Hospitality Finance
How to finance a commercial coffee machine for your cafe or restaurant
A practical guide to coffee machine finance, the structures to compare, likely costs and what lenders usually want to see.
Read this guide →FCA Authorised Business Finance Broker
Fast, flexible business finance for UK SMEs, 100+ lenders, decisions from 30 seconds.
Get the equipment, vehicle or capital you need with an answer before the end of the day.
£5,000 to £500,000 in funding
Speak directly with a UK specialist
Apply, today, receive an offer tomorrow
Access to 100+ leading lenders
Step 1 of 3
Funding requirement
How much funding do you need?
Tell us what you need and we'll find the right route.
Loan amount
£5,000
Monthly payment
£169
£5,000£500,000
For facilities over £500,000, speak to a specialist directly
*Illustrative only, based on 9.25% representative APR and subject to lender assessment. Submitting this form is free and won't impact your credit score. Finding Capital Ltd is an independent finance brokerage, not a lender, and we work with a panel of lenders to find suitable arrangements for our clients.
Tell us about yourself
Search your business, then add the contact details you want us to use.
Selected company
Company Number-
Status-
Type-
Incorporated-
Tell us about your business
A few commercial details help us judge the most suitable route before we come back to you.
Enquiry submitted. We have received the funding amount and contact details and will come back to you directly.
30s
Decision Time
100+
Lender Panel
£2m
Maximum Facility
FCA
Authorised Broker
What We Do
Finance solutions built
for growth
01
Equipment Finance
The machine, the equipment, the kit, funded and delivered without touching your cash reserves.
Learn More ↗02
Business Loans
Take on the contract. Hire the team. Open the next site. The capital to back your next move, structured around how your business actually works.
Learn More ↗03
Vehicle Finance
The van on the road. The fleet ready for the contract. Funded around your cash flow, not against it.
Learn More ↗04
Supplier Partners
Let your customers say yes on the spot. Give your sales team a finance option that closes deals without slowing them down.
Learn More ↗How It Works
From enquiry to funded
in four steps
01
Initial Enquiry
Tell us what you need in 3 simple steps. No jargon, no credit search at this stage, just a straight forward conversation we can find the right route for you.
02
Discovery & Match
We search 100+ lenders and hand-pick the right fit for your business. Not the easiest option, the best one.
03
Fast Decision
Get an answer fast, not a holding email or a bank queue. Straightforward cases get a decision in as little as 30 seconds.
04
Funds Released
Capital in your account or equipment on its way. You focus on the next stage, we handle everything in between.
£2M
Maximum funding
Backing businesses
that dare to grow.
that dare to grow.
Why Finding Capital
Fintech speed.
Human expertise.
We use technology to move faster, then back it up with specialist knowledge and real lender access, so the route is quicker, clearer and more likely to fit.
Technology-Driven Speed
An answer today, not next week. Decisions can come in as little as 30 seconds, not the days or weeks a bank often takes.
Whole-of-Market Access
Even if your bank said no, our 100+ lender panel includes specialist funders who look at businesses others won't touch.
FCA Regulated Broker
You're protected throughout. We're transparent about commission, regulated by the FCA, and always working in your interest, not the lender's.
Dedicated Case Management
One named advisor, start to finish. No being passed around, no starting the conversation again. The same person sees your case through to funded.
Our Products
Finance structured
around your goals
Equipment Finance
Hire Purchase & Finance Lease
Spread the cost of business-critical equipment across manageable monthly payments while maintaining operational cashflow.
£1K - £500K
Typical funding range
Facilities over £500,000, speak to a specialist.
- Get the asset in place without draining working capital
- Spread the cost over a term that matches how the asset earns
- Machinery, technology, plant and specialist equipment
- Keep cash free for wages, stock and day-to-day operations
Business Loans
Unsecured & Secured Business Loans
Flexible capital solutions from our 100+ lender panel, including unsecured loans, secured lending and growth capital to fuel your next phase.
£1K - £500K
Typical funding range
Facilities over £500,000, speak to a specialist.
- Move quickly on an opportunity without waiting for a bank
- Unsecured options available for the right business profile
- Working capital, growth funding and cashflow support
- Decision available in as little as 4 hours on suitable cases
Vehicle Finance
Commercial & Fleet Vehicle Finance
Single vehicles to full commercial fleets. We source competitive HP, lease and contract hire packages tailored to your business needs.
£1K - £500K
Typical funding range
Facilities over £500,000, speak to a specialist.
- Single van or full fleet, funded and on the road fast
- Structured around your cashflow, not against it
- Commercial vehicles, HGVs, cars and EV options
- Contract hire and HP available depending on your goals
Why Businesses Choose Finding Capital
The support that gets your deal done, not just described
We combine real lender relationships with specialist knowledge so your enquiry goes to the right place first time, not into a queue of rejections.
FCA authorised
Regulated credit broker support, clear disclosure and a documented customer journey from first enquiry to payout.
100+ lenders
A broad lender panel covering asset finance, vehicle finance, unsecured loans, invoice finance and specialist facilities.
32 years experience
Combined senior experience across equipment finance, vehicle funding and wider commercial lending for UK businesses.
Common Questions
Common questions before
you enquire
Quick answers to the questions we hear most often from UK businesses comparing finance options.
Will checking my options affect my credit score?
No. An initial enquiry with us is designed to help you understand the right route first. If a formal lender credit search is needed, that only happens when you choose to proceed and give permission for that next step.
How quickly can I get a decision?
Straightforward cases can receive an initial decision in as little as 30 seconds, while more complex applications may take longer depending on the lender, amount and documents required.
Can startups or newer businesses apply?
Yes. Some lenders will consider younger businesses and startups, although the product, deposit expectations and guarantee requirements can vary by sector and trading profile.
Do I always need a deposit?
Not always. Many facilities can be structured with no deposit, although some cases may require a contribution depending on the asset, trading history and lender appetite.
Recent Deals Funded
Real funding.
Real businesses.
A selection of recently funded deals arranged through the Finding Capital lender network.
£45,000
Finance Lease
Embroidery & Printing Equipment
£120,000
Hire Purchase
Commercial Vehicle Fleet (5 units)
£80,000
Asset Finance
Commercial Kitchen Installation
Examples shown are for illustrative purposes. Deal sizes, terms and approval times vary by applicant and lender. Past performance is not a guarantee of future results.
Latest From The Blog
Explore a few useful
business finance guides
Short, practical reads with real examples, worked costs and plain-English answers before you enquire.
Business Loans Guide
Business loans UK guide for growing SMEs
Compare unsecured loans, secured lending, revolving credit and invoice finance to see which route best fits your next move.
Read this guide →Vehicle Finance Guide
Vehicle finance guide for UK businesses
Understand hire purchase, finance lease, contract hire and PCP before choosing the right vehicle finance route for your business.
Read this guide →