Funding the kit that runs the business.

Asset finance funds the acquisition or refinance of tangible business assets: commercial vehicles, plant and machinery, production lines, IT and telecoms infrastructure, and yellow plant. Funding is secured on the asset itself, so headline rates are typically lower than unsecured term lending.

Three facility shapes cover most cases. Hire purchase transfers ownership at the end of the term and suits assets the business intends to retain. Finance lease keeps the asset on the lender's books, useful where balance-sheet treatment matters. Refinance releases equity from owned assets to fund unrelated growth or pay down higher-cost debt.

Asset finance is one of the deepest funder markets in the UK. Specialist funders price tightly for new equipment in mainstream sectors and have appetite for older or harder-to-place kit too. The work is finding which funder matches the specific asset profile.