Asset & Vehicle Finance
Asset finance lets your business get the vehicles and equipment it needs now and spread the cost over time, instead of tying up cash in one large purchase. The asset itself usually acts as the main security.
What can be financed
- Vans and light commercial vehicles: panel vans, Lutons, tippers, dropsides, refrigerated and converted vans
- Cars: company and fleet cars
- HGVs, trucks and trailers
- Plant and construction equipment: diggers, excavators, telehandlers, dumpers
- Agricultural machinery: tractors and farm equipment
- Manufacturing and engineering machinery: CNC machines, presses, production lines
- Catering and restaurant equipment: commercial kitchens, ovens, refrigeration, extraction
- Medical, dental and salon equipment
- IT, telecoms and office equipment
- Shop fit-outs, EPOS and security systems
- Renewable energy: solar panels, EV chargers and electric vans
Ways to finance an asset
- Hire purchase: fixed monthly payments, and you own the asset at the end
- Finance lease: lower monthly payments, without ownership
- Contract hire: fixed-cost vehicle use, often including maintenance
- Refinance: release cash from vehicles and equipment you already own
New and used assets can be considered, from dealers or private sellers, subject to lender criteria.
What lenders will want to see
- How long you have been trading
- Recent accounts or bank statements
- Details of the asset and its supplier
- Any deposit or part-exchange
How it works with us
- Tell us what you need. A short call or the enquiry form is enough to start.
- We look at the options. We explain what is realistically available, the costs and any fees before you commit to anything.
- We manage the application. We deal with the lender, valuer and solicitors and keep you updated through to completion.