Finance the kit that earns the revenue.
From a single coffee machine to a full automated production line, equipment finance lets you spread the cost over the productive life of the asset. Lower interest rates than unsecured loans because the kit itself is the security.
At a glance
- From £5,000 to £2 million per asset
- Hard and soft assets across 20+ sectors
- Indicative annual flat rates may start at 5.9%
- New, used, dealer or private sale
- Multiple structures: HP, Lease, Refinance
Broker
Independent
Timing
Case by case
Terms
Subject to review
From enquiry to business momentum.
Enquire in 60 seconds
Tell us about the asset, the amount and the timing so we can focus the conversation on your business plans.
We get to know your business
A dedicated account manager gets to know your goals and helps shape the right finance conversation.
We explore suitable provider routes
We consider suitable provider routes based on the asset, the information available and the circumstances described.
Move forward with clarity
Your account manager talks you through the options and helps you choose the next step for your business.
Equipment finance, by category.
Manufacturing & CNC
Lathes, mills, presses, welders, robotics, automated lines, packaging and palletising.
Construction plant
Excavators, dumpers, telehandlers, scaffolding, attachments, modular cabins.
Agriculture & tractors
Tractors, trailers, telehandlers and agricultural equipment for rural businesses.
Dedicated guide →
Hospitality & catering
Combi ovens, walk-in cold rooms, espresso machines, full kitchen fit-outs and EPOS.
Dedicated guide →
Medical & dental
Imaging, surgical chairs, lasers, sterilisation, lab and aesthetics equipment.
Fitness & wellness
Cardio fleets, free weights, full studio launches, treatment chairs, beauty technology.
IT & technology
Servers, networking, laptops, software, AV systems, business phone systems.
Dedicated guide →
Fit-out & refit
Shopfit, restaurants, salons, offices. Combine asset finance with soft costs into one agreement.
Renewables & EV
Commercial solar, battery storage, EV charging infrastructure, ground-source heat.
Cheaper than an unsecured loan, smarter than a cash purchase.
Asset is the security
Lower rates than unsecured borrowing because the kit itself secures the deal — no need to pledge property or directors' homes.
Match cost to revenue
Pay for the kit out of the revenue it generates, not from cash you need for stock and payroll.
Tax and accounting considerations
The available treatment depends on the business, asset, agreement, VAT status, accounting framework and current rules. Ask an accountant or tax adviser to confirm the position before entering an agreement.
Avoid price inflation
Buy at today's prices. Spread the cost. Beat the next supplier price increase.
Suppliers love it
Lender pays the supplier directly on accepted offer. You get faster delivery and often a better trade price.
Used and private sale OK
Not just dealer-new. We can fund used equipment, auction purchases and private sales subject to inspection.
Three ways to finance equipment.
Hire Purchase
Own the kit at the end. Best for long-life machinery and plant.
Learn more →
Finance Lease
Potentially lower upfront cost; VAT treatment and end-of-term options depend on the agreement and your circumstances.
Learn more →
Refinance
Already own the kit? Release the equity as a cash injection.
Learn more →
Equipment finance, answered.
What equipment can AssetFi arrange finance for?
AssetFi can arrange finance for a broad range of business equipment, including manufacturing machinery, construction plant, agricultural equipment, commercial kitchens, medical and dental equipment, fitness equipment, IT, fit-outs and renewable-energy assets.
Can I finance used equipment or a private sale?
Used equipment and private-sale purchases can be considered where the asset, supplier or seller, remaining useful life and supporting documentation meet the relevant funder's requirements.
How much equipment finance can I apply for?
AssetFi works with equipment purchases from £5,000 to £2 million per asset. The amount available depends on the asset, business circumstances, deposit, term and funder criteria.
Is hire purchase or finance lease better for equipment?
Hire purchase may suit businesses that want to own an asset at the end of the agreement. A finance lease may suit businesses that prefer rental-based use and different end-of-term options. The suitable structure depends on the asset, cash flow and accounting or tax position.
Can equipment finance include installation or soft costs?
Installation, software, delivery, fit-out and related soft costs may be included where they are part of the supplier proposal and acceptable to the funder. Ask for these items to be itemised in the supplier quotation.
What information is needed for an equipment-finance quote?
A supplier quotation, information about the asset and business, preferred deposit and term, and any documents requested during underwriting will help AssetFi assess suitable options. Requirements vary by funder and circumstances.