Commercial Finance
Asset Finance for Equipment, Vehicles and Plant
Hire purchase, leasing and refinance arranged across specialist asset funders. Spread the cost of the equipment your business runs on, or release the capital tied up in machinery you already own.
- Founder-led brokerage
- Ormskirk based · UK-wide
- Broad panel of commercial lenders
Pay for Assets Out of What They Earn
Buying equipment outright takes a large sum of working capital out of the business on day one, for an asset that will earn its keep over several years. Asset finance aligns the two: the machine, van or system pays for itself out of the revenue it generates.
Hire purchase spreads the cost and hands you ownership at the end. Leasing keeps payments lower and returns or renews the asset at term. Asset refinance works the other way — raising a lump sum against plant, vehicles or machinery you already own outright.
Because the asset itself is the security, these facilities are often available to businesses that would struggle with unsecured borrowing, and decisions tend to be quicker.
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What We Fund
If it has a serial number and a resale value, it is usually fundable:
- Commercial vehicles, HGVs, vans and fleet
- Construction plant and yellow goods
- CNC, manufacturing and processing machinery
- Agricultural equipment
- Catering, gym and salon equipment
- IT hardware, EPOS and technology infrastructure
What This Means for You
Working capital stays put
The cash you would have spent on the asset remains available for stock, wages and opportunities.
Easier approval
Lending secured on a tangible, resaleable asset opens doors that unsecured credit criteria close.
Tax-efficient structures
Depending on the agreement type, payments or capital allowances may be offset against profits — worth confirming with your accountant.
Capital released from what you own
Refinancing existing plant can produce a six-figure cash injection without taking on new equipment.
Frequently Asked Questions
What is the difference between hire purchase and leasing?
With hire purchase you are buying the asset in instalments and own it outright at the end. With a lease you are paying for use of the asset over an agreed term, which usually means lower monthly payments, with options to return, renew or extend at the end. Which is better depends on how long you will use the asset and how your accountant treats it.
Can I finance a used or auction-bought asset?
Yes. Most funders will consider quality used equipment, and many will fund purchases at auction or from a private seller, subject to inspection and age limits. Older or specialist assets simply need the right funder rather than a mainstream one.
Can I raise cash against equipment I already own?
That is asset refinance. A funder values the equipment you own outright, advances a lump sum against it and you repay over an agreed term while continuing to use the asset. It is a common way to fund growth without touching property security.
Related Finance Options
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Send us the asset details and a rough budget — we will tell you what it should cost to fund and how quickly it can be in place.