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Asset Finance

Finance options for acquiring equipment, vehicles, and machinery without tying up working capital. We work with a wide panel of lenders to source the most suitable facility for your business

Flexible finance solutions to help you acquire vital equipment, vehicles, or machinery, without large upfront costs.

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We provide tailored finance solutions to help your business acquire the essential equipment, vehicles, or machinery it needs to operate and grow. Whether you’re upgrading existing assets or investing in new ones, our asset finance options offer flexible and cost-effective ways to keep your business moving forward without compromising cash flow.

Keep your operations moving with tailored asset finance solutions

Asset finance allows your business to invest in the tools, equipment, or vehicles it needs without depleting working capital. Whether you’re looking to purchase new machinery, expand your fleet, or upgrade outdated equipment, we’ll match you with the right facility from our wide network of lenders.

Hire Purchase (HP) 
Own the asset at the end of the term while spreading the cost through fixed monthly payments, ideal for long-term investment.

Finance Lease & PCP 
Lease the asset for a fixed period or choose a PCP option with flexibility at the end, ideal for vehicles and assets with a shorter lifecycle.

What Asset Finance Options Are Available?

Hire Purchase (HP)

A structured repayment plan where you own the asset at the end of the agreement. Ideal for businesses investing in long-term plant, vehicles, or machinery.

Finance Lease

Use the asset for a fixed period while making regular payments, with the option to continue leasing or upgrade at the end of the term. Suited to businesses looking for flexibility and tax efficiency.

Personal Contract Purchase (PCP)

A vehicle finance option offering lower monthly payments and the choice to purchase, return, or refinance the asset at the end of the term.

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Frequently Asked Questions

We offer a range of asset finance solutions, including hire purchase (with VAT deferral options), leasing, and refinancing. Whether you’re looking to acquire new equipment, vehicles, or machinery, we can tailor a solution that fits your business needs and cash flow.

With hire purchase, you own the asset at the end of the agreement. Our VAT deferral option allows you to delay paying the VAT upfront, helping you manage your cash flow more effectively. This is particularly useful for businesses looking to preserve working capital while acquiring essential assets.

Leasing allows you to use an asset without owning it. At the end of the term, you can either return, upgrade, or extend the lease. Hire purchase, on the other hand, leads to full ownership once all payments are made. The right choice depends on your business goals and tax considerations.

Yes, we offer unsecured and secured business loans for working capital, expansion, or other business needs. Our VAT loans help spread the cost of your VAT bill over manageable monthly payments, reducing cash flow strain.

We understand that speed is crucial for businesses. Many of our finance agreements can be approved within 24–48 hours, depending on the complexity of the deal. We work closely with our lending partners to ensure a smooth and efficient process.

Yes, we offer seasonal payment plans to help businesses with fluctuating income manage their repayments more effectively. This is particularly beneficial for industries like agriculture, tourism, and construction, where cash flow varies throughout the year. With seasonal finance, your repayment schedule is tailored to align with your peak earning periods, reducing financial pressure during quieter months. Speak to our team to find out how we can structure a finance package to suit your business needs.

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