Short-term finance when you need it most

Business, Personal & Property Bridging Loans


Flexible equipment finance to help you stay competitive

Empowering Growth & Efficiency

Equipment finance, also known as asset finance or asset rental finance, is a financial solution that enables businesses to acquire, upgrade, or replace essential equipment without the upfront capital expenditure. This form of finance offers flexibility and efficiency, allowing companies to keep pace with technological advancements and maintain competitive edge. It’s tailored to support businesses in various industries, ensuring that they have access to the necessary tools and machinery while managing cash flow effectively. Whether for small-scale purchases or significant investments, equipment finance provides a pathway to growth and operational efficiency.

Key Features:

Flexible Repayment Options

Offers tailored repayment plans to suit business cash flow.

Up-to-Date Technology Access

Enables businesses to access the latest equipment without large capital outlay.

Tax Benefits

Potential tax advantages, as payments can often be deducted as business expenses.

Preservation of Working Capital

Conserves cash reserves by avoiding the need for lump-sum payments.

Customizable Terms

Terms can be adjusted to match the equipment’s usage and business needs.

End of Term Flexibility

Options to purchase, return, or upgrade equipment at the end of the term.

How Does Asset Finance Work?

Equipment finance works by allowing businesses to lease or finance the purchase of necessary equipment. A finance provider pays for the equipment, which the business then uses in exchange for regular payments. These payments are spread over an agreed period, making it easier to manage cash flow. At the end of the term, depending on the agreement, businesses can choose to purchase the equipment, continue leasing, or upgrade to newer equipment. This financing approach is ideal for businesses needing expensive equipment without the upfront costs.

Asset Classes

Asset classes typically covered by equipment finance include a wide range of business assets. These can range from heavy machinery and industrial equipment for manufacturing, to office technology like computers and printers. Vehicles used for business purposes, such as trucks and delivery vans, are also commonly financed.

Additionally, specialized tools and equipment required in sectors like construction, medical, and hospitality are included. The variety of assets covered makes equipment finance a versatile option for different business needs.

Who Should Apply?

Asset rental finance should be considered by businesses that require expensive equipment to operate but prefer not to tie up large amounts of capital in asset purchases.

This includes startups needing to conserve cash, established businesses aiming to upgrade or expand, and companies facing rapid technological changes in their industry.

It’s also beneficial for businesses with seasonal operations or those seeking to manage cash flow effectively while maintaining access to the latest equipment.

Frequently Asked Questions

What is equipment finance?

Equipment finance is a way for businesses to access necessary equipment without paying the full cost upfront. It involves leasing or financing the purchase through regular payments over a set period.

Who can benefit from equipment finance?

Any business needing expensive equipment but wanting to preserve cash flow can benefit. It’s especially useful for businesses facing rapid technological changes.

What types of equipment can be financed?

A wide range of assets, including industrial machinery, office technology, business vehicles, and specialized tools, can be financed.

Are there tax benefits to equipment finance?

Yes, payments for equipment finance can often be tax-deductible as business expenses, offering potential tax benefits.

What happens at the end of the finance term?

Depending on the agreement, you can purchase the equipment, extend the lease, or upgrade to newer equipment.

Is it better to lease or buy equipment?

This depends on your business’s financial situation, equipment needs, and long-term plans. Leasing offers flexibility, while buying can be cost-effective in the long run.



This form applies to the following bridging loan categories:

Equipment Finance (Asset Finance)

Please only submit the form ONCE! Check your inbox (and spam folders) for a confirmation email.