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 →Independent Finance Broker
Fast, flexible business finance for SMEs, leading lenders, decisions today.
Independent finance brokers working with leading lenders to help your business move quickly and confidently.
£2m maximum facility
Direct UK specialists
Access to leading lenders
Apply today, offer tomorrow
Step 1 of 3
Funding requirement
How much funding do you need?
Loan amount
£25,000
Monthly payment
£588
£5,000£500,000
For facilities over £500,000, speak to a specialist directly
*Illustrative quote and subject to lender assessment. Submitting this form is free and won't impact your credit score. Finding Capital Ltd is an independent finance broker, not a lender. We work with a panel of leading 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
32
Years Experience
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
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
We search our panel of leading lenders and hand-pick the right fit for your business. Not the easiest option, the best one.
03
Your Answer
A real answer from a real specialist. We tell you what we can do, what the options look like and what happens next.
04
Deal Done
Funded, delivered, done. You get back to growing your business.
£2M
Maximum funding
Backing businesses
that dare to grow.
that dare to grow.
Why Finding Capital
Fast answers.
Real lender access.
Technology helps us move quickly. Experience helps us place the case properly. That means a clearer route, a better fit and less wasted time for your business.
Technology-Driven Speed
Decisions can come in as little as 30 seconds, not days or weeks later.
Whole-of-Market Access
Our lender panel includes specialists your bank may never show you.
Independent Finance Broker
We stay transparent and work in your interest from the start.
Dedicated Case Management
One named advisor stays with your case from enquiry to funded.
Our Products
Finance structured
around your goals
Equipment Finance
Hire Purchase & Finance Lease
Fund business critical equipment, with fixed monthly payments built around you.
£1K - £500K
Typical funding range
Facilities over £500,000, speak to a specialist.
- Structured finance options tailored to your business model.
- The asset pays for itself while your cash stays working.
- Repayments aligned to the asset's earning cycle.
- From CNC machines to server racks to heavy plant.
Business Loans
Unsecured & secured loans, invoice finance, refinance
Flexible capital solutions to fuel your next phase, from working capital to growth funding.
£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 Finance Options
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
Your deal deserves more than one lender's opinion
Finding Capital match your business to the right lender before anything is submitted, so you protect your credit file and maximise your chances of approval first time.
We work for you, not the lenders
As an independent broker we're paid by lenders, not by pushing you toward any particular product. Full commission disclosure, every time.
100+ lenders, one conversation
Asset finance, vehicle funding, unsecured loans, invoice finance, specialist facilities — one enquiry reaches the lenders most likely to say yes to your specific deal.
Placed deals, not just applications
Three decades of combined senior experience in equipment finance, vehicle funding and commercial lending. We know which lenders move fast, which ones back start-ups, and which ones others won't even try.
The difference between a yes and a queue of no's
We match your business to the right lender before anything is submitted, helping protect your credit profile and improving first-time approval odds.
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 →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.