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.

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Quick Snapshot

Borrowing Range

£20,000 – £5,000,000

Term

12 – 84 months

Typical Rate

3.7% – 15%

Security

Usually the asset itself

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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.
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Why Choose Asset Finance?

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
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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
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Is it right for me?

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:
Need revolving working capital → consider a Business Loan or RCF
Want to raise cash from owned equipment → look at Asset Refinance

Frequently Asked Questions

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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

Ready to Fund Equipment Without Freezing Cash?

Find Your Funding