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.
Equipment finance for UK businesses: fast quotes, flexible terms
Summary: If your business needs new or used machinery, vehicles, IT, catering or medical equipment, equipment finance lets you acquire what you need without large upfront cash outlay. Fast Business Loans connects limited companies and growing SMEs to lenders and brokers who specialise in asset funding from around £10,000 upwards. Complete a short enquiry to get matched quickly and compare options with no obligation. Get a Free Eligibility Check
Why equipment finance matters for growing UK businesses
Upgrading or replacing business equipment can be expensive and time-sensitive. Equipment finance preserves working capital, spreads the cost, and helps you stay competitive—so you can win contracts, increase output and adopt newer, more efficient kit without depleting reserves.
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.
Common benefits:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Preserve cash and credit lines for day-to-day operations
- Access the latest technology or larger-capacity machines
- Match repayments to asset life or seasonal income
- Potential tax advantages (ask your accountant)
(All finance is subject to lender approval and affordability checks.)
How Fast Business Loans helps you secure equipment funding
We’re an introducer. We don’t lend. Instead we quickly match businesses with lenders and specialist brokers who can arrange equipment finance tailored to your needs. Our aim is speed, relevance and simplicity.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Step 1 – Complete our short enquiry form (under 2 minutes)
Tell us the business type, turnover band, what you want to fund and the approximate amount. This is not an application—just information that helps us match you to the right providers. Free Eligibility Check
Step 2 – Intelligent match with specialist partners
We connect you with brokers and lenders experienced in equipment deals for your sector. They review the details and, where appropriate, will contact you to get any additional information.
Step 3 – Compare options without obligation
Receive quotes, compare terms and choose the offer that suits your cashflow and ownership preferences. You decide whether to proceed.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
What types of equipment finance can we arrange?
Different structures suit different goals—ownership, balance-sheet treatment, or short-term use. Our partners arrange:
- Hire Purchase – spread the cost with an option to own at the end. Typical for businesses that want eventual ownership.
- Finance Lease – lender owns the asset; you pay to use it and often have a purchase option at term end.
- Operating Lease – like renting; often off-balance-sheet and useful for short-term use or regular upgrades.
- Asset Refinance – release cash by re-financing equipment you already own.
- Vendor Finance / Supplier Packages – finance offered via suppliers, sometimes bundled with service agreements.
High-level pros & cons: hire purchase gives ownership but may need a deposit; leases can be more tax-efficient for some businesses; refinance frees up working capital. Check with your accountant for tax and accounting implications.
Start my equipment finance 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.
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 snapshot: who can apply for equipment finance?
Our partners typically consider the following:
- Company type: limited companies and established SMEs
- Minimum transaction size: generally from around £10,000
- Trading history: longer trading history improves options (start-ups can still be considered but may need higher deposits)
- Turnover and profitability
- Business and director credit profiles
- Asset type, age and condition (used equipment can be funded subject to lender criteria)
Adverse credit
Some lenders specialise in applications where there are historic credit issues. Being open about circumstances helps your broker find the right panel.
How much can you borrow — and at what cost?
Typical funding ranges: dealings commonly start at £10,000 and can extend to £5m+ depending on the lender and the asset. Exact amounts depend on asset value, your business profile and the chosen funding type.
Deposit & term expectations
- Deposits: 0–30% is common depending on lender and asset condition.
- Terms: short terms (12–36 months) for tech or hire, medium to long terms (36–84 months+) for heavy machinery and vehicles.
Interest rates & fees explained
Rates and fees vary by lender, asset and risk. Examples are illustrative only and not an offer: a £100,000 hire purchase over 60 months could produce monthly payments from several hundred to low thousands depending on rate and deposit. Always request a full schedule showing APR, arrangement fees and any early settlement charges.
Figures are for illustration only; actual terms set by lenders and subject to status and affordability checks.
Lease or loan? Choosing the right equipment finance structure
| Feature | Loan / Hire Purchase | Lease (Operating / Finance) |
|---|---|---|
| Ownership | Borrower can own asset after final payment | Usually lender owns asset; options vary |
| Balance sheet | Asset and liability shown | Operating leases may be off-balance (accounting rules vary) |
| Flexibility | Good for long-term ownership | Better for short-term use or regular upgrades |
| Tax | Capital allowances may apply | Lease costs often allowable as business expense |
Choosing between leasing and buying depends on cashflow, balance-sheet preferences and how long you need the equipment. Speak to your accountant alongside the lender or broker proposals.
