Equipment Finance for UK Businesses – Match with Trusted Lenders Fast

Summary: Fast Business Loans helps UK limited companies and SMEs find equipment finance from £10,000 upwards by matching you with specialist lenders and brokers. We’re an introducer — not a lender — and your enquiry is a simple matching tool, not an application. Complete a short Free Eligibility Check to get matched to the right equipment finance partners quickly: Get Started Free Eligibility Check.

What is equipment finance & how does it work?

Equipment finance is a way for businesses to acquire the machinery, vehicles, technology or fit-out they need without paying the full capital cost up-front. Typical options in the UK include hire purchase (HP), finance leases, operating leases and asset refinance. These solutions let your business spread the cost over a fixed term while preserving working capital.

Fast Business Loans does not provide finance directly. We act as an introducer: you submit a short enquiry and we match your requirement to lenders or brokers who specialise in the exact asset and sector. Your enquiry is not a loan application — it’s information to help us match you efficiently.

Free Eligibility Check – Takes 2 Minutes

Why explore equipment finance with Fast Business Loans?

Searching dozens of lenders takes time. We fast-track the process by matching your business with the most suitable lenders and brokers from our panel. That saves you time and improves the likelihood of receiving competitive, relevant offers.

• Speed: quick matching reduces wasted time and repetitive paperwork.
• Choice: access to a broad panel of specialist funders and brokers.
• Sector expertise: matches based on the asset type and industry.
• Discreet: an initial enquiry doesn’t affect your credit record.

We follow clear, fair and not misleading language so you know what to expect. Rated highly by internal feedback surveys — we often hear “fast, helpful and relevant” from business owners we’ve put in touch with partners.

Get Matched with Equipment Finance Specialists

What equipment can be funded?

Equipment finance covers a wide range of assets. Below are common categories with examples and typical terms.

Manufacturing & production machinery

• Examples: CNC machines, presses, packaging lines, robots.
• Typical terms: 3–7 years; HP or finance lease for ownership at term end.
• New or used equipment commonly acceptable.

Commercial vehicles & fleet

• Examples: vans, HGVs, refrigerated vehicles, courier fleets.
• Typical terms: 2–5 years; hire purchase, lease purchase or contract hire.
• Fleet funding and refinance options available for upgrades.

Construction & plant equipment

• Examples: excavators, diggers, telehandlers, dumpers.
• Typical terms: 2–7 years; flexible for seasonal or project-led businesses.
• Used plant often funded at competitive rates.

Need a Quick Quote? Start Your Enquiry.

Medical, dental & laboratory tech

• Examples: imaging, sterilisation, diagnostic, lab automation.
• Typical terms: 3–7 years; specialist lenders understand regulatory needs.

Hospitality, catering & retail fit-outs

• Examples: kitchen kit, refrigeration, bar equipment, shelving and POS.
• Typical terms: 2–5 years; fit-out finance and refurbishment packages available.

IT, AV & office technology

• Examples: servers, laptops, AV suites, phone systems.
• Typical terms: 1–5 years; leases and rental plans for short-life tech.

Types of equipment finance solutions we can introduce

All terms and rates are set by lenders/brokers and subject to their criteria and status checks. Fast Business Loans only introduces you to providers — we don’t set rates or provide advice.

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Eligibility snapshot: what lenders usually consider

While each funder has different criteria, most will assess:

• Business structure and years trading (many lenders accept 12+ months, some specialist funders will consider newer companies).
• Turnover and cashflow (ability to service repayments).
• Credit profile of the business and directors.
• Deposit or deposit-equivalent (some funders require 10–30%).

Submitting an enquiry via Fast Business Loans does not perform a credit search. Lenders may carry out credit or identity checks later when you progress an application.

Helpful to prepare: recent accounts, a supplier quote for the equipment, details of the asset, and an anticipated spend figure.

Fast response from vetted brokers – Get Started

How our 4-step matching process works

1. Submit an enquiry: you provide basic business details and equipment needs. The enquiry is secure and not an application.
2. Smart match: we match your details to brokers/lenders likely to consider your request.
3. Introductory contact: matched partners contact you to discuss options and may request supporting documents.
4. Compare offers: you receive quotes and choose the solution that best fits your business — no obligation to proceed.

Start Your Equipment Finance Enquiry

Sector spotlights: tailored equipment funding support

Our panel includes partners experienced across industries so you’re matched to specialists who understand your sector challenges.

Construction & trades

Short hire periods, seasonal income and site-based risk are common. Specialist lenders can structure plant and vehicle funding to match cashflow.

Manufacturing & engineering

High-value machinery often funded via HP or finance lease. Lenders may consider residual value and service contracts when pricing deals.

Healthcare & care providers

Medical equipment finance often requires lenders who understand regulatory compliance and equipment servicing schedules.

