Risecap Asset Finance: HP & Lease Options

Asset Finance (HP / Lease)

Access Equipment Without Freezing Capital

Need vehicles, machinery, or tools but don’t want to drain your cash reserves? Asset finance helps you acquire business-critical equipment and spread the cost over time.

Find your funding

Quick Snapshot

Borrowing Range

£20,000 – £5,000,000

Term

12 – 84 months

Typical Rate

3.7% – 15%

Security

Usually the asset itself

Tagline

What Is Asset Finance?

Asset finance lets you acquire essential business equipment while preserving your working capital. It typically comes in two formats:

Hire Purchase (HP) – Own the asset at the end of the term
Finance Lease – Rent the asset over time, with upgrade or return options

Lenders pay the supplier directly, and you repay in monthly instalments while using the asset from day one.

Woman in a coat looking at the sea under a clear sky, reflecting on potential property financing options.

Man working from home on a laptop with a child sitting on his shoulders, surrounded by a cozy indoor workspace featuring a desk, chair, and natural light.

Tagline

Why Choose Asset Finance?

Checkmark symbol representing approval or success in financial services, relevant to bridging loans and quick property finance solutions.

Spread equipment costs while keeping cash reserves intact

Decide whether to own or lease based on your business needs

Improve tax efficiency through capital allowances or deductible lease costs

Fund new or used equipment

Access fast decisions and payments, often within 72 hours

Tagline

Why Choose Venture Debt?

Pay suppliers faster without upfront outlay

Scale orders without cashflow strain

Tap early payment discounts

Fund cross-border trade in multiple currencies

Smooth seasonal or bulk order cycles

An architect displaying his work to his team

working-from-home-ergonomic-workstation Large

Tagline

Is Asset Finance Right for Your Business?

Best when you:

Need operational or growth-related equipment

Want to preserve liquidity and avoid lump-sum outlay

Prefer a straightforward, asset-secured structure

Think twice if:

Bridging finance concept illustration, highlighting quick funding solutions for property transactions and auction deals, relevant to Risecap's financial services.

Need revolving working capital → consider a Business Loan or RCF

Want to raise cash from owned equipment → look at Asset Refinance

Frequently Asked Questions

Button Text

How quickly can I get the equipment?

Approval and supplier payment can happen within 48 to 72 hours

Do I need to offer additional security?

Usually not. The asset serves as security, and PGs are often limited or not required

Can I finance used equipment?

Yes. Many lenders accept used equipment depending on age and condition

Can I include VAT in the finance amount?

Often yes. This protects cash flow and avoids upfront outlay

What documents do I need to apply?

Supplier invoice or quote, management and filed accounts, and 3 to 6 months of business bank statements