Fast Equipment Finance for UK Businesses

Summary: Fast Business Loans helps UK limited companies and SMEs access equipment finance of £10,000 and above by matching them with experienced lenders and brokers. Complete a quick, no-obligation enquiry to receive free eligibility checks and tailored quotes from providers who specialise in machinery, vehicles, medical and catering equipment, EV fleets and more. Submitting an enquiry does not affect your credit score — it simply helps us match you to the best partners.

Trust signals: quick matching, free to use, no obligation. Typical response: within 24–72 hours from matched brokers.

Why use our equipment finance matching service?

Searching for the right equipment funding can take hours and still leave you with unsuitable offers. Fast Business Loans streamlines that process by matching your business to lenders and brokers who specialise in asset funding. We’re free to use and focused on quick, relevant connections.

• Save time — we shortlist suitable lenders and brokers for you.
• Better matches — partners who understand your sector and asset type.
• Free and no obligation — submit one enquiry, receive multiple options.
• Discreet & secure — your details are only shared with selected partners.

Start Your Enquiry

How equipment finance works via Fast Business Loans

Here’s a simple four-step process:

1. Complete a short enquiry: Tell us a few details about your business and the asset you want to fund — it takes under 2 minutes.
2. We match you: We connect your enquiry to lenders or brokers experienced with your asset and industry.
3. Receive offers: Matched partners contact you directly with indicative quotes or to request further documents.
4. Compare and decide: Review the options and proceed with the provider that suits you. There’s no obligation to accept any offer.

Fast Business Loans is an introducer — we do not lend or provide regulated financial advice. Any finance is subject to status, affordability checks and the lender’s terms.

Free Eligibility Check

Funding options we can help you access

Different assets and business objectives suit different funding structures. We’ll match you with partners who can arrange the right type for your needs.

Hire Purchase

Ownership transfers to you after final payment. Suitable when you want to own the asset at the end of the term.

• Ideal for: machines, vehicles, specialist equipment.
• Typical terms: 1–5 years; amounts from £10,000 upwards.

Finance Lease

Lender retains ownership; you pay for the asset over an agreed term, often with lower upfront cost than purchase.

• Ideal for: high-value equipment where ownership can remain with less capital impact.
• Typical terms: 2–7 years depending on asset life.

Operating Lease

Lease agreements where you return the equipment at term end — useful for rapidly depreciating tech or fleet turnover.

• Ideal for: IT systems, vehicles, short-life equipment.
• Typical terms: shorter terms aligned with useful life.

Asset Refinance

Raise cash by refinancing existing owned equipment — useful for working capital or consolidation.

• Ideal for: freeing working capital without selling assets.
• Typical ranges: depends on asset value and lender appetite.

Industries & equipment we commonly support

We match businesses across a wide range of sectors to lenders who specialise in their market:

• Construction — excavators, cranes, plant machinery
• Manufacturing & engineering — CNC machines, presses, production lines
• Healthcare — imaging equipment, clinical devices
• Hospitality & catering — ovens, refrigeration, full kitchen fit-outs
• Agriculture — tractors, combines, specialist farm kit
• Logistics & transport — vans, HGVs, pallet equipment, EV fleets
• Retail & e‑commerce — POS systems, shelving, packaging machinery
• IT & telecoms — servers, workstations, network hardware

Example assets: CNC routers, MRI scanners, catering lines, refrigerated trailers, EV chargepoints, commercial vehicles and AV systems.

See if we can support your sector – Get Started

Equipment finance calculator snapshot (illustrative)

Illustrative figures only. Actual rates and monthly payments depend on lender pricing, deposit, VAT treatment and credit assessment.

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Eligibility & documentation checklist

Typical information lenders or brokers will request to assess equipment funding:

• Company details: registered name, registration number, address
• Trading history: years trading, key directors
• Turnover band and recent financials (management accounts, accounts)
• Details of the asset: make, model, cost, new/used, anticipated delivery date
• Bank details and any existing finance agreements
• Copy ID for key directors and proof of address may be requested

If you have limited trading history or non-standard credit, still submit the form — many brokers specialise in alternative cases.

Complete the quick form for a free eligibility review.

Costs, rates & repayment considerations

What affects cost and terms?

• Asset type & age: newer assets generally attract better rates.
• Deposit: some structures may require a deposit; others can be 100% finance depending on provider.
• Term length: aligned with the useful life of the asset to avoid negative equity.
• Credit profile: company and director credit can influence pricing and security required.
• VAT treatment: VAT may be payable upfront on some deals or included in monthly payments — check with the lender.

