Spread the cost of your next purchase with asset finance

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We can offer the following asset finance options:

Finance lease

Need new equipment or vehicles without the burden of ownership? A finance lease works in a similar way to renting, at the end of the agreement you will be able to return the equipment, meaning you aren’t left with out-dated equipment.

Hire purchase

If you’d prefer to own the new asset at the end of the term then a hire purchase could be for you. This works in a similar way to a finance lease, but your monthly payments will be working towards full ownership at the end of the agreement.

Operating lease

For those needing plant, machinery or tools to carry out their trade, an operating lease gives you the flexibility of monthly payments with a final term payment based on the different between the original purchase price and the final residual value.


Often described as a way of ‘unlocking’ cash, refinancing is a type of asset finance that uses existing items in your business as security. This means that you can take out finance based on the value of something your business already owns.

Hire purchase

Are you looking to buy your next asset on a hire purchase (HP) agreement?

Hire purchase by definition is a method of paying for something in which the buyer pays part of the cost immediately and then makes small regular payments until the debt is completely paid.

This process allows your business to purchase the equipment that it needs, without a large initially outlay that would have a negative impact on the cash flow.

Your business would have full control of the asset during the hire purchase agreement, whilst the fixed monthly payments would cover the outstanding balance, interest and asset depreciation.

With a small deposit, you would be able to spread the remainder of the balance over a fixed period, at a fixed rate. This allows for easy budgeting as the monthly amount will be fixed over the term.

Once the final payment is made, ownership of the asset transfer to your business. Common industries that use this type of agreement tend to be manufacturing, construction, agriculture and farming, transport and logistics, engineering and professional services such as dentists or private medical centres.

Due to the nature of these industries, the equipment that they require tends to be expensive and it is more beneficial to use hire purchase agreements to obtain that equipment.

We have various funders who can offer hire purchase agreements, all cover hard assets and a few niche funders who will consider soft assets.

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Are you looking for a hassle free loan application with
no hidden fees and no upfront charges?

We are continually reviewing funding providers to bring you choice, competitive rates and flexibly to access the right finance, at the right time. But most importantly, we are passionate about what we do. This is evident in our enthusiasm and commitment to assisting you at each stage and after you have secured your finance.

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Hire purchase asset finance specialists

We help all types of businesses to access asset finance. By connecting you with an extensive panel of reputable lenders, our team can bring you choice and competitive asset finance.

If you have any questions on how asset finance might work for your business please do get in touch with our team, we will be pleased to help.

Contact our hire purchase asset finance team today

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