Industries we commonly support with equipment funding
Our panel has experience across many sectors. Typical examples include:
- Construction & civil engineering — excavators, plant and tooling
- Manufacturing & engineering — CNC machines, presses, production lines
- Hospitality & catering — ovens, refrigeration, kitchen fit-outs
- Healthcare & dental — imaging equipment, sterilisation units
- Logistics & transport — vans, trucks and fleet upgrades
- IT & telecoms — servers, workstations and communications hardware
Case highlight: a UK catering firm was connected to a broker who arranged funding for a new oven suite in under 10 days—allowing them to fulfil a major contract without tying up cash.
What documents will lenders ask for?
Provide clear paperwork to speed approval. Typical documents include:
- Latest management accounts or annual accounts
- Business bank statements (usually 3–6 months)
- Supplier/invoice quote for the equipment
- Details of existing finance agreements
- Director ID and personal credit information (where required)
Tip: complete our enquiry form first—your matched broker can confirm the exact documents the chosen lender requires.
Equipment finance FAQs
How quickly can equipment finance be approved?
Many partners provide an initial response within 24–48 hours once they have the required information. Final funding speed depends on checks, asset complexity and supplier paperwork.
Does submitting an enquiry affect my credit score?
No — submitting an enquiry through Fast Business Loans does not affect your credit score. A lender or broker may run a credit check only if you agree to proceed.
Can I finance used equipment?
Yes. Many lenders accept used kit subject to age, condition and valuation. Provide photographs and full descriptions in your enquiry.
What happens at the end of a lease?
Options vary: return the asset, make a purchase payment, or extend the lease. Your broker will outline end-of-term choices and any fees before you sign.
Are early settlement options available?
Some agreements allow early settlement with a rebate of future interest minus charges. Ask the lender for early-settlement terms prior to committing.
Do you charge business owners a fee?
Fast Business Loans is free for business owners. If any broker or lender fees apply, they will be disclosed before you agree to proceed.
Start your free eligibility check
Ready to explore equipment finance? Complete our short enquiry and we’ll match you to lenders and brokers who can provide fast quotes and tailored terms for your business. Typical response: same business day or within 24–48 hours.
Get Started — Free Eligibility Check
We only share your details with relevant partners who can help with your request. You’re under no obligation to proceed with any quote.
Important information & disclaimers
Fast Business Loans acts as an introducer and does not lend or provide regulated financial advice. We connect businesses with lenders and brokers who may contact you with offers. All finance is subject to status, affordability and lender terms. Illustrative figures are for information only and not offers. You should seek independent tax, accounting or legal advice about how finance will affect your business accounts.
– What is equipment finance and how does it work?
Equipment finance lets UK businesses acquire new or used machinery, vehicles or IT by spreading the cost via hire purchase, finance/operating lease or asset refinance instead of paying upfront.
– Can start-ups or businesses with bad credit get equipment finance?
Yes—some specialist lenders will consider start-ups and applicants with adverse credit, though you may need a higher deposit or provide extra information.
– How quickly can I get approved for equipment finance?
You’ll typically get an initial response within 24–48 hours once details are supplied, with funding speed depending on checks and supplier paperwork.
– Will submitting an enquiry affect my credit score?
No—Fast Business Loans’ enquiry is not an application and won’t affect your credit score; any credit check happens only if you choose to proceed.
– How much can I borrow and what will it cost?
Typical facilities start around £10,000 and can exceed £5m, with rates and fees set by the lender based on the asset and risk profile—always compare full quotes showing APR and charges.
– Do I need a deposit and what terms are available?
Deposits commonly range from 0–30%, with terms typically 12–84+ months depending on the asset type, age and your business profile.
– Should I choose a lease or hire purchase?
Hire purchase suits businesses wanting eventual ownership, while leasing suits shorter-term use or regular upgrades—your choice depends on cash flow, asset life and tax treatment.
– Can I finance used or second-hand equipment, or refinance assets I already own?
Yes—many lenders fund used equipment and offer asset refinance, subject to age, condition and valuation.
– What documents will lenders usually ask for?
Expect recent accounts, 3–6 months of business bank statements, a supplier quote, director ID and details of any existing finance.
– Are you a lender, do you charge fees, and am I obliged to proceed?
Fast Business Loans is an introducer (not a lender), our service is free with no obligation to proceed, and any broker or lender fees are disclosed upfront before you agree.