Asset Finance
Invest in the vehicles, machinery and equipment your business needs — without tying up unnecessary capital.
Asset finance can spread the cost of essential business assets over an agreed term, helping you preserve cash flow while investing in growth, productivity and new opportunities.
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Leverage against new or old equipment.
Funding can be structured around the asset, your business and how you intend to use it — whether you're acquiring something new or releasing capital from equipment you already own.
Finance the assets that keep your business moving
Asset finance can be used across a wide range of industries, from a single commercial vehicle to specialist machinery or a complete equipment upgrade.
Vehicles & Transport
Cars, vans, HGVs, trailers and specialist commercial vehicles used throughout your operation.
Plant & Machinery
Construction equipment, manufacturing machinery, agricultural equipment and other productive assets.
Technology & IT
Computers, servers, communications equipment and technology required to operate and scale.
Office, Retail & Hospitality
Furniture, commercial kitchens, fit-out equipment and operational assets for customer-facing businesses.
Medical & Specialist
Clinical, diagnostic and specialist equipment where keeping technology current can be crucial.
Renewable & Green Assets
Energy-efficient and renewable technology designed to reduce operating costs and modernise the business.
What equipment can be financed?
Select a category to see some typical examples. Asset finance can cover far more than vehicles and heavy machinery.
Vehicles & Transport
From one commercial vehicle to a larger fleet, transport assets are one of the most established uses of asset finance.
Funding may be considered for new or used vehicles depending on age, value, usage and the wider business circumstances.
Plant, Machinery & Equipment
Productive equipment can represent a significant investment for construction, manufacturing and engineering businesses.
Asset finance can spread that capital requirement across a term more closely aligned to the productive life of the equipment.
Technology & IT
Technology can become outdated quickly, while the upfront investment required to modernise a business can be substantial.
Financing can help spread the cost while allowing the business to implement the technology it needs now.
Office, Retail & Hospitality
Customer-facing premises can require substantial investment in fit-out, furniture and equipment.
Finance can help businesses invest in the assets required to launch, refurbish or expand without absorbing the entire cost immediately.
Medical & Specialist Equipment
Specialist businesses often rely on expensive equipment that directly determines the services they can provide.
Finance may help practices and specialist operators invest in equipment without requiring the full purchase price from existing cash reserves.
Renewable Energy & Green Assets
Investment in energy efficiency can reduce operating costs while modernising the business.
Depending on the technology and transaction, finance may be available for a range of renewable and energy-efficient business assets.
How Asset Finance Works
The process can be straightforward once the asset, supplier and funding requirement are understood.
Identify the Asset
Establish what you're buying, its cost, supplier and intended use.
Review the Business
The lender assesses the business, asset and proposed funding structure.
Finance Agreed
Terms are agreed and the transaction is prepared for completion.
Asset Put to Work
The supplier is paid and your business begins using the asset.
Preserve Cash
Avoid committing the full cost of an asset from working capital on day one.
Spread the Cost
Structure payments over an agreed term rather than one large upfront expenditure.
Invest Sooner
Put productive equipment into use without waiting to accumulate the full purchase price.
Release Capital
Existing assets may potentially provide another source of business liquidity.
Finance that fits the asset and the business.
We help identify suitable funding routes based on the asset you're acquiring, the business circumstances and what you're trying to achieve — then coordinate the application through to completion.
Speak to an Advisor
Have a funding requirement you’d like to discuss? Speak directly with one of our commercial finance advisors.
We aim to respond to enquiries
within 2 working hours.