Unlock Your Business's Potential with Asset Finance
Award-winning finance solutions with 27 years of trusted experience.
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Navigating the world of business finance can be complex. That's why we're here to make it simple. With 27 years of trading and 7 UK best broker awards, our team of expert advisors across the UK is dedicated to finding the right asset finance solution for you. We're friendly, authoritative, and committed to your success.
What is Asset Finance?
Asset finance is a powerful tool that allows you to acquire the equipment, vehicles, or technology your business needs without paying the full cost upfront. Instead of tying up your valuable working capital, you can spread the cost over a fixed period. This makes it an ideal solution for managing cash flow while investing in growth.
The Building Blocks: Leasing vs. Hire Purchase
Finance Lease
A popular choice for businesses that want to use an asset for most of its working life. You pay a rental for the full use of the asset, and at the end of the agreement, you can choose to continue renting, return the asset, or sell it on behalf of the finance company and share in the proceeds.
Operating Lease
Similar to a rental agreement, an operating lease allows you to use an asset for a fixed period. This is perfect for assets that you need to update regularly, like technology or vehicles. At the end of the term, you simply return the asset, avoiding any worries about depreciation or disposal.
Hire Purchase (HP)
If your goal is to own the asset outright, Hire Purchase is the way to go. You'll pay an initial deposit followed by regular installments. Once the final payment is made, the asset is all yours. This is a straightforward path to ownership and is great for long-term investments.
How Asset Finance Can Drive Your Business Forward
Growing Your Business
Ready to scale up? Asset finance can help you acquire new machinery, upgrade your IT, or expand your fleet of vehicles without draining your cash reserves. This means you can take on bigger contracts and boost your productivity, all while maintaining a healthy cash flow.
Raising Cash for Your Business
Did you know you can unlock the value in the assets you already own? Through a process called asset refinance, you can release the equity in your existing equipment to generate a quick injection of cash for your business. This can be used for any purpose, from covering unexpected costs to funding new projects.
Buying a Business: MBOs and MBIs
Asset finance can be a key component in funding a Management Buy-Out (MBO) or Management Buy-In (MBI). The assets of the target company can be used as security to raise the necessary capital for the acquisition. We can work with you to structure a deal that combines asset finance with other products, such as our Business Loans or Commercial Mortgages, to ensure a successful transaction.
