Asset Finance

Spread the cost of equipment, vehicles and machinery while preserving working capital. We help businesses secure flexible asset finance facilities from a wide panel of lenders.

Check Your Funding Options

What is Asset Finance?

Asset finance enables businesses to acquire equipment, vehicles or machinery without paying the full cost upfront. Instead of using valuable cash reserves, the business spreads the cost over an agreed term through structured repayments.

The asset itself typically acts as security, which can make asset finance an accessible and cost-effective funding solution.

Asset finance is commonly used to fund:

  • Vehicles and fleets
  • Plant and machinery
  • Manufacturing equipment
  • IT and technology
  • Specialist or medical equipment

Both secured and unsecured options are available depending on the size and structure of the facility.

When Should You Use Asset Financing?

Businesses often use asset finance when:

  • Equipment or vehicles require significant upfront investment
  • Cashflow needs to be preserved
  • Growth requires new machinery or technology
  • Existing equipment needs upgrading or replacing
  • Large purchases would otherwise restrict working capital

Asset finance is widely used across manufacturing, construction, healthcare, logistics and professional services.

Types of Asset Finance Available

Hire Purchase
Spread payments over time and own the asset at the end of the term.

Finance Lease
Use the asset while making rental payments over an agreed period.

Operating Lease
Shorter-term use without ownership, often suited to rapidly evolving equipment.

Asset Refinance
Release capital from equipment your business already owns.

Funding Amounts & Terms

Asset finance facilities can typically be arranged from £100,000 to £10m+, depending on the asset and funding structure.

We most commonly support businesses seeking £500k+ facilities, particularly where multiple assets or large equipment purchases are involved.

Typical terms:

  • Repayment periods from 1–7 years
  • Fixed monthly repayments
  • Flexible deposit structures available

How Quickly Can Funding Be Arranged?

Indicative terms can often be provided within a few days once asset details and financial information are available.

Timescales vary depending on:

  • Facility size
  • Complexity of the transaction
  • Security and documentation required
  • Borrower preparedness with required information

In many cases, asset finance can complete faster than traditional lending due to the asset acting as security.

How the Process Works

  1. Discuss the asset and funding requirement
  2. Source lenders suited to the transaction
  3. Present tailored funding options
  4. Support application and underwriting
  5. Funds released to the supplier

Our role is to guide the process and manage lender engagement from start to finish.

Asset Finance FAQs

Most lenders require a deposit, although in certain cases 100% funding may be available. In addition you may be able to incorporate existing unencumbered assets into the financing to provide adequate Loan to Value comfort for the lender.

Yes. Many lenders will fund both new and used assets subject to age and condition.

Yes. The asset typically acts as security for the facility.

Yes. Many facilities can be structured to fund multiple purchases.

Asset finance may provide tax advantages depending on your circumstances. We recommend speaking with your accountant or tax adviser for specific advice.

Tell us about your funding requirements

We typically respond within one working day and your enquiry is treated in strict confidence.

For Businesses