Regulated & unregulated
Fund the equipment that earns your money
Asset finance spreads the cost of vehicles, plant, machinery and equipment over the period the asset is working for you — protecting cash reserves and matching repayments to the value the asset generates.
At a glance
- Facility size
- £5k – £10m
- Typical term
- 12 – 84 months
- Structures
- HP · Lease · Balloon
- Decision
- Often within 24–48 hrs
Why clients use it
Preserve working capital
Acquire the asset without draining the cash your business needs day to day.
Payments that follow usage
Seasonal, stepped and balloon profiles are available where lender appetite allows.
Own it or hand it back
Hire purchase builds ownership; lease keeps flexibility and off-balance-sheet options.
Whole-of-panel pricing
We approach mainstream banks and specialist asset houses side by side, not one default lender.
How we structure it
The detail
We place hire purchase and lease agreements with funders ranging from mainstream banks to specialist asset houses. Terms are structured around how the asset is actually used and how it earns its keep, with balloon, seasonal or stepped payment profiles available where lender appetite allows.
Typically suited to
- Businesses buying commercial vehicles or fleet
- Manufacturers and engineers replacing plant
- Construction and agricultural operators
- Companies with hard assets already owned (see refinance)
Common questions
Can I finance a used asset?
Yes. Age and condition affect lender appetite and term, but used plant, machinery and vehicles are funded every day on our panel.
Is a personal guarantee always required?
Not always. It depends on the strength of the business, the asset and the funder. We will tell you upfront what a lender is likely to ask for.
Not sure this is the right route?
Tell us the requirement and we will point you to the structure that actually fits — even if that means a different product.
Talk it through