slow depreciation. Strongest security, sharpest rates, longest terms.
- · Vehicles — vans, HGVs, trailers, buses, coaches
- · Plant — excavators, dumpers, telehandlers, MEWPs
- · Machinery — CNC, presses, robotics, packaging lines
- · Engineering & manufacturing equipment
- · Agricultural — tractors, combines, sprayers
- · Yellow plant, woodworking, plastics, recycling
Soft assets
Lower-value or fast-depreciating items with thin secondary markets. Funding still possible — typically through specialist lenders, shorter terms and slightly higher rates.
- · IT — servers, networking, laptops, EPOS
- · Software & licences (within structured deals)
- · Telecoms & business phone systems
- · Audio-visual & broadcast equipment
- · Office furniture, signage, fit-out
- · Catering, gym and salon equipment
The four-letter test:
D · I · M · S.
Every asset finance lender quietly applies the same four-part test before funding. If your asset ticks all four boxes, you'll get funded. If it ticks three, expect tougher terms. Two or fewer — usually a no.
Durable
Built to last the term of the agreement and beyond. Not a consumable, not single-use.
Identifiable
Has a serial number, VIN or unique identifier the lender can register against.
Movable
Can physically be recovered if needed. Permanently-installed kit (e.g. floor-bonded) is harder.
Sellable
Has a working secondary market — auction houses, dealers, end-users who'd buy it.
Built around the
pressure points of UK SMEs.
Transport & haulage
Replacing or expanding a fleet is a six- and seven-figure decision. Spread the cost over the life of the vehicle and let each van earn its keep.
Manufacturing
One faulty press can stop the production line. Finance the replacement (or the upgrade) without raiding working capital reserved for stock and payroll.
Construction & trades
Win the contract first, fund the plant second. Asset finance lets you scale capacity to demand without overcommitting.
Agriculture
Seasonal cash flow needs seasonal payment terms. We arrange harvest-aligned schedules with lower payments through the lean months.
Healthcare & dental
Imaging, surgical and aesthetics kit is expensive — and revenue follows the equipment. Match the payback term to the clinical revenue it generates.
Care & hospitality
From kitchen fit-outs to mobility equipment, sector-specialist lenders understand seasonality, occupancy cycles and CQC inspection timing.
Five reasons SMEs choose finance
over a cash purchase.
Protect working capital
Keep cash for payroll, stock and the unexpected — let the asset pay for itself out of revenue.
Predictable monthly cost
Fixed payments make budgeting straightforward — no rate shock when the BoE moves.
Tax efficient
Hire purchase typically qualifies for capital allowances; lease rentals are deductible against profits.
Access better kit, sooner
Spread the cost and afford the right specification — not just what's on the chequebook.
Asset is the security
The kit itself secures the deal — no need to pledge property or directors' homes.
Straight answers.
How much can I borrow?
From £5,000 up to £2 million per asset. Larger facilities available subject to underwriting.
How long does it take?
Most decisions are returned within 24 hours. Funds typically released in 3–7 working days from accepted offer.
Will applying affect my credit score?
No. We use a soft-search to shop the market. Only when you accept an offer is a full search completed by the chosen lender.
Do you charge any fees?
No upfront or ongoing broker fees to you. We're paid a commission by the lender on completion — fully disclosed before you sign.
Do I need a deposit?
Often no. Many deals are arranged with nil-deposit, though putting money down can secure better rates.
What if I have bad credit or I'm a new business?
We work with specialist lenders for adverse credit, CCJs, and businesses trading less than 12 months. Speak to us before assuming you can't be funded.