Asset Funding & Equipment Finance | Hire Purchase & Leasing | £5,000 – £500,000+
Why pay for vital equipment on Day 1 when it's going to work for you for the next five years? Asset funding allows you to acquire the vehicles, machinery, or technology your business needs to grow without draining your essential cash reserves. We connect UK Limited Companies with over 100 specialist lenders for funding from £5,000 to £500,000+, covering everything from Hire Purchase and Equipment Leasing to Asset Refinance. Our service is free to apply with no upfront fees and fast decisions—giving you the capital to scale while keeping your cash flow liquid.
Whether you're acquiring new assets or unlocking equity from equipment you already own, our FCA-authorised team matches you with the right lender for your sector and asset type.
What Can You Finance?
From heavy vehicles to high-end software, we fund the assets that drive your business forward.
Hire Purchase & Leasing for Vehicles, Vans & HGVs
Spread the cost of your fleet, from a single delivery van to a full logistical rollout. Perfect for businesses needing to stay mobile without a massive upfront capital outlay. Whether it's an LCV for a local tradesman, an HGV for a haulage firm, or a fleet of company cars, Hire Purchase lets you own the vehicle outright at the end of the agreement while claiming capital allowances along the way.
Funding for Specialized Plant, Machinery & CNC Equipment
Whether it's yellow plant for construction, high-precision CNC machines for manufacturing, or commercial kitchen equipment for hospitality, we fund the 'Hard Assets' that drive your production line. Lenders value these assets highly because of their strong residual value, which often means lower deposits and more competitive rates than unsecured alternatives.
Soft Asset Finance for IT, Software & Studio Fit-outs
Not all assets are heavy metal. We provide funding for 'Soft Assets' like high-end IT systems, specialist software licenses, office furniture, gym equipment, and full studio or salon fit-outs. Leasing is often the best option here, as it avoids ownership of rapidly depreciating technology — you simply upgrade to the latest version when the lease ends.
What You Need to Know Before Applying
The "Earn as You Pay" Philosophy
The smartest way to look at asset finance is 'ROI Alignment.' If a new piece of machinery costs you £1,000 a month in finance but generates £5,000 a month in new revenue, it's not an expense — it's a profit generator. By matching the loan term to the asset's useful lifespan, you ensure the equipment literally pays for itself as it works, leaving your cash reserves for growth. This is why asset finance is often preferable to paying cash upfront — even if you have the funds available.
Unlock the "Hidden Gold" with Asset Refinance
If your business owns vehicles or machinery outright but you're facing a cash-flow squeeze, you're sitting on a goldmine. With Asset Refinance, a lender 'buys' the equipment from you and leases it back. You get an immediate cash injection for your business based on the value of assets you already own. It's often significantly cheaper than an unsecured loan because the asset provides the security. We see this most often with construction firms refinancing plant, and logistics companies unlocking equity in their fleets.
Maximise Your Tax Efficiency with AIA
Don't forget to talk to your accountant about the Annual Investment Allowance (AIA). The current AIA allows businesses to deduct the full cost of qualifying plant and machinery — up to £1 million — from their taxable profits in the first year. Using asset finance to acquire equipment often allows you to claim these capital allowances while still preserving your day-to-day working capital. It's a powerful combination of tax efficiency and cash flow management.
Asset Finance in Action
£12,000 Forklift Funding — Saved from High Fees
How our broker secured a Hire Purchase deal with Close Brothers, saving a logistics client from 5–10% upfront lender fees on unsecured loans.
Eligibility Requirements
To qualify for our alternative business finance solutions, your business needs to meet these basic criteria
Quick Eligibility Check
UK Registered Company
Your business must be either a limited company, LLP, sole trader or partnership in the UK
Monthly Turnover £10k+
Minimum monthly turnover of £10,000 to qualify for funding
6+ Months Trading
At least 6 months of established trading history required
UK Resident Director
At least one director or shareholder must be a UK resident
Meet the criteria?
If your business meets these requirements, you could be eligible for funding despite bank declines
The UK's Trusted Broker for Asset Finance
Hundreds of UK businesses have relied on us when they needed funding fast.
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Fully regulated for your peace of mind
100+ Lenders
We find the right match for your business
Asset Finance Scenarios From the SME Finance Hub Desk
Three real examples of how UK businesses have used asset finance through us — across hard plant, refinanced existing equipment, and soft assets like software.
New plant for a haulage firm
The business
A 12-vehicle haulage operator winning a new long-term contract that required two additional DAF tractor units.
What they needed
£190,000 for two new tractor units, delivered inside 30 days to meet the contract start date.
How we structured it
5-year hire purchase, VAT funded separately, fixed monthly payments. The units acted as their own security.
The outcome
Both units on the road within 28 days. The new contract more than covered the monthly repayments from week one.
Refinance of existing kit for working capital
The business
An engineering firm with £450k of unencumbered CNC machinery on the balance sheet and a need for £180k of working capital.
What they needed
£180,000 of working capital, unlocked from kit they already owned, without taking on unsecured debt.
How we structured it
Sale-and-HP-back across three CNC machines at ~55% LTV. 4-year term, monthly repayments lower than an equivalent unsecured loan.
The outcome
Working capital released in 3 weeks. Machinery stayed in continuous use throughout — only the legal ownership changed.
Soft-asset finance for a software rollout
The business
A 60-person accountancy practice rolling out a new £85k practice-management software platform with a 3-year licence term.
What they needed
£85,000 to fund the licence and implementation cost over the life of the software, instead of upfront from reserves.
How we structured it
3-year soft-asset finance lease, matched to the licence term. Monthly payments expensed through the P&L rather than capitalised.
The outcome
Software live in 90 days. Cash reserves preserved for client work, with the cost spread over exactly the period the software was used.
Asset finance is one of the cheapest ways to fund equipment because the asset itself is the lender's primary security — which is why approval rates and rates routinely beat unsecured alternatives.
Common Questions About Asset Finance
Ready to Finance Your Next Asset?
Don't let upfront costs hold you back. Apply now and let the equipment pay for itself.