Hire purchase, lease, or refinance?
Hire purchase spreads the cost and the asset is yours at the end - the usual route when you want to own the kit. Leasing keeps payments lower and the asset off your hands at end of term - often the better fit for vehicles and fast-depreciating equipment. Because the asset itself is the security, approval leans on the kit and the trading behind it rather than property.
Asset refinance works the other way: lenders advance against machinery, vehicles or equipment you already own outright, releasing working capital without selling the tools that earn it. We place all three structures across specialist funders and show you the cost of each on your numbers.
What asset finance pays for.
Vehicles and fleets
Vans, trucks and specialist vehicles - single units or whole fleets, new or used.
Plant and machinery
Excavators, production lines, agricultural and engineering kit - including auction purchases.
Equipment and fit-out
Catering, medical, IT and workshop equipment that earns its keep from week one.
Asset refinance
Release the equity in kit you already own and put it back to work as working capital.
How it works
Four steps. No jargon, no waiting rooms.
Tell us what you need
A 30-second enquiry. No credit check to get started.
Terms inside 48 hours
We match your case across 90+ lenders and come back with real numbers.
Track it in your portal
Documents, your portfolio and progress - one place, no email chains.
Funded
We drive the paperwork through to completion. You do the deal.
A typical asset finance case
Questions, answered.
Hire purchase or leasing - which should we take?
If you want to own the asset at the end, hire purchase. If you'd rather lower payments and hand the kit back or upgrade at end of term, leasing. Your adviser prices both on the same asset so the trade-off is concrete, not theoretical.
Can we fund used or auction assets?
Yes - used and auction kit is routine for the specialist funders on our panel, including tight auction timescales. The asset's age and resale value shape the term and rate.
Can we raise money against kit we already own?
That's asset refinance - lenders advance against owned machinery, vehicles or equipment, releasing working capital while the kit keeps earning. Valuations are quick for mainstream asset classes.
Will enquiring affect my credit score?
No. The enquiry involves no credit check. A full application to a funder later usually involves a hard search, and your adviser tells you before that happens.
Talk to a human.
Two minutes to enquire, no credit check to get started. Or skip the form entirely - an adviser answers this number.
020 3861 3469Monday to Friday, 9am - 6pm · Whole-of-market