FCA Appointed Representative · UK-wide · Independent broker
Asset finance,
done direct.
Tell us about the vehicles, plant, machinery or equipment your business needs. A broker will review the enquiry and contact you about possible next steps.
- No credit search for an enquiry
- A request, not an offer
- Broker, not a lender
Access to 50+ UK funders
- High-street banks
- Specialist asset funders
- Manufacturer finance
- Independent lenders
- Challenger banks
Providers considered depend on your asset, business and lender criteria.
Asset finance explained
Get the asset now. Pay for it as it earns.
Asset finance can help UK businesses acquire equipment without a large upfront payment. Depending on the structure, the asset may secure the agreement; other security and obligations may also apply.
From a single van to a full fleet, an excavator to a production line, we work with a panel of lenders to discuss options subject to lender assessment and agreement terms. Consider your cash flow, deposit and end-of-term plans when comparing proposals.
Hire purchase
Spread the cost; ownership transfers after all payments and any purchase fee in the agreement.
Finance lease
Pay to use the asset over an agreed term while the lender retains ownership; check the end-of-term terms.
Refinance
Explore funding secured against eligible assets or replacing an existing agreement, subject to valuation and lender assessment.
Sale & leaseback
Sell an eligible owned asset to a funder and lease it back; legal ownership transfers and terms depend on the agreement.
Finance for what moves your business.
Plant & machinery finance
Construction, manufacturing and workshop equipment.
Vehicle & fleet finance
Business vans, cars, HGVs and commercial fleets.
Asset refinance
Compare funding against equipment your business owns.
Agricultural finance
Tractors, harvesters and farm machinery.
Technology & IT finance
Business laptops, servers, telecoms and systems.
Catering & hospitality finance
Commercial kitchens, refrigeration and bar equipment.
Compare your options
Hire purchase, lease or refinance?
Choose a starting point, not a commitment. Your broker will explain the costs and terms of any proposed agreement.
| At a glance | Hire purchase | Finance lease | Refinance |
|---|---|---|---|
| Ownership | Own the asset after all payments and any purchase fee. | Lender retains legal ownership; end-of-term options vary. | Depends on the refinance structure; security is taken over the asset. |
| VAT timing | VAT on the asset is generally due upfront; funding may be available. | VAT is generally charged on each rental. | Depends on the transaction, especially for sale & leaseback. |
| Accounts | Asset and finance liability generally recorded on your balance sheet. | Generally recorded on balance sheet under IFRS 16 or revised FRS 102; ask your accountant. | Treatment depends on whether it is a secured loan, HP or lease. |
| Tax relief | Capital allowances may be available on qualifying assets; interest may be deductible. | Relief may be available on rentals. Capital allowances generally belong to the lessor, with exceptions. | Relief depends on the structure, ownership and previous claims. |
General UK guidance, not tax or accounting advice. VAT recovery and relief depend on your business, asset and agreement. Confirm with your accountant. Sources: HMRC leasing guidance and capital allowances guidance.
No paperwork to start
A rough idea is enough.
You can enquire before you have chosen an asset. Documents may be requested later, depending on the lender.
Get my quoteAsset quote or specification
Useful if you have one; a description and approximate price are enough to enquire.
Business details
Your trading name and contact details. Registration information may be needed later.
Recent bank statements
A lender may ask for these later. Do not send sensitive documents through the enquiry notes.
Asset finance calculator
Estimate a monthly repayment range
Adjust the amount and term to see an illustrative monthly repayment range. It is not an offer or approval; actual costs depend on your circumstances and lender.
Loading repayment calculator…
Illustrative scenarios
Examples of assets and finance structures
£84,000
2x DAF XF tractor units
Hire purchase · 48 months
£52,000
Takeuchi TB290 excavator
Finance lease · 36 months
£115,000
CNC machining cell
Refinance · 60 months
£28,500
Mercedes Sprinter dropside
Hire purchase · 36 months
Illustrative examples only—not offers, approvals or a statement of typical customer outcomes. Actual availability, repayments and agreement terms depend on the business, asset and lender.
Three steps to your quote.
Tell us what you need
Pick the asset, the rough amount and your business type. It takes about a minute.
We find suitable lenders
A broker reviews your enquiry and approaches lenders that fit the asset and your business.
Review and decide
Any proposal sets out the full costs and agreement details clearly. No obligation to proceed.
Asset finance FAQs
What is asset finance?
Asset finance lets a business acquire vehicles, machinery or equipment and spread the cost over fixed monthly payments, instead of paying the full price upfront. The asset itself usually forms the security for the agreement.
Who is asset finance for?
Established and growing UK businesses — limited companies, sole traders, partnerships and LLPs — that want to acquire, upgrade or refinance the assets that support day-to-day operations.
Will a website enquiry affect my credit file?
No. Submitting a website enquiry does not itself carry out a credit search. If a later step may involve a search, the process will be explained to you beforehand.
Can I finance used equipment or a private sale?
Often, yes. Dealer, manufacturer, private-sale and auction purchases can be considered, but the seller, asset condition, invoice and ownership trail need to be acceptable to the lender.
What happens after I submit a quote request?
A broker will talk through the asset, your business plans and the information that may help identify suitable finance options. If a proposal is available, you can review it in full before deciding whether to proceed.
Do I need a deposit for asset finance?
Not always. Some lenders may fund without a deposit, while others ask for one depending on the asset, your trading history and the overall proposal.
How long are asset finance terms?
Terms commonly range from one to five years, sometimes longer for high-value assets. The lender sets the maximum term based on the asset's expected working life.
Can new or start-up businesses apply?
Newer businesses can enquire. Lenders may ask for more information, a deposit or a personal guarantee where trading history is limited.