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Asset Finance
Spread the Cost of Any Business Asset
Finance any business asset - from vehicles and equipment to property and stock. Preserve your working capital while getting what your business needs.
Rates from 5.9% APR
Representative example: £50,000 over 48 months at 7.4% APR representative
4hr Decisions
0% Min Deposit
4.9/5 on Google
£1M
Max Finance
4hrs
Decision Time
7yrs
Max Term
Why Choose Our Asset Finance?
We specialise in asset finance for tradesmen with flexible options to suit your business
4-Hour Decisions
Fast decisions so you can move quickly when opportunities arise
Preserve Cash
Keep your working capital for day-to-day operations
Tax Efficient
Claim capital allowances or deduct lease payments from taxable profit
Flexible Options
HP, lease, or refinance - choose what suits your business
What We Finance
From everyday essentials to specialist equipment, we have finance options for every need
Vehicles
- Vans & trucks
- Pickup trucks
- Specialist vehicles
- Fleet finance
Equipment
- Power tools
- Machinery
- Diagnostic equipment
- Workshop equipment
Technology
- Computer equipment
- Software licences
- Communication systems
- Security systems
Property & Fixtures
- Commercial property
- Office fit-outs
- Workshop improvements
- Storage solutions
Understanding Your Options
Different finance types suit different needs. Here's what you need to know.
Hire Purchase (HP)
Fixed monthly payments with ownership at the end. The most popular option for tradesmen who want to own the asset.
You own the asset at the end
Tax Benefits:
Claim capital allowances (potentially 100% in year one). Interest is tax-deductible.
Best For:
Assets you want to own outright like vehicles and equipment.
Finance Lease
Regular payments with no large deposit. At the end, continue at a reduced rental, sell the asset and keep most of the proceeds, or return it.
Asset returned at the end
Tax Benefits:
Full lease payments are tax-deductible.
Best For:
Higher-value assets where you want lower monthly costs and tax efficiency.
Refinance
Release equity tied up in assets you already own. Borrow against vehicles, equipment, or other business assets.
You own the asset at the end
Tax Benefits:
Interest is tax-deductible. No capital allowance impact on already-owned assets.
Best For:
Releasing cash from existing assets for new opportunities or cashflow.
What Tradesmen Say About Us
4.9/5 from 500+ reviews on Google
"Refinanced our van to release £15k for a new opportunity. Still had 18 months on the original finance but they sorted it all out. Used the cash to buy equipment that's earning every day."
Kevin M.
Heating Engineer • Nottingham
K.M. Heating Services
Financed £15,000"Asset finance made sense for our workshop refit. Spread £80k over 5 years instead of wiping out our reserves. Payments come from the extra work the new setup lets us take on."
Williams Bros
Metalworkers • South Wales
Williams Bros Engineering
Financed £80,000Ready to Get Started?
Get a free, no-obligation quote in minutes. Our team of trade finance specialists will find the best asset finance deal for your business.
No impact on your credit score for initial quote
Competitive rates from our panel of lenders
Dedicated trade finance specialist assigned to you
Support throughout the entire application process
Representative Example:
Borrow £50,000 over 48 months. Monthly payment: £1,150. Total repayable: £55,200.7.4% APR representative.
Asset Finance Quote
Hire purchase & leasing options
Frequently Asked Questions
Got questions about asset finance? We've got answers.
Almost anything with a resale value - vehicles, machinery, equipment, technology, fixtures, even stock. Some soft assets (like software) can be included in packages with hard assets.
With HP, you own the asset after the final payment and can claim capital allowances. With leasing, you don't own it but payments are fully tax-deductible. HP suits assets you'll keep long-term; leasing suits assets you'll upgrade regularly.
Yes, refinancing lets you release equity from vehicles, equipment, or other assets you own outright. It's like a loan secured against the asset value. Great for releasing working capital.
Terms range from 12 to 84 months depending on the asset type and its useful life. Vehicles are typically 3-5 years; equipment 2-5 years; larger assets up to 7 years.
We offer 0% deposit options on many assets. A deposit (typically 10-20%) reduces monthly payments and may secure better rates, but isn't required.
Yes. With HP, claim capital allowances (up to 100% in year one under AIA) plus deduct interest. With leasing, 100% of payments are deductible. Always consult your accountant.