Equipment Finance Solutions for UK Businesses

Summary: Fast Business Loans helps UK limited companies and SMEs find suitable equipment finance—hire purchase, leases, refinance and specialist funding—from £10,000 upwards by matching your business with lenders and brokers who understand your sector. This is not an application for finance; it’s a quick, no-obligation enquiry that lets our partners assess options and contact you with quotes. Ready to check eligibility? Get Started – Free Eligibility Check.

Why consider equipment finance?

Buying essential equipment outright can tie up capital and reduce flexibility. Equipment finance helps businesses spread the cost of machinery, vehicles, IT, catering gear or medical devices over time while preserving working capital. Typical benefits include preserving cash flow, matching payments to asset life, keeping up with technology through leases and releasing value from existing assets via refinance. Equipment finance may also include VAT treatment advantages and tax allowances depending on the facility and your accounting position.

If you’re investing in a production line, replacing ageing kit, refitting a café or upgrading IT, the right finance facility can allow you to act now while paying over a term that suits your business.

Free Eligibility Check — our quick enquiry helps us match you to lenders and brokers who specialise in your equipment type and sector.

How Fast Business Loans helps you secure equipment funding

Our simple 4-step process

• 1. Quick enquiry: Tell us basic business details, equipment type and the approximate funding amount (from £10,000+). The form is a pre‑qualification and does not commit you.
• 2. Smart matching: We match your enquiry with lenders and brokers that best fit your sector and requirements.
• 3. Rapid response: Selected partners contact you to request supporting documents and provide indicative quotes.
• 4. Compare and decide: Review offers, negotiate terms directly with lenders/brokers and proceed with the option that best suits your needs.

Trusted connections with specialist lenders & brokers

Fast Business Loans is an introducer that connects businesses with a panel of UK lenders and brokers experienced in commercial equipment finance. We focus on matching your enquiry to partners who understand your industry so you get relevant options faster. We don’t lend or give regulated financial advice — we make introductions so experts can offer tailored quotes.

Compare Equipment Finance Options – Get Quote Now

Types of equipment finance we can help you access

Different facilities suit different needs. Below are common options our partners arrange:

Hire Purchase (HP) & Lease Purchase

• Fixed repayments over an agreed term with the option to own the asset at the end (subject to final payment).
• Often used when outright ownership is the aim and you want predictable payments.

Finance Leasing & Operating Leases

• Leases that allow use of equipment without ownership. Operating leases can keep equipment off the balance sheet for some accounting treatments (seek broker/accountant guidance).
• Good for fast-changing technology or short-term needs.

Asset Refinance

• Release capital tied up in existing equipment to improve cash flow or fund growth.

Specialist sector funding

• Medical devices, agricultural machinery, construction plant, catering/kitchen fit-outs and fleet funding often require sector-specific underwriting — our partners include specialists for these areas.

Key features to compare: deposit requirement, term length, interest rate type (fixed or variable), balloon payments, VAT handling and maintenance/insurance obligations.

For more detail on common equipment finance routes, see our equipment finance resource: equipment finance.

Eligibility and application checklist

Exact criteria vary by lender. The checklist below summarises typical requirements lenders consider when assessing equipment finance enquiries:

• Minimum funding amount — our partners typically arrange facilities from £10,000 upwards.
• Business structure — limited companies and established SMEs are commonly supported.
• Trading history and turnover — many lenders prefer evidence of trading and sustainable revenues.
• Bank statements and management accounts — recent accounts help speed decisions.
• Director(s) details and ID — for KYC and affordability checks (credit checks only with your consent).
• Equipment details — supplier quotes, invoices, expected lifespan and usage.
• Sector risk — certain industries may require specialist underwriting or different deposit/term profiles.

Complete our short enquiry to find which lenders or brokers are most likely to present a suitable option: Free Eligibility Check (takes under 2 minutes).

What to expect after you apply

After submitting your enquiry:

• We match and forward your details to selected partners. They will contact you directly by phone or email to discuss options.
• Indicative quotes and terms are provided based on initial information; lenders may request documents to issue a formal offer.
• Timescales vary: some offers can be provided within 24–72 hours for straightforward cases; specialist or larger facilities may take longer.
• Proceeding to a formal application may involve credit checks — partners will confirm this before any checks are performed.

Costs, terms and things to compare

When comparing equipment finance offers, consider:

• Annual percentage rate or interest margin and whether it’s fixed or variable.
• Upfront fees or arrangement charges and ongoing administration fees.
• Deposit levels or initial rental payments.
• Balloon payments or residual values at the end of the term.
• Who is responsible for maintenance, insurance and licensing during the term.
• Tax and accounting treatment — check with your accountant how the facility will affect your balance sheet and tax allowances.

