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.
Asset Finance for UK Businesses: Compare the Right Lenders Faster
Summary: Asset finance helps UK companies fund vehicles, machinery, technology and other capital equipment without paying the full cost upfront. Fast Business Loans does not lend money — we match businesses seeking £10,000 and above with the best brokers and lenders for their needs. Complete a short enquiry (not an application) and receive tailored connections and quotes. Start your free eligibility check.
What Is Asset Finance and How Does It Work?
Asset finance is a broad category of funding that enables businesses to acquire, upgrade or refinance physical and tangible assets — for example vehicles, plant, machinery, IT hardware and specialist equipment — by spreading the cost over an agreed term. Instead of paying the full price up front, you pay predictable monthly amounts that preserve cash flow and working capital.
Common structures include:
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.
- Hire Purchase – you pay monthly instalments and own the asset at the end of the term.
- Finance Lease – you pay to use the asset for a term; ownership may remain with the funder.
- Operating Lease – short-term hire without ownership, often used for technology and vehicles.
- Asset Refinance – releasing equity from assets you already own to improve cash flow.
3-step overview: choose asset → complete a short enquiry (not an application) → we match you with specialist lenders/brokers.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Start Your Free Asset Finance Enquiry (takes under 2 minutes). No obligation — just information to help us match you.
Why UK Businesses Use Asset Finance
Businesses across the UK choose asset finance because it lets them grow or modernise without a large capital outlay. Key benefits include:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Preserve cash and working capital while spreading cost.
- Access up-to-date equipment and technology to remain competitive.
- Potential tax advantages depending on the structure and VAT position (seek your accountant’s advice).
- Flexible terms to suit seasonal cashflow or project timelines.
Asset finance is widely used in construction, manufacturing, transport, logistics, healthcare and other asset-intensive sectors. To compare suitable options quickly, get a free eligibility check.
Asset Finance Options Available Through Our Panel
New & Used Equipment Finance
Finance for plant, production machinery, manufacturing kit and specialist tools. Terms commonly 2–7 years; deposits vary by lender and asset age.
Vehicle & Fleet Finance
Funding for vans, lorries and cars including electric vehicles (EVs). Options include hire purchase, lease purchase and finance leases with solutions for small fleets or larger roll-outs.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset Refinance & Release of Equity
Free up working capital by refinancing existing owned assets. Useful for businesses wanting to restructure cashflow or invest in growth.
Short-Term Leasing & Hire Purchase
Flexible short-term leasing for projects, or hire purchase when you want ownership at the end. Suitable for IT, catering and temporary plant hire.
Our panel covers a wide funding range — from around £10,000 upwards — and includes lenders who specialise in low-deposit or tailored structures (subject to eligibility).
Get Quote Now to see options matched to your exact asset and business profile.
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.
How Fast Business Loans Makes Asset Finance Simple
We’re a matching service — not a lender. Our role is to connect you to the brokers and lenders who are most likely to help based on your sector, asset type and funding needs.
Our simple 4-step process
- Complete a short enquiry form — it’s not an application and won’t affect your credit score.
- We match your details with selected lenders and brokers in our panel.
- One or more partners contacts you to discuss options and request supporting documents.
- Compare offers and choose the best fit. You decide if you want to proceed.
We only share information with partners who can help your specific request. Our service is free to use; we only make revenue when a business completes an enquiry form and is connected to a provider.
Start Your Free Asset Finance Enquiry — takes under 2 minutes.
Who Qualifies for Asset Finance?
Eligibility varies by lender, but typical criteria include:
- Minimum loan/value: typically from £10,000 upwards.
- Trading history: many lenders prefer 12+ months trading, though some specialist partners help newer businesses.
- Turnover & profitability: ranges depend on lender and sector — brokers can advise which partners suit startups, seasonal or growing businesses.
- Credit profile: good credit helps, but there are options for businesses with past credit issues through specialist lenders.
- Asset condition & valuation: newer or well-maintained assets attract better terms; used equipment may need inspection or valuation.
Tip: Have recent management accounts, 3–6 months of business bank statements and an asset quotation ready before speaking to brokers.
Understanding Costs, Terms and Risks
Costs and terms depend on the lender, asset type and your business circumstances. Typical elements to consider:
- Deposits: Some lenders require a deposit; others offer low or zero-deposit deals depending on risk and asset.
- Term lengths: Commonly 2–7 years for equipment; vehicle finance terms vary by vehicle type and usage.
- Fees: Arrangement fees, documentation fees and early settlement fees may apply.
- Residual values: For leases, a final balloon/residual payment may be due.
- VAT: VAT treatment varies by asset and finance structure; check with your accountant.
Rates and approvals are subject to lender assessment. We do not provide financial advice — consider consulting an accountant or adviser for tax/financial implications.
