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Equipment Finance
Finance the Tools You Need to Grow
Get the specialist equipment your trade business needs without the upfront cost. From power tools to heavy machinery, we make equipment finance simple.
Rates from 5.9% APR
Representative example: £10,000 over 36 months at 7.9% APR representative
4hr Decisions
0% Min Deposit
4.9/5 on Google
£500K
Max Finance
4hrs
Decision Time
92%
Approval Rate
Why Choose Our Equipment Finance?
We specialise in equipment finance for tradesmen with flexible options to suit your business
4-Hour Decisions
Get a decision within 4 hours of your application - often faster
Fixed Monthly Payments
Budget with confidence - your payments stay the same throughout
Fast Funding
Funds typically released within 48 hours of approval
Rates from 5.9% APR
Competitive rates from our panel of specialist lenders
What We Finance
From everyday essentials to specialist equipment, we have finance options for every need
Power Tools
- Drills & drivers
- Circular saws
- Impact wrenches
- Sanders & grinders
- Nail guns
Diagnostic Equipment
- Multimeters
- Thermal cameras
- Pipe inspection cameras
- Pressure testers
- Gas analysers
Heavy Machinery
- Mini excavators
- Scaffolding systems
- Lifts & platforms
- Compressors
- Generators
Specialist Equipment
- Welding equipment
- Pipe threading machines
- Cable pullers
- HVAC equipment
- Testing rigs
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 equipment serves as security for the finance.
You own the asset at the end
Tax Benefits:
Claim capital allowances (up to 100% under AIA for qualifying equipment). Interest is tax-deductible.
Best For:
Equipment you'll use for years and want to own outright.
Finance Lease
Lower monthly payments than HP. At the end, you can continue leasing at a reduced rate, return, or sell on our behalf.
Asset returned at the end
Tax Benefits:
Full rental payments are tax-deductible. Particularly beneficial for high-value equipment.
Best For:
High-value equipment where you want lower monthly costs and full tax deductibility.
Operating Lease
Rent equipment for a fixed period at fixed monthly cost. Upgrade to newer equipment at the end.
Asset returned at the end
Tax Benefits:
Full payments deductible. Equipment stays off your balance sheet.
Best For:
Technology or equipment that quickly becomes outdated and needs regular upgrading.
What Tradesmen Say About Us
4.9/5 from 500+ reviews on Google
"Financed a complete Festool dust extraction system. The monthly payments are manageable and the gear pays for itself on every job. Should have done it years ago."
Mark J.
Carpenter • Bristol
MJ Carpentry
Financed £8,500"Got a thermal imaging camera and full Megger test kit on finance. Win work I couldn't before and the equipment's already paid for itself."
Tony B.
Electrician • Sheffield
T.B. Electrical Services
Financed £12,000"We financed a mini excavator and it's transformed what jobs we can take on. The process was straightforward and the payments fit our cashflow."
Paul & Sons
Groundworkers • Kent
Paul & Sons Groundworks
Financed £45,000Ready to Get Started?
Get a free, no-obligation quote in minutes. Our team of trade finance specialists will find the best equipment 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 £10,000 over 36 months. Monthly payment: £310. Total repayable: £11,160.7.9% APR representative.
Equipment Finance Quote
Finance tools, machinery & equipment
Frequently Asked Questions
Got questions about equipment finance? We've got answers.
We finance virtually any trade equipment - from hand tools and power tools to heavy machinery, diagnostic equipment, vehicles, and specialist tools. If it helps your business, we can likely finance it. The minimum is £1,000.
Equipment finance is available from £1,000 to £500,000 depending on your business circumstances and the equipment value. For amounts over £100,000, we may require additional documentation.
Many of our equipment finance options require no deposit. However, putting down a deposit (typically 10-20%) can reduce your monthly payments and may help secure a better interest rate.
Yes, we can finance both new and used equipment, as long as it's in good working condition and from a reputable supplier. For used equipment, we may ask for an independent valuation.
With Hire Purchase, you own the equipment after the final payment and can claim capital allowances. With leasing, you return or sell the equipment at the end, but monthly payments are fully tax-deductible. HP suits equipment you'll keep long-term; leasing suits equipment you'll upgrade regularly.
Yes, we consider all credit backgrounds. We look at your trading history, current work pipeline, and ability to repay - not just your credit score. Many of our successful applicants have had credit issues in the past.
Once approved and paperwork signed, we can pay the supplier within 24-48 hours. Some suppliers hold stock and can deliver immediately; others may have lead times.
Yes, you can choose your own supplier - whether that's a major retailer like Screwfix or Toolstation, a specialist supplier, or even a private sale. We pay the supplier directly once approved.
Yes. With HP, you can claim capital allowances (potentially 100% in year one under the Annual Investment Allowance) plus deduct interest. With leasing, 100% of payments are deductible. Always consult your accountant for advice specific to your situation.
You're responsible for maintenance and repairs during the finance term, just like if you'd bought it outright. We recommend equipment insurance or extended warranties for high-value items.