UK asset finance indicative rates.
Indicative pricing depends on the funder, asset and your credit profile, asset type, deposit and term — use these as a starting point, then discuss indicative options.
The ranges below are indicative annual percentage rates (APR), not flat rates or offers. They are intended for business borrowers and exclude agreement-specific fees unless stated in a formal proposal. Reviewed by AssetFi compliance and pricing review; next review due 8 November 2026.
Indicative pricing
Hire Purchase rate guide
| Borrower profile | Indicative rate may start at | Typical rate | Deposit |
|---|---|---|---|
| Prime (3+ yrs, clean credit) | 7.9% | 8.5–9.9% | 0–10% |
| Near-prime (minor issues) | 10.5% | 11–13% | 10–20% |
| Startup (< 2 yrs trading) | 12% | 13–16% | 20–30% |
| Adverse (CCJ/default) | 14% | 15–18% | 20–30% |
Illustrative pricing only. Customer rates, fees, APR availability, deposits and terms depend on the asset, provider, proposed agreement and customer circumstances. Any formal offer is issued in writing.
Source: Bank of England Bank Rate and AssetFi approved indicative lender-pricing review. Last reviewed: 8 October 2026. Next review due: 8 November 2026.
Indicative pricing
Finance Lease rate guide
| Borrower profile | Indicative rate may start at | Typical rate | Deposit |
|---|---|---|---|
| Prime | 7.9% | 8.5–10% | Nil |
| Near-prime | 10.5% | 11–13% | Nil–10% |
| Startup | 12% | 13–16% | 10–20% |
Illustrative pricing only. Customer rates, fees, APR availability, deposits and terms depend on the asset, provider, proposed agreement and customer circumstances. Any formal offer is issued in writing.
Source: Bank of England Bank Rate and AssetFi approved indicative lender-pricing review. Last reviewed: 8 October 2026. Next review due: 8 November 2026.
Indicative pricing
Refinance / Sale & Leaseback rate guide
| Borrower profile | Indicative rate may start at | Typical rate | Deposit |
|---|---|---|---|
| Hard asset, prime credit | 9.2% | 10–12% | N/A |
| Soft asset / near-prime | 12% | 13–16% | N/A |
Illustrative pricing only. Customer rates, fees, APR availability, deposits and terms depend on the asset, provider, proposed agreement and customer circumstances. Any formal offer is issued in writing.
Source: Bank of England Bank Rate and AssetFi approved indicative lender-pricing review. Last reviewed: 8 October 2026. Next review due: 8 November 2026.
Indicative pricing
Commercial Vehicle Finance rate guide
| Borrower profile | Indicative rate may start at | Typical rate | Deposit |
|---|---|---|---|
| New LCV, prime credit | 6.9% | 7.5–9% | 0–10% |
| Used LCV (< 5 yrs) | 8.5% | 9–11% | 10–20% |
| HGV / specialist | 8% | 9–12% | 10–20% |
Illustrative pricing only. Customer rates, fees, APR availability, deposits and terms depend on the asset, provider, proposed agreement and customer circumstances. Any formal offer is issued in writing.
Source: Bank of England Bank Rate and AssetFi approved indicative lender-pricing review. Last reviewed: 8 October 2026. Next review due: 8 November 2026.
Finance information
Any available proposal should explain the payment obligations, deposit, fees, interest or rental element, any final payment, total payable, security and relevant consequences before you decide whether to proceed. AssetFi does not publish an unsupported rate or repayment example as a general indication of what a customer will receive.
AssetFi is a trading style of Vernova Finance Ltd, an independent asset finance broker and not a lender. Commission disclosure.
These figures are indicative, not a customer offer.
We can discuss the potential routes for your circumstances. Customer rates, fees and terms are confirmed only in a formal proposal. An enquiry does not authorise a credit search; if one is required, we will explain the process before proceeding.