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Asset Finance

Finance equipment, vehicles, machinery and technology. Spread costs while investing in growth with hire purchase, leasing, and asset refinancing options compared across the market.

Overview

What Is Asset Finance?

Asset finance lets you acquire the equipment, vehicles, and machinery your business needs without paying the full cost upfront. Instead of draining your working capital, you spread the cost over a period that suits your cash flow, making it easier to invest in the tools that drive productivity and growth.

There are several structures available. Hire purchase gives you ownership of the asset once all payments are made. Leasing lets you use the asset for an agreed term and then return or upgrade it. You can also refinance existing assets you already own to release cash back into the business.

From a single vehicle to a fleet of specialist machinery, asset finance is used by businesses of all sizes and sectors. We compare options from lenders who understand your industry to find the most competitive rates and the right structure for your situation.

Benefits

Why Choose Asset Finance?

Preserve Working Capital

Spread the cost of equipment and vehicles rather than paying upfront, keeping cash in your business.

Spread Costs Over Time

Fixed monthly payments make budgeting predictable and manageable, even for significant investments.

Tax-Efficient Options

Depending on the structure, payments may be tax-deductible or eligible for capital allowances.

Hire Purchase or Leasing

Choose between owning the asset at the end of the term or returning it and upgrading.

Refinance Existing Assets

Release cash from assets you already own to reinvest in your business.

New and Used Equipment

Finance is available for both brand-new and second-hand assets, giving you more flexibility.

How It Works

Asset Finance In 3 Simple Steps

01

Share Your Needs

Tell us what assets you need to finance, whether new purchases or refinancing existing equipment.

02

Compare Options

We compare hire purchase, leasing, and refinancing options from providers across the market.

03

Get Funded Fast

We handle the application and get your finance approved so you can invest in the assets your business needs.

FAQ

Common Questions About Asset Finance

What assets can be financed?
Almost any business asset can be financed, including vehicles, machinery, plant, IT equipment, office furniture, medical equipment, printing presses, and more. If it has a value and is used for business purposes, there is likely a finance solution available. We work with specialist funders across all asset types.
What's the difference between hire purchase and leasing?
With hire purchase, you make fixed monthly payments and own the asset outright once the agreement ends. With leasing, you pay to use the asset for an agreed period and typically return it at the end, though some leases include purchase options. Hire purchase suits businesses that want ownership; leasing suits those who prefer to upgrade regularly or keep assets off their balance sheet.
Can I finance second-hand equipment?
Yes. Many lenders finance used and refurbished equipment as well as brand new assets. The age and condition of the equipment will affect the terms available, but financing second-hand assets is a common and cost-effective way to acquire what your business needs. We find lenders who specialise in your asset type.
What deposit is required?
Deposit requirements vary by lender and asset type. Some agreements require no deposit at all, while others ask for 10% to 20% upfront. A larger deposit can reduce your monthly payments and improve the overall cost of the facility. We compare options so you can choose the structure that works best for your cash flow.

Ready to Compare Asset Finance Options?

Let us find the best asset finance solution for your business. Free, no-obligation comparison from across the whole market.

Compare Your Funding Now 0161 871 9840