Equipment (Asset) Finance.

Flexible Asset Finance Solutions for SMEs and Mid-Corporates: Unlock the Power of Equipment Financing.

Investing in the right equipment can be the key to taking your business to the next level, but acquiring new assets often requires significant upfront capital.

Our Asset Finance (Equipment Finance) solutions are designed to give SMEs and mid-corporates the financial flexibility they need to acquire essential equipment without straining cash flow. Whether you're looking to finance hard assets like machinery, vehicles, and industrial equipment, or soft assets like technology and software, we have the right financing options to support your business.

With loan amounts ranging from £1,000 to £25+ million and flexible repayment terms from 12 months to 84 months, we offer tailored solutions that align with your cash flow and business strategy. Our comprehensive range of finance options—from finance leases and lease purchases to operating leases and incremental or seasonal repayments—means you can choose a structure that best suits your company’s needs.

Key Benefits of Our Asset Finance Product:

We offer a wide variety of asset finance solutions, each tailored to meet the unique needs of SMEs and mid-corporates. Here are the key benefits of partnering with us:

  • Capital Amounts from £1,000 to £25+ Million: No matter the size of your business or the equipment you're looking to finance, we offer scalable finance solutions to suit businesses of all sizes.

  • Flexible Repayment Terms: Spread the cost of your equipment over 12 to 84 months, enabling you to manage cash flow effectively while enjoying the use of your assets right away.

  • VAT Deferral and Spread: We offer VAT deferral and VAT spread options, allowing you to manage the impact of VAT payments on your working capital. With VAT deferral, you can delay VAT payments, while VAT spread options enable you to pay the VAT over the course of the finance term, improving cash flow flexibility.

  • Finance Lease: Gain access to essential equipment without the upfront cost. With a finance lease, you can spread the cost of the equipment over an agreed term and enjoy potential tax benefits, as lease payments may be deductible from taxable profits.

  • Lease Purchase: This option allows you to eventually own the equipment at the end of the lease term. Spread the cost over time, with the option to purchase the asset at the end of the agreement, making it ideal for businesses wanting ownership but needing to manage cash flow.

  • Operating Lease: Perfect for businesses that need the use of assets without the burden of ownership. Operating leases allow you to rent equipment for a fixed period, with payments reflecting the usage of the asset rather than full ownership, reducing overall costs.

  • Seasonal and Incremental Repayments: Align your payments with your cash flow. Seasonal repayments are ideal for businesses with fluctuating cash flow cycles, allowing you to pay more during busy periods and less during quieter times. Incremental repayments allow you to scale payments as your revenue grows.

  • Stage Payments for Pre-Lease Facility: For businesses that require large-scale equipment or projects with phased delivery, stage payments provide the flexibility to release funds in stages, reducing the financial burden upfront and allowing for smooth progress on long-term projects.

  • Overseas Payments: If your business sources equipment from overseas, we offer tailored finance solutions that include handling cross-border payments, simplifying the international procurement process.

  • Tax Relief for Finance Leases: Finance leases may provide tax advantages, as the lease payments can often be deducted from your taxable profits. This reduces the overall tax burden and makes equipment financing even more cost-effective.

Types of Equipment We Finance:

Scaffolding - Machinery - CCTV - Heavy Plant - Catering - Office Furniture - Cars - HGV - Racking - Haulage - Construction - Tractors - IT - Dental - Ophthalmic - Surveying - Production lines

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Scaffolding - Machinery - CCTV - Heavy Plant - Catering - Office Furniture - Cars - HGV - Racking - Haulage - Construction - Tractors - IT - Dental - Ophthalmic - Surveying - Production lines 〰️

We provide finance for a wide range of equipment, from heavy machinery to cutting-edge technology. Here are the categories of assets we support:

  • Hard Assets:

    • Industrial machinery and plant equipment

    • Manufacturing equipment

    • Vehicles and fleet management solutions

    • Construction equipment

    • Agricultural machinery

    • Production lines

    • Aviation

    • Boats

    • Printing

  • Soft Assets:

    • IT equipment (servers, computers, etc.)

    • Software solutions

    • Communication systems

    • Medical equipment

    • Office equipment and furniture

    • Restaurant fitouts

    • Epos

    • CCTV

    • Scaffolding

    • Racking

No matter what industry you’re in, our flexible financing options can help you acquire the assets you need to keep your business competitive and growing.

How Our Asset Finance Solution Helps Your Business:

Our asset finance solutions offer a range of benefits, designed to support your business’s growth and operational efficiency:

  • Preserve Working Capital: By spreading the cost of your equipment over time, you can preserve your cash flow for other essential areas of your business, such as payroll, inventory, or marketing.

  • No Large Upfront Costs: Acquire the equipment your business needs today without the heavy upfront investment. This allows you to invest in the latest technology or equipment without depleting your capital reserves.

  • Manage Cash Flow Efficiently: Choose repayment options that fit your cash flow. With seasonal and incremental repayment structures, you can align your payments with your income, making financing even more manageable.

  • Stay Up-to-Date with Technology: With options like operating leases, you can regularly upgrade your equipment at the end of each term, ensuring your business remains at the forefront of innovation and efficiency.

  • Tailored Solutions for Your Industry: Whether you need financing for construction, manufacturing, healthcare, or tech, we provide industry-specific solutions to ensure your financing works as hard as your business does.

  • Reduced Tax Liability: Depending on the financing structure you choose, you may be able to take advantage of tax relief through deductions on lease payments or by offsetting the depreciation of owned assets.

Key Features and Benefits at a Glance:

  • Loan amounts from £1,000 to £25+ million for equipment finance

  • Repayment terms ranging from 12 to 84 months, giving you flexibility to manage cash flow

  • VAT deferral and VAT spread options to reduce immediate financial strain

  • Finance lease for spreading the cost of equipment while gaining potential tax advantages

  • Lease purchase for businesses looking to eventually own their assets

  • Operating lease for businesses that prefer flexibility over ownership

  • Seasonal and incremental repayments to match your cash flow cycle

  • Stage payments for long-term projects and phased equipment acquisition

  • Overseas payment support for businesses sourcing equipment internationally

  • Tax relief opportunities through finance lease arrangements

  • Financing available for both hard assets (machinery, vehicles, etc.) and soft assets (technology, software, etc.)

Ready to Finance Your Equipment?

Don’t let the cost of equipment stand in the way of your business’s growth. Our asset finance solutions for SMEs and mid-corporates provide the flexibility, support, and financial structure you need to acquire the assets essential to your success. Whether you're looking to upgrade your existing equipment or invest in new technology, we’ll work with you to find the right finance solution that suits your budget and business goals.

Contact our team today to explore your options and get started with the right equipment finance solution for your business.