Common questions:

Will I own the asset at the end?

With hire purchase you typically become the owner after the final payment. Leasing may leave ownership with the funder unless there’s a purchase option.

Does applying affect my credit score?

Submitting an enquiry via Fast Business Loans does not affect your credit score. Lenders may perform formal checks if you proceed with an application.

Compare Indicative Offers

Why UK businesses choose Fast Business Loans

We make equipment funding straightforward:

• Quick matching to suitable lenders and brokers.
• Access to a broad panel covering many asset types and sectors.
• Free to use with no obligation to accept offers.
• Clear next steps and privacy-conscious handling of your data.

Talk to a trusted equipment finance broker

Case study snapshot

An SME engineering firm needed to replace ageing CNC machines to increase capacity. They submitted a short enquiry and were connected to two brokers. Within 10 days they received three options: a competitive hire purchase with minimal deposit, a finance lease and a refinance proposal to release capital from existing assets. They chose a 48-month hire purchase of £120,000 — funded within three weeks.

See what we can do for your business

Frequently asked questions

What is equipment finance and how does it differ from a standard business loan?

Equipment finance is tailored funding where the asset often acts as security. Repayments and terms are usually structured around the asset’s useful life. Standard business loans are more general-purpose and may be unsecured.

How fast can I secure equipment finance after submitting an enquiry?

After you submit an enquiry, matched brokers or lenders typically respond within hours to a few days. Final approval and funding depend on lender requirements, valuation and documentation — many deals complete in 1–4 weeks, depending on complexity.

Do I need an established trading history?

While trading history helps, many lenders on our panel consider a range of cases. Provide as much information as possible so brokers can identify suitable funders.

Can I finance used equipment?

Yes — many lenders finance pre-owned equipment if it meets age and condition criteria.

Will completing the enquiry form affect my credit score?

No — submitting the enquiry does not affect your credit file. Lenders may perform credit checks later in the process if you proceed.

What happens after I receive offers?

You’ll review offers directly with the broker or lender, decide whether to proceed, and supply any additional documentation required. There’s no obligation to accept an offer.

Ready to explore your equipment finance options?

Fast Business Loans connects your business to experienced lenders and brokers so you can compare real offers quickly. Our service is free and there’s no obligation to proceed. We typically assist with finance of £10,000 and above.

Start My Free Equipment Finance Enquiry

Fast Business Loans — Trusted UK business finance introducer. We introduce businesses to lenders and brokers; we do not provide loans or regulated financial advice. Any finance is subject to status and affordability checks by the lending provider.

Related resource: learn more about specialist equipment finance options and when each structure is appropriate.

1) What is equipment finance and how does it work with Fast Business Loans?
A: Equipment finance lets your business fund machinery or vehicles using the asset as security, and Fast Business Loans matches UK SMEs to trusted lenders and brokers for free, with no obligation.

2) How quickly can I get equipment finance after I enquire?
A: Most businesses hear from matched brokers within 24–72 hours, and many deals complete in 1–4 weeks depending on valuation and documents.

3) Will completing the enquiry affect my credit score?
A: No—submitting our quick enquiry does not affect your credit score, though lenders may run checks if you proceed.

4) What types of equipment and industries do you support?
A: We help finance assets across construction, manufacturing, healthcare, hospitality, agriculture, logistics, retail and IT, including machinery, vehicles, medical and catering equipment, EV fleets and tech.

5) Can I finance used equipment?
A: Yes—many lenders will finance quality used equipment that meets their age and condition criteria.

6) What funding options can I access and who owns the asset at the end?
A: We can connect you to hire purchase, finance lease, operating lease and asset refinance, with hire purchase typically leading to ownership while leases usually leave title with the funder.

7) What are the typical amounts and terms available?
A: Facilities usually start from £10,000 with terms commonly 1–7 years, aligned to the asset’s useful life and your circumstances.

8) What information and documents will I need to provide?
A: Expect to share company details, trading history, recent financials, asset make/model and cost, bank details, and ID/proof of address for directors.

9) Do I need an established trading history or perfect credit?
A: Not necessarily—many partners consider start-ups or non-standard credit where the information is complete and the asset is suitable.

10) Do I need a deposit and how is VAT handled?
A: Deposits and VAT treatment vary by product and lender, with some options offering 100% finance and VAT either paid upfront or spread across rentals—your broker will confirm.