Asset Finance for UK Businesses
Match with trusted lenders and brokers fast — free eligibility check, no obligation. We connect UK companies seeking asset finance of £10,000 and above with the right finance partners.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Get Started — Free Eligibility Check
Takes under 2 minutes. Initial check won’t affect your credit score.
Summary: Asset finance helps UK businesses fund vehicles, machinery, IT and other equipment without a large upfront cost. Fast Business Loans does not lend; we match businesses (loan requests from £10,000+) with suitable lenders and brokers so you can compare offers quickly. Complete a short enquiry and we’ll introduce you to the best providers for your asset, sector and credit profile — no obligation.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
What is asset finance?
Asset finance is a way for businesses to acquire equipment, vehicles, machinery and other fixed assets without paying the full purchase price upfront. Instead of tying up cash, you spread the cost over a fixed term or lease the asset, keeping working capital free for day-to-day operations.
Quick reasons businesses use asset finance: preserve cash flow, upgrade technology, scale operations quickly and match payments to asset life.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How our matching service helps
Fast Business Loans is an introducer — we don’t provide loans or financial advice. Our role is to:
- Collect a short set of business details via a single enquiry form;
- Match your requirements to lenders and brokers experienced in your industry and asset type;
- Introduce you so the provider can give tailored terms and quotes.
This saves you time and increases the chance of a competitive offer from a lender who understands your needs.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Types of asset finance
Different structures suit different needs. Common types include:
- Hire purchase (HP) — you hire the asset and own it after the final payment.
- Finance lease — long-term rental with potential purchase options.
- Operating lease — off-balance-sheet rental, often shorter term.
- Refinance/asset refinance — release cash tied up in owned assets.
Want to learn more about specific options for vehicles, machinery or IT? See our detailed asset finance resources on the asset finance pillar page: asset finance.
Benefits & common use cases
Why UK businesses choose asset finance
- Preserve cash: Keep capital for growth rather than spending it on assets.
- Flexible terms: Match repayments to the productive life of the asset.
- Fast funding: Many lending partners can issue indicative terms in 24–72 hours.
- Tax planning: Possible tax and accounting benefits — check with your accountant.
Industries and assets we commonly support
Construction, manufacturing, logistics, healthcare, hospitality, farming and many more — we introduce lenders who fund:
- Plant and heavy machinery
- Commercial vehicles and fleets
- IT, telecoms and office equipment
- Medical devices and specialist equipment
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Eligibility & documents to prepare
Eligibility snapshot
- Funding requests from £10,000 upward.
- Lenders consider company trading history, turnover, cashflow and director credit profiles.
- Start-ups and established businesses can be introduced to different panels — suitability varies by lender.
Documents & information to have ready
To speed up quotes, prepare:
- Latest management accounts or filed accounts;
- Recent bank statements (3–6 months);
- Details of the asset (supplier quote, age, expected life);
- Company registration and director details.
Exact requirements differ by provider; completing our enquiry helps us match you to lenders most likely to approve your request.
Costs, rates & terms explained
Understanding asset finance costs
Rates and costs depend on: asset value and type, deposit amount, loan term, your business credit profile and the lender’s appetite. Additional charges may include arrangement fees, documentation fees or early settlement penalties. Fast Business Loans does not set rates — lenders do.
Indicative rate ranges (illustrative only)
As a guide — final offers depend on lender assessment:
- Well-secured, low-risk assets: typically lower rates;
- Specialist assets or weaker credit profiles: higher rates and stricter terms.
Always review the full terms and seek independent tax/accounting advice if needed.
Our 4-step matching process
- Complete a short enquiry — tell us what you need and the asset details.
- We shortlist partners — lenders and brokers who understand your sector and asset.
- We introduce you — providers contact you directly to discuss options and request documents.
- You choose — review quotes and accept the offer that best fits your business (no obligation from our side).
Typical response time: often within hours during business hours; full terms follow after document review.
Case study: Manufacturing line upgrade
A mid-sized manufacturer needed a £150,000 specialist press to increase production. After submitting a short enquiry, Fast Business Loans introduced three brokers who specialise in manufacturing assets.
