Acquire the plant, machinery, vehicles or equipment your business needs — without tying up working capital. Spread the cost over time and preserve your cash flow.
Asset finance allows businesses to acquire equipment, vehicles, machinery or technology without paying for it upfront. Instead of a large capital outlay, you spread payments over a fixed term — protecting your working capital while still putting the asset to productive use from day one.
There are several asset finance structures, each with different ownership and tax treatment implications. Choosing the right structure is where independent expertise adds real value.
You pay a deposit then fixed monthly instalments. You own the asset outright at the end of the agreement. Suitable for assets you plan to keep long term. Capital allowances may be claimed.
The lender owns the asset; you lease it for an agreed term and pay rentals. At the end, you can continue leasing, sell on behalf of the lender, or return it. Lease payments are fully tax deductible.
Similar to a rental arrangement. Lender retains residual value risk. Ideal for short-term use of high-depreciation assets like vehicles or technology. Off balance sheet treatment may apply.
Already own assets outright? Release capital by selling them to a finance company and leasing them back. Immediately unlocks cash while retaining full operational use.
"The choice between HP, finance lease and operating lease has real implications for your balance sheet and tax position. Most businesses default to the first option presented — often unnecessarily. We take the time to understand your accounting treatment preferences before recommending a structure."
Tell us what you need to acquire and we'll identify the right structure and lenders for your business.
Speak to a Specialist → 📞 01392 241669