Food, drink & hospitality

Kitchen fit-outs and refurbishment finance often combine equipment funding with short-term working capital to bridge disruption.

Discuss your sector needs – Request a call

Real scenarios & sample outcomes (illustrative)

All examples are illustrative. Actual approval and terms vary with credit status, asset type and lender policies.

See your equipment finance options

Costs, rates & terms – what to expect

Rates depend on the lender, asset, term and credit profile. Typical annual rates vary widely — specialist discussions with brokers will provide personalised APR/interest estimates.

• Deposits: some lenders require 0–30% depending on asset and risk.
• Fees: arrangement fees, documentation fees and balloon payments can apply.
• VAT: depending on structure, VAT may be payable on purchase or on rentals — ask your broker for details.
• Representative figures should come from the lender — Fast Business Loans does not set or advertise rates.

Get personalised, no-obligation quotes

FAQs: Equipment finance via Fast Business Loans

Are you a lender or broker?

Fast Business Loans is an introducer that connects businesses to lenders and brokers. We do not lend and we do not give regulated financial advice.

How quickly can funding be arranged?

After you submit an enquiry, a matched broker typically contacts you within hours. From discussion to funding depends on asset, documentation and lender processes.

Can start-ups get equipment finance?

Some partners offer solutions to younger businesses, often with different deposit or guarantee requirements. A specialist broker will outline the realistic options.

What credit scores do lenders prefer?

Criteria vary. Lenders assess business and director credit profiles alongside turnover and asset type. A broker can help identify the best-fit funder based on your profile.

Do brokers charge a fee?

Many brokers earn fees or commissions from lenders. Fast Business Loans’ introduction service is free for business owners. Check partner terms before proceeding.

Can finance cover used or refurbished kit?

Yes — many lenders will fund used or refurbished equipment, subject to age and condition limits.

Will I need a personal guarantee?

Some lenders request director guarantees, especially for smaller companies or higher-risk profiles. A broker will advise on likely requirements.

What happens after I submit an enquiry?

We match you to suitable partners who will usually call or email to discuss your needs and request any supporting documents. You then receive quotes to compare — no obligation to accept.

Have another question? Submit the form or call us.

Ready to fuel your equipment investment?

If your business needs equipment funding from £10,000 and up, Fast Business Loans can quickly match you with lenders and brokers who understand your sector and asset. Your enquiry is a simple matching step — not a loan application — and it won’t affect your credit score.

Start with a short enquiry and we’ll connect you to the most relevant partners so you can receive tailored quotes and choose the best option for your business.

Start Your Equipment Finance Enquiry

Fast Business Loans is an introducer connecting UK businesses with lenders and brokers for equipment finance solutions. We do not provide loans or regulated financial advice. Enquiries start from £10,000 upwards. Your enquiry is information to help match you with appropriate partners — it is not an application. Any offers or terms are provided by the lender or broker and are subject to their criteria and checks. For full privacy and data handling information see our privacy policy.

Further reading: learn more about specific asset funding types on our pillar page for equipment finance (/equipment-finance).

– What is equipment finance and how does it work?
Equipment finance lets UK businesses spread the cost of machinery, vehicles or tech via hire purchase, leasing or asset refinance, preserving cash flow over a fixed term.

– What types of equipment can I finance?
You can fund manufacturing machinery, commercial vehicles, construction plant, medical/dental tech, hospitality fit-outs and IT/AV—often including used or refurbished assets, subject to lender criteria.

– Which equipment finance options can I compare?
You can compare hire purchase, finance lease, operating lease/contract hire and asset refinance, choosing based on ownership preference, term length and VAT treatment.

– What is the minimum amount and typical terms available?
Funding typically starts from £10,000 with terms from around 1–7 years depending on the asset, lender criteria and your business profile.

– How quickly can funding be arranged?
After your enquiry, a matched broker usually gets in touch within hours, and funding can follow in days to weeks depending on the asset, documents and lender processes.

– Will submitting an enquiry affect my credit score?
No—your enquiry is not a loan application and won’t impact your credit score, though lenders may run checks if you decide to proceed.

– Are you a lender or an introducer?
Fast Business Loans is an introducer that matches UK businesses with specialist lenders and brokers; we don’t lend or provide regulated financial advice.

– Can start-ups or businesses with weaker credit get equipment finance?
Yes—some partners will consider newer or credit-challenged firms, often with tailored terms such as higher deposits or guarantees.

– Do I need a deposit or personal guarantee?
Many lenders ask for a 0–30% deposit and may require a director guarantee depending on the asset, risk and trading history.

– Is there any obligation to proceed after I’m matched?
No—you can compare quotes from matched partners with no obligation to accept or proceed.