Equipment Finance for UK Businesses: Compare Trusted Lenders Fast

Summary: Fast Business Loans connects UK companies seeking equipment finance with specialist brokers and lenders. We’re an introducer — not a lender or adviser — and our free enquiry helps match your business with providers able to offer equipment loans, leases or asset finance from around £10,000 and up. Complete a short enquiry to receive no‑obligation quotes and a fast response. Start a Free Eligibility Check.

Get Equipment Finance Quotes in Minutes

Need new machinery, vehicles or IT without tying up cashflow? Equipment finance lets your business access the assets you need while spreading payments. Fast Business Loans helps you find the right lenders and brokers quickly — our service is free, will not affect your credit score when you enquire, and is purely a way to match you with providers who can give tailored quotes.

• Fast: typical broker contact within hours of your enquiry.
• Tailored: matched to lenders who specialise in your asset type and sector.
• No obligation: submit details, compare offers, decide in your own time.

Get a Free Eligibility Check — takes under 2 minutes.

How Our Equipment Finance Matching Works

We make the process straightforward so you can focus on running your business. Here’s how it works:

1. Share a few details: complete our short enquiry form (business size, asset type, approximate value, contact details).
2. We match you: your submission is reviewed and matched with specialist brokers and lenders on our panel who understand your sector and asset class.
3. Receive offers: brokers/lenders contact you directly with options and indicative pricing. They provide the formal quotes and terms.
4. You choose: compare proposals and accept the package that best suits your cashflow and ownership preferences.

Reminder: the enquiry is not an application. It’s information we use to find the best partners for your request. Start your enquiry now.

What is Equipment Finance?

Equipment finance covers a range of products designed to fund business assets — from catering kit and IT to plant, vehicles and specialised manufacturing machinery. Common structures include:

• Hire Purchase (HP) – you pay an initial deposit plus fixed repayments. Ownership transfers when the final payment is made.
• Finance Lease – lender owns the asset and you pay rentals for an agreed term; you may have options at the end (e.g., purchase, return).
• Operating Lease – similar to rental with no intention to buy; useful for short‑term needs or rapidly depreciating kit.
• Asset Refinance – release cash from existing owned equipment by refinancing the asset.

Want more detail on financing specific asset types? Read our dedicated equipment finance guidance or submit an enquiry and a specialist broker will explain the best route for your case.

Fast fact: many UK firms use asset finance to preserve working capital while upgrading technology — matched quotes let you compare costs without multiple applications.

When Equipment Finance Makes Sense

Equipment finance is often the right choice when you want to:

• Protect cashflow — spread the cost of a major purchase rather than paying capital up front.
• Upgrade to comply with regulations — replace kit quickly to meet safety or environmental requirements.
• Scale up for new contracts — acquire machinery to fulfil orders without depleting reserves.
• Preserve or refinance working capital — fund productivity improvements while keeping bank facilities for other uses.

Example: a catering business secures a £40k commercial kitchen package on a 4‑year HP agreement, preserving their overdraft for seasonal stock.

Free Eligibility Check — get matched to brokers who specialise in your scenario.

Industries We Commonly Help

Our panel covers many sectors. Typical users of equipment finance include:

• Manufacturing and engineering
• Construction and civil engineering
• Hospitality, restaurants and catering
• Healthcare and dental clinics
• Agriculture and land‑based businesses
• Transport, logistics and fleet operators
• Retail and e‑commerce

Case snapshot: A Midlands manufacturer secured a £250k CNC equipment lease within a week via our broker panel. Results vary by case.

Funding Scenarios & Typical Deal Sizes

Our partners handle a wide range of amounts. Fast Business Loans typically helps businesses seeking equipment funding from around £10,000 upwards.

Exact pricing and APR are set by lenders. We help you get comparative quotes so you can choose the best commercial fit.

Advantages of Using Fast Business Loans

• Sector‑specific matching: we connect you with brokers who know your asset class.
• Speed: curated submissions reduce back‑and‑forth and often speed decisioning.
• Preserve bank lines: finance equipment without using existing facilities.
• No cost to you: our introduction service is free for businesses.
• No obligation: receive quotes, then decide whether to proceed.

Please note: Fast Business Loans is an introducer that connects you to lenders and brokers. We do not provide regulated financial advice or supply loans directly.

