Asset Finance

A useful finance option to help you grow your business by acquiring much needed capital equipment, vehicles and more.

What is Asset Finance?

Asset finance offers a flexible solution that allows your business to pay for equipment over a chosen period of time with fixed monthly payments. Businesses can use asset finance to buy new equipment, upgrade existing machinery, or acquire second-hand resources too.

Asset finance covers both ‘hard assets’ such as construction equipment, vehicles, and manufacturing machinery, and ‘soft assets’ such as office furniture, IT equipment, and solar panels. The type of security required by the lender will depend on the asset type, with hard assets primarily secured by the value of the equipment and soft assets secured with additional security.

This helpful finance solution is designed to support business investment and growth, helping to overcome the issue of upfront costs. By spreading out payments over a set period of time, small and medium-sized businesses can acquire the necessary assets without having to pay large sums of money upfront.

Low upfront costs

Asset finance allows businesses to acquire assets such as machinery, vehicles, or technology without the need for large upfront costs.

Frees Up Cash Reserves

By using asset finance you won’t tie up valuable cash reserves in your assets, leaving money for use elsewhere. Paying in monthly instalments for your asset will free up valuable working capital.

VAT deferral

A VAT deferral allows you to delay the payment of the VAT until after you have reclaimed the amount on your VAT return, improving cashflow.

Enables Business Growth

Businesses can invest in assets that enhance productivity and growth, increase capacity, or improve their competitiveness.

Flexible Repayments

Asset finance offers flexibility in repayment options, enabling businesses to choose a repayment plan that aligns with their cashflow.

Tax benefits

Asset finance will offer tax advantages for businesses. The interest payable on your agreements is tax-deductible as well as reclaiming capital allowances, reducing your overall tax liability.

£170,000 New Machine

One of our clients wanted to invest in a new machine to increase capacity and improve productivity.
Finance was secured with a VAT-only deposit and repayments spread over 5 years.

£480,000 Fleet investment

A North-West based food producer upgraded their fleet of commercial vehicles. The facility was secured with a VAT deferral, allowing them to take delivery of the vehicles and reclaim the VAT before paying any deposit.

What Asset Finance Is Right For Your Business?

Finance Lease

Get In Touch


71-73 Hoghton St, Southport, PR9 0PR



07795 662245

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