Equipment Finance Guide
How asset finance works for UK businesses
A practical guide to how asset finance is structured, what lenders look for, and when it makes more sense than paying outright.
Read this guide →Get the equipment, the vehicle or the capital you need, and an answer before the end of the day.
Search your business, then add the contact details you want us to use.
A few commercial details help us judge the most suitable route before we come back to you.
The machine, the equipment, the kit, funded and delivered without touching your cash reserves.
Learn More ↗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 ↗The van on the road. The fleet ready for the contract. Funded around your cash flow, not against it.
Learn More ↗Let your customers say yes on the spot. Give your sales team a finance option that closes deals without slowing them down.
Learn More ↗Tell us what you need and why. No jargon, no lengthy forms, just a straight conversation so we can find the right route for you.
We search 100+ lenders and hand-pick the right fit for your business. Not the easiest option, the best one.
Get an answer fast, not a holding email or a bank queue. Straightforward cases get a decision in as little as 30 seconds.
Capital in your account or equipment on its way. You focus on the next stage, we handle everything in between.
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.
An answer today, not next week. Decisions can come in as little as 30 seconds, not the days or weeks a bank often takes.
Even if your bank said no, our 100+ lender panel includes specialist funders who look at businesses others won't touch.
You're protected throughout. We're transparent about commission, regulated by the FCA, and always working in your interest, not the lender's.
One named advisor, start to finish. No being passed around, no starting the conversation again. The same person sees your case through to funded.
Spread the cost of business-critical equipment across manageable monthly payments while maintaining operational cashflow.
Flexible capital solutions from our 100+ lender panel, including unsecured loans, secured lending and growth capital to fuel your next phase.
Single vehicles to full commercial fleets. We source competitive HP, lease and contract hire packages tailored to your business needs.
We combine real lender relationships with specialist knowledge so your enquiry goes to the right place first time, not into a queue of rejections.
Regulated credit broker support, clear disclosure and a documented customer journey from first enquiry to payout.
A broad lender panel covering asset finance, vehicle finance, unsecured loans, invoice finance and specialist facilities.
Combined senior experience across equipment finance, vehicle funding and wider commercial lending for UK businesses.
Quick answers to the questions we hear most often from UK businesses comparing finance options.
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.
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.
Yes. Some lenders will consider younger businesses and startups, although the product, deposit expectations and guarantee requirements can vary by sector and trading profile.
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.
A selection of recently funded deals arranged through the Finding Capital lender network.
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.
Short, practical reads to help you understand the products, structures and trade-offs before you enquire.
A practical guide to how asset finance is structured, what lenders look for, and when it makes more sense than paying outright.
Read this guide →Compare ownership, monthly cost, flexibility and end-of-term options to understand which route suits your purchase best.
Read this guide →See how leasing can affect cash flow, tax planning and equipment replacement cycles when a business is investing for growth.
Read this guide →