Introduction

Searching for equipment funding can be time-consuming and confusing. Whether you need new production machinery, a vehicle fleet, catering equipment or specialist medical devices, there are multiple finance routes — and the best option depends on your asset, sector and cashflow. Fast Business Loans helps you cut through the noise by introducing your business to lenders and brokers who specialise in the type of equipment you need.

We’re an introducer only: we don’t lend money and we don’t provide regulated financial advice. Instead, we match your enquiry with suitable finance partners so you can compare offers and choose the best fit.

Free Eligibility Check — Get Started No cost. No obligation. Typical response within hours.

Submitting an enquiry will not affect your credit score. Lenders or brokers may carry out credit or affordability checks if you proceed with an application.

What is equipment finance & why it matters

Equipment finance covers a range of products designed to fund the purchase, lease or replacement of business assets. Typical assets include manufacturing machinery, commercial vehicles, IT and telecoms equipment, catering and hospitality fit-outs, renewable-energy hardware and medical devices.

Why businesses use equipment finance:

• Preserve cashflow — spread the cost rather than large upfront capital expenditure.
• Upgrade faster — access newer or better tech without tying up working capital.
• Tax & accounting impact — different finance types can affect your balance sheet and VAT treatment (seek professional tax advice).
• Flexibility — buy, lease or refinance depending on your commercial goals.

Here’s why a quick match with specialist providers helps: lenders and brokers often specialise by industry and asset. A partner familiar with your equipment type is more likely to find competitive terms quickly.

Types of equipment finance you can access via our panel

Hire Purchase

Fixed-term agreement where you pay monthly instalments and own the asset at the end once the final payment is made. Best when you want ownership and predictable costs.

Finance Lease

The lender retains ownership while you have use of the asset for an agreed term. Often used for higher-value assets and commercial equipment where balance-sheet treatment differs to hire purchase.

Operating Lease / Rental

Shorter-term or off-balance-sheet options where you rent equipment. Good for assets that depreciate quickly or for seasonal needs.

Equipment Loans (Secured & Unsecured)

Loans can be secured against the new asset (or other business assets) or unsecured. Loan terms tend to be flexible; unsecured borrowing may have higher rates and stricter eligibility.

Refinance & Sale-and-Leaseback

Release cash from equipment you already own by refinancing or selling to a provider and leasing it back — useful for freeing up working capital quickly.

Quick comparison — what to consider:

• Ownership vs rental
• Impact on cashflow and balance sheet
• VAT treatment and tax implications (consult an accountant)
• Term length and residual values

If you want to read a practical guide on specific asset routes, see our detailed equipment finance overview: equipment finance.

Compare Equipment Finance Options — Get Started

Notes: final terms depend on lender assessment and eligibility; rates and structures vary.

How Fast Business Loans streamlines your equipment funding search

Here’s how our simple process gets you matched fast:

1. Complete a short enquiry form — tell us about the business, the asset and the amount required. (Takes under 2 minutes.)
2. We match your details with our panel of lenders and brokers who handle the asset or sector.
3. Partners contact you with a free eligibility check and discuss possible terms.
4. You compare offers and decide — there’s no obligation to proceed.

Fast facts: Our service is free for businesses. Typical enquiry response: within hours. Minimum facility size we normally help arrange: £10,000 and above.

Request Your Free Eligibility Check No cost. No obligation.

Industries & equipment we commonly support

We match across a wide range of UK sectors. Examples include:

• Construction — plant, diggers, tools
• Manufacturing & engineering — CNC, presses, production lines
• Transport & logistics — vans, HGVs, refrigerated units
• Hospitality & catering — ovens, dishwashers, kitchen fit-outs
• Healthcare — diagnostic machines, dental/clinic equipment
• Agriculture — tractors, harvesters, specialist farm equipment
• Renewables & sustainability — solar hardware, EV chargers, batteries

Case vignette (typical): A Midlands food manufacturer needed a new packaging line but couldn’t afford the full capital outlay. After submitting a short enquiry, they were matched with a broker who arranged a sale-and-leaseback on existing presses combined with a hire-purchase for the new line — cashflow improved and production scaled within weeks.

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Funding scenarios & custom solutions

Upgrading critical production machinery

Challenge: old kit limiting capacity. Solution: hire purchase or asset finance with terms matched to equipment life. Outcome: predictable payments and ownership at term end.

Launching a new service line with specialist equipment

Challenge: high up-front cost for niche tools. Solution: operating lease or staged finance to align payments with revenue ramp-up.

Releasing capital from owned assets

Challenge: cash tied up in equipment. Solution: refinance or sale-and-leaseback to release funds and maintain operational use.

Combining equipment finance with working capital

Some lenders can structure blended packages — asset finance alongside short-term working capital — to smooth the cashflow impact of expansion projects.

Talk to Equipment Finance Specialists — Free Eligibility Check

Costs, terms & eligibility — what to expect

Typical facility sizes: from around £10,000 up to several million, depending on lender capacity and asset type. Terms commonly range from 12 months to 7 years, though this varies by product and asset life.

Factors that influence pricing and eligibility:

• Type & age of equipment
• Business trading history and turnover
• Credit profile and existing liabilities
• Deposit or manufacturer contribution (if applicable)

Documentation lenders typically request: recent company accounts or management accounts, asset quotes or invoices, business bank statements and ID for directors. Your matched broker or lender will confirm exact requirements.

Important: All finance is subject to status and lender assessment. Fast Business Loans does not provide financial advice — consider speaking with your accountant or adviser if you’re unsure which product suits your business.

Why choose Fast Business Loans for equipment finance?

• Speed — quick matching so you get responses rapidly.
• Sector knowledge — we connect you with partners experienced in your industry and asset type.
• Choice — compare multiple lenders and brokers to find competitive terms.
• Free to use — there’s no charge for submitting an enquiry.
• Secure — we only share your details with providers relevant to your requirement.

Start Your Equipment Finance Enquiry No cost. No obligation.

Equipment Finance FAQs

What types of equipment can be financed?

Most business assets can be financed: machinery, vehicles, IT, catering, medical devices, renewable tech and specialist plant. Suitability depends on lender criteria.

Will enquiring affect my credit score?

No. Completing our short enquiry form does not affect your credit file. Specific lenders may carry out credit checks later if you choose to progress an application.

How quickly will I hear back?

Many partners respond within hours during business times. Complex transactions may take longer — your matched broker or lender will give an estimated timeline.

Is there a cost to use Fast Business Loans?

No. Our service is free for businesses. Any fees attached to a finance facility will be disclosed by the lender or broker before you commit.

Can I apply if I’ve been declined before?

Yes — different lenders use different underwriting criteria. We may be able to match you with providers more suited to your circumstances.

Get Quote Now — Free Eligibility Check

Next steps — ready to explore equipment finance?

1. Click the link below to complete a short enquiry (takes under 2 minutes). 2. We match you with lenders/brokers who handle your asset. 3. Receive quick, no-obligation quotes and decide which offer to progress.

Start Your Enquiry (Takes <2 Minutes) No cost. No obligation. Response within hours.

Suggested images (for editorial use):

• Factory floor with modern machinery — alt: “manufacturing machinery and equipment finance”.
• Business owner inspecting catering equipment — alt: “catering equipment finance for UK businesses”.
• Commercial vehicle fleet — alt: “fleet and vehicle finance options”.

Footer notes / disclaimer

Fast Business Loans Ltd is an introducer and does not provide loans or regulated financial advice. We connect businesses with lenders and brokers who may contact you directly. Finance is subject to status, terms and lender approval. Information on this page is for general guidance only — consider independent financial or tax advice for your circumstances.