Outcome: within 72 hours the client received two competitive proposals — a hire purchase and a finance lease. They chose a hire purchase with manageable monthly payments, keeping working capital available for materials. Result: output increased 30% within two months.
Client feedback: “Fast Business Loans connected us to lenders who understood our sector — it saved us weeks of searching.”
Asset finance vs Buying outright vs Bank loan
| Factor | Asset Finance | Buying Outright | Bank Loan |
|---|---|---|---|
| Cash flow impact | Low (spread payments) | High (large upfront cost) | Medium (repayments but capital retained) |
| Speed | Fast (days to weeks) | Immediate (subject to purchase) | Slower (can take weeks) |
| Flexibility | High (term/structure options) | Low | Medium |
| Security required | Often secured against asset | None | May require security/guarantees |
Conclusion: asset finance is often best when conserving cash and matching payments to asset life is a priority. For larger strategic purchases, compare all options with your advisers.
Frequently asked questions
What types of assets can be funded?
Vehicles, plant and machinery, IT and telecoms, medical equipment, commercial kitchen equipment and many other business-critical assets — subject to lender criteria.
Does completing the enquiry affect my credit score?
No. Our initial eligibility check is soft and does not affect your credit file. Lenders may perform a formal credit check later with your consent.
How quickly will I hear from a lender?
Many partners respond within 24–72 hours once they have all required documents. Complex deals may take longer.
What happens if we miss payments?
Missed payments are handled by the lender under the agreement you sign — this can include fees or, in serious cases, asset repossession. If you foresee problems, contact the lender early to discuss rescheduling.
Are there any fees for using Fast Business Loans?
Our service is free for businesses. We are paid by our finance partners when an enquiry converts, so there is no direct charge for submitting an enquiry.
Ready for a Free Eligibility Check?
Complete one short form and we’ll match you with lenders and brokers best suited to your asset and sector. No obligation, no cost — just fast, relevant introductions.
We only share your details with partners who can help — you remain in control of the next steps.
Compliance & transparency
Fast Business Loans is an introducer. We do not provide loans or financial advice. We connect businesses with lenders and brokers so you can receive tailored offers and decide what’s best for your company.
Your data is handled securely in line with our privacy policy and only shared with relevant finance partners when you consent. We recommend seeking independent tax or accounting advice before agreeing to any finance contract.
Last updated: . Reviewed by: Asset Finance Specialist.
– What is asset finance and how does it work? — Asset finance lets UK businesses acquire equipment, vehicles or machinery by spreading the cost via hire purchase, finance leases or operating leases, or by refinancing assets they already own.
– Is the enquiry an application, and do you lend directly? — No; the enquiry is a quick information form (not a loan application) and Fast Business Loans doesn’t lend or give advice—we introduce you to suitable UK lenders and brokers.
– Will completing the eligibility check affect my credit score? — No, our free eligibility check is a soft search that won’t affect your credit file; lenders may run formal checks later with your consent.
– What types of assets can I finance? — Plant and heavy machinery, commercial vehicles and fleets, IT/telecoms, medical devices, and office or specialist equipment—subject to lender criteria.
– What’s the minimum amount and do you help start-ups? — For asset finance we support requests from £10,000+, and we can introduce both start-ups and established SMEs to appropriate lender panels.
– How quickly can I get quotes or funding? — Many partners provide indicative terms within 24–72 hours once documents are received, with completion timing dependent on the asset and lender.
– What documents do I need to prepare? — Recent bank statements, latest accounts, full asset details and supplier quote, plus company and director information typically speed up quotes.
– How are rates and terms decided? — Lenders set rates based on asset type and value, deposit size, term length, your credit profile and their risk appetite, and they may add arrangement or documentation fees.
– Are there any fees or obligations to use Fast Business Loans? — No, our matching service is free for businesses and there’s no obligation to proceed after you’re introduced to providers.
– Can I refinance existing assets or settle early, and what if I miss payments? — Many lenders allow asset refinance and early settlement subject to their terms, while missed payments may incur fees and could lead to asset repossession—contact the lender early if you foresee issues.