Asset Finance · Equipment · Machinery · Vehicles

Asset finance that keeps your cash in the business

Spread the cost of the vehicles, machinery and equipment you need and keep your cash for the business. 75+ UK lenders, one expert, start to finish.

Check your eligibility or call 01234 413349

Takes 2 minutes · Won't affect your credit score

  • FCA Regulated
  • 75+ Lenders
  • Fast Decisions
  • ★★★★★Rated on Google

The benefits

Why businesses choose us for asset finance

Keep your cash

Spread the cost and protect the working capital you need to run and grow.

Fast decisions

Most approvals within 24 hours, so you can move when the opportunity's there.

Tax efficient

Payments can often be offset against taxable profit always check with your accountant.

Flexible terms

Repayments structured around your cash flow, not the other way round.

Whole of market

We compare 75+ UK lenders to find your best fit, not just one.

One expert, start to finish

A single account manager who knows your deal inside out.

Your options

Hire purchase, finance lease or contract hire

Three simple ways to spread the cost we'll help you pick the one that fits.

Own it at the end

Hire Purchase

Pay in fixed monthly instalments, and once the final payment is made the asset is yours outright.

Best for businesses that want long-term ownership
Lower upfront cost

Finance Lease

Rent the asset over an agreed term for a lower initial outlay. At the end, keep renting, return it, or sell it on the lender's behalf.

Best for flexibility and protecting cash flow
Hassle-free use

Contract Hire

Lease for a fixed period and hand it back at the end maintenance is often included, keeping costs predictable.

Best for predictable use without ownership

Not sure which option is right for you?

Talk it through with an asset finance expert no obligation, no impact on your credit score.

Check your eligibility or call 01234 413349

★★★★★Rated 5 stars by businesses on Google

“
Highly recommend — George and his team made the whole experience easy and hassle-free.
D
Danny Winfield
Google review
★★★★★
I highly recommend this firm — I've used them a couple of times now. Very efficient, always a quick and smooth process.
K
Kimmy Brazil
Google review
★★★★★
Anyone looking for business finance, look no further. From start to finish the process went very smoothly.
I
Inderjeet Singh
Google review
★★★★★

Tax calculator

Estimate your potential tax saving

See an illustration of the year-one tax saving when you finance an asset. For guidance only.

Finance product
Tax bill without financing£0
Tax bill after financing£0
Estimated year-1 tax saving£0

Illustrative only and not tax advice. Hire Purchase assumes the asset qualifies for 100% first-year relief (e.g. the Annual Investment Allowance); Finance Lease assumes first-year deductible rentals of around 20% of the asset cost, limited to reducing taxable profit to £0. Your actual position depends on your circumstances and the agreement — always speak to your accountant.

Asset finance FAQs

What is asset finance?
Asset finance lets you spread the cost of vehicles, machinery, equipment and other business assets over time, instead of paying the full amount upfront so you get the kit you need while keeping cash in the business.
What's the difference between hire purchase, finance lease and contract hire?
With hire purchase you own the asset once all payments are made. With a finance lease you rent it over an agreed term for a lower upfront cost. With contract hire you lease it and hand it back at the end, often with maintenance included. We'll help you choose the right fit.
What can I finance?
Cars and commercial vehicles, plant and machinery, workshop and manufacturing equipment, agricultural kit, IT and technology, and premises fit-outs new or used.
Can I finance used or second-hand assets?
Yes. Many lenders fund used and second-hand assets as well as new it depends on the asset, its age and its condition.
How quickly can I get a decision?
Many decisions come back within 24 hours, and funds can often follow within days once everything's in place.
What does asset finance cost?
Costs depend on the asset, the term, your business profile and the product. As a credit broker we compare 75+ lenders for competitive terms and set out the costs clearly before you commit. We may receive a commission from the lender, which varies and is confirmed before you proceed.

Ready to get started?

Apply for asset finance in minutes

Speak to an account manager or check your eligibility online no obligation, no impact on your credit score.

Call our team: 01234 413349 Check your eligibility online

Access Business Finance Ltd is a credit broker, not a lender, and an Appointed Representative of EFT Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 667290). We may receive a commission from lenders, which varies by lender and will be confirmed before you proceed.

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