Costs, Terms and What to Expect

Costs depend on lender criteria, asset type, term and your business profile. Typical factors include interest rate, any deposit, maintenance costs (if included), and residual values for leases. Examples of what affects pricing:

• Sector risk and asset resale value
• Business trading history and credit profile
• Term length and whether VAT is recoverable
• New vs used equipment

All quotes are provided directly by our partner brokers/lenders. Fast Business Loans cannot guarantee approval or rates — decisions rest with the providers. If unsure, consider independent financial or legal advice.

Documents & Information to Have Ready

Having these ready speeds up the process:

• Brief asset description and cost estimate or supplier quote
• Latest annual accounts (or management accounts if newer)
• Recent business bank statements
• Details of any existing finance agreements
• Company registration and director ID where required for AML checks

Upload or share these securely with the broker you’re connected to — it helps them produce accurate, fast quotes.

How Fast Business Loans Safeguards Your Enquiry

We treat your data with care. Submissions are shared only with selected brokers/lenders relevant to your request. We follow industry best practice on data protection and only keep information necessary to make introductions. Submitting an enquiry does not affect your credit score; lenders may perform checks later in the formal application process.

Equipment Finance FAQs

How quickly can I receive finance for new equipment?

Many brokers can provide indicative quotes within 24–72 hours of receiving documentation; full approvals depend on lender checks and the asset type.

Do you arrange finance below £10,000?

Our typical matching focuses on equipment finance requests from around £10,000 and upwards.

Do I need to provide a deposit?

Some deals require a deposit; others offer low or zero‑deposit options. A broker will explain available structures for your case.

Is refurbished equipment eligible?

Yes — many lenders accept quality used or refurbished assets, though terms and valuations differ by lender.

Will enquiring affect my credit score?

No — completing a Fast Business Loans enquiry does not impact credit files. Lenders may carry out credit checks later if you progress.

Can I settle equipment finance early?

Early settlement is usually permitted but may attract fees or recalculated interest. Check the lender’s terms before agreeing.

Still unsure? Get Quote Now and a specialist will contact you to explain options.

Ready to Explore Equipment Finance?

If you need new equipment to grow, comply with regulations or win contracts, Fast Business Loans can help you compare the best lender and broker options quickly. Our short enquiry helps us match you to the right panel members — it’s free and carries no obligation.

Start Your Free Eligibility Check — it takes under 2 minutes and there’s no impact on your credit score to enquire.

Fast Business Loans is an introducer and does not lend money or provide regulated financial advice. Finance is subject to status, affordability and lender criteria. Independent financial and legal advice is recommended where appropriate.

equipment finance

– What is equipment finance and how does it work?
Equipment finance lets UK businesses acquire assets via hire purchase, finance lease, operating lease or asset refinance, spreading costs to protect cash flow.

– How quickly can I get equipment finance quotes or approval?
You’ll typically be contacted within hours and can receive indicative quotes in 24–72 hours once documents are shared, with approvals subject to lender checks.

– Will submitting an enquiry affect my credit score?
No—our free enquiry doesn’t impact your credit file, though lenders may run checks later if you choose to proceed.

– What’s the minimum amount you can help finance?
We usually match equipment finance requests from around £10,000 and upwards, with exact availability set by individual lenders.

– Is the enquiry a formal application?
No—the form is not an application; it simply provides information so we can match you with suitable brokers and lenders for quotes.

– Are you a lender or financial adviser?
Fast Business Loans is an introducer, not a lender or adviser, connecting you with trusted UK brokers and lenders at no cost and with no obligation.

– What types of equipment and industries do you cover?
We help fund machinery, vehicles, IT, catering, medical and construction kit across sectors such as manufacturing, hospitality, healthcare, agriculture and logistics.

– Can I finance used equipment or refinance existing assets?
Yes—many partners can finance quality used or refurbished items and offer asset refinance to release cash from equipment you already own.

– What rates and terms can I expect?
Pricing and APR depend on asset type, trading history and term, with typical durations from 1–7 years and quotes provided directly by lenders.

– What documents and information will I need to provide?
Have an asset description or supplier quote, recent accounts, bank statements, any existing finance details, and company/ID information for AML checks.