Industries We Commonly Support
We work with brokers and lenders experienced in asset-intensive sectors. Examples include:
- Construction — plant, diggers, tools.
- Manufacturing & Engineering — CNC machines, presses.
- Transport & Logistics — vans, HGVs and fleets (including EV fleets).
- Healthcare — diagnostic and specialist medical equipment.
- Hospitality & Catering — kitchen equipment, fit-out finance.
- Agriculture — tractors, harvesters and farm machinery.
If you need a sector-specific solution, tell us about it when you Get Quote Now and we’ll match you to the right expert.
Real-World Scenarios: How Asset Finance Helps
Manufacturer upgrades CNC machine
A Midlands manufacturer replaced an ageing CNC unit using equipment finance. Monthly payments preserved working capital and allowed production to continue during installation. Fast Business Loans matched them to a broker who sourced a competitive hire purchase plan.
Logistics company expands EV fleet
A regional courier business financed a mix of electric vans via a tailored leasing package that included maintenance options. Matching to fleet specialists helped secure manufacturer-linked terms and support for grants where eligible.
Healthcare practice purchases diagnostic kit
An independent clinic funded new imaging equipment through a finance lease that minimised upfront cost and included service cover, improving patient capacity without large capital expenditure.
These snapshots are illustrative — outcomes depend on each business’s circumstances and lender decisions.
Ready to Start? Here’s What to Do Next
1. Click Get Your Free Asset Finance Quote and complete our short enquiry (not an application).
2. We match your request to lenders/brokers who specialise in your asset and sector.
3. Expect a call or email from a partner to discuss options and next steps.
4. Compare offers and decide — there’s no obligation to proceed.
Enquiry is quick, confidential and will not affect your credit score. Start Your Free Asset Finance Enquiry now.
Asset Finance FAQs
Is Fast Business Loans a lender?
No. Fast Business Loans is an introducer that connects UK businesses with brokers and lenders. We do not lend money or provide financial advice.
Will completing an enquiry affect my credit score?
Submitting an enquiry through Fast Business Loans does not affect your credit score. A lender or broker may conduct a formal credit check only if you choose to proceed with an offer.
Can I finance second-hand equipment?
Yes — many lenders and brokers finance good-quality used equipment, although terms and deposits may vary depending on asset age and condition.
How quickly can funding be arranged?
Timescales vary by product, provider and asset. Some funders can make decisions within 24–72 hours; others may take longer for larger or specialist deals. A matched broker will advise realistic timings.
Do you help businesses with less-than-perfect credit?
Yes. Our panel includes specialist brokers who work with businesses that have challenged credit histories, though options will depend on individual circumstances and affordability.
Do you cover green/sustainable assets?
Yes. We can connect you to lenders that offer finance solutions for EVs, solar PV, energy-efficient machinery and other sustainability projects.
Important Information
Fast Business Loans is an introducer and does not provide loans or financial advice. Matches are made using the information you provide in the enquiry form — this is not a loan application. Any offer of finance is subject to lender assessment, status, affordability and terms. Consider seeking independent advice regarding tax or accounting matters.
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For more detail on funding equipment specifically, see our dedicated asset finance resource on asset finance.
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– What is asset finance and how does it work?
Asset finance lets UK businesses spread the cost of vehicles, machinery, IT and other equipment via hire purchase, finance leases, operating leases or asset refinance instead of paying upfront.
– Is Fast Business Loans a lender?
No — we’re an introducer that matches UK businesses to trusted brokers and lenders; we don’t lend money or provide financial advice.
– Will completing your enquiry affect my credit score?
No, our quick enquiry is not a loan application and won’t affect your credit score; formal checks only occur if you choose to proceed with a provider.
– What assets can I finance?
You can finance vehicles and fleets (including EVs), plant and machinery, IT/technology, catering and medical equipment — new or good‑quality used.
– What’s the minimum amount you can help with?
Our panel typically supports asset finance from around £10,000 upwards, subject to the asset, lender and your business profile.
– How fast can I get a decision or funding?
Timelines vary by asset and lender, but some decisions are possible within 24–72 hours once the required information is provided.
– Do you help start-ups or businesses with less‑than‑perfect credit?
Yes, specialist brokers and lenders on our panel consider newer businesses and those with challenged credit, subject to affordability and asset quality.
– Do I need a deposit, or are zero‑deposit options available?
Deposit requirements vary by lender and asset, and low or zero‑deposit structures may be available subject to eligibility and risk.
– What documents will lenders usually ask for?
Expect to provide recent management accounts, 3–6 months of business bank statements and an asset quotation, with any extras requested by the lender or broker.
– Does it cost anything to use Fast Business Loans?
No — our matching service is free to use, with no obligation to proceed after you receive your tailored connections and quotes.