Specialist brokers often secure better overall value by negotiating terms and sourcing multiple quotes. If you want tailored support, our partners include brokers who can help you compare all these elements.

Speak to specialist brokers – Get Started

Industries we commonly support with equipment finance

Our panel regularly arranges finance for equipment across many sectors, including (but not limited to):

• Construction and plant hire
• Manufacturing and engineering
• Healthcare and medical equipment
• Hospitality, catering and restaurants
• Agriculture and farming
• Transport and logistics (fleet finance)
• Retail and e‑commerce (POS and fit-out equipment)

We match you with lenders/brokers who have experience in your industry to improve the quality and speed of responses.

Success snapshot (illustrative)

Illustrative example: A medium-sized catering company needed a new commercial kitchen and refrigeration system worth £85,000. After a quick enquiry, the business was introduced to two specialist brokers. Within 10 working days the chosen broker arranged a hire purchase deal with affordable monthly payments and a manageable deposit. The business kept operating through the upgrade and repaid the facility over the agreed term. (This is an illustrative example based on typical outcomes; individual results vary.)

Why choose Fast Business Loans for equipment finance introductions?

• Speed — a short enquiry form connects you to suitable partners quickly.
• Choice — we introduce you to lenders and brokers who specialise by sector and asset type.
• No cost to you — our service is free and there’s no obligation to proceed.
• Confidential handling — your details are shared only with relevant partners to help find quotes.
• Introducer role — we do not lend or give regulated financial advice; we connect you to experts who can.

Equipment Finance FAQs

Are equipment finance agreements secured against the asset?

Many equipment finance agreements use the financed asset as security. Exact security terms depend on the facility type and lender. Your matched broker will explain security, ownership and any personal guarantees required.

Will requesting a quote affect my business credit score?

Submitting an enquiry via Fast Business Loans does not affect your credit score. Lenders or brokers will advise if a credit check is needed and will only proceed with your consent.

What is the typical term length for equipment leasing?

Terms vary by asset and lender — common ranges are 2–7 years for many pieces of equipment, though longer or shorter terms are available depending on asset life and customer needs.

Can my business refinance existing equipment?

Yes. Asset refinance is a common route to release working capital. Eligibility depends on the equipment’s value, condition and outstanding finance terms.

How quickly can funding be released?

Turnaround depends on facility complexity and documentation. Some smaller, standard deals can complete in days; specialised or larger arrangements can take several weeks. Your matched partner will give an estimated timeline.

Ready to explore your options? Start your enquiry

Start your equipment finance enquiry today

Want tailored quotes from lenders and brokers who understand your business? Complete our short enquiry to receive no-obligation, relevant responses. It takes under two minutes and helps us match you to the right experts. Get Quote Now – Free Eligibility Check

Important: Fast Business Loans is an introducer that connects businesses with third-party lenders and brokers. We do not provide loans or regulated financial advice. Offers and terms are provided by third parties and depend on your circumstances. Submitting an enquiry does not guarantee approval.

1) What is equipment finance and how does it work in the UK?
Equipment finance lets UK businesses spread the cost of machinery, vehicles or IT through hire purchase, leasing or asset refinance, with repayments aligned to the asset’s life.

2) Is Fast Business Loans a lender and is my enquiry an application?
Fast Business Loans is an introducer, not a lender, and your enquiry is a free, no‑obligation eligibility check—not a formal application.

3) What types of equipment finance can I compare?
You can be matched with hire purchase/lease purchase, finance leases, operating leases and asset refinance options tailored to your sector.

4) What’s the minimum amount I can finance?
Our partners typically arrange equipment funding from £10,000 upwards, with higher amounts available depending on the asset and your business profile.

5) Will checking eligibility affect my credit score?
No—submitting an enquiry won’t affect your credit score, and any lender credit checks occur later only with your consent.

6) How quickly can I get quotes and funding?
Many businesses receive indicative quotes within 24–72 hours, with straightforward deals completing in days and more complex cases taking longer.

7) What documents will lenders usually ask for?
Common requests include recent bank statements and management accounts, director ID, supplier quotes/invoices and details of the equipment’s use and lifespan.

8) Do you support start-ups as well as established SMEs?
Established limited companies are commonly supported, and some partners may consider start-ups depending on the asset, deposit and overall profile.

9) Do equipment finance deals require security or a personal guarantee?
Many agreements are secured on the asset and may also require a personal guarantee depending on the lender and facility.

10) What costs and terms should I compare between offers?
Compare rate type (fixed or variable), fees, deposit, term length (often 2–7 years), balloon/residual values, VAT handling and maintenance/insurance responsibilities.