Equipment Finance for UK Businesses

What Is Equipment Finance?

Equipment finance helps your business acquire essential assets — from machinery and vehicles to catering, medical, and IT equipment — without paying the full cost upfront. You spread payments over an agreed term, often with options to own, upgrade, or continue using the asset at the end.

Common structures

• Hire Purchase (HP): Spread the cost and typically own the asset at term end (subject to a nominal final fee).
• Finance Lease: Rent the equipment for a fixed term; you usually don’t own it, but can often extend use or share in sale proceeds (depending on terms).
• Operating Lease: Shorter-term rental, well-suited to high-depreciation or frequently upgraded kit.
• Asset Refinance: Release capital tied up in equipment you already own.
• Equipment Loans: Borrow to buy; ownership from day one while the loan covers the cost. Loans can be secured or unsecured depending on the lender’s criteria.

Who it’s for

• Newly formed and established limited companies
• LLPs and partnerships
• Businesses replacing aging kit or scaling capacity
• Firms upgrading to more efficient or greener equipment

Check Eligibility in 2 Minutes — No Credit Impact to Enquire

Why Use Equipment Finance?

Choosing equipment finance can help you balance cash flow, reduce risk, and move quickly when opportunities arise.

• Preserve cash flow: Avoid large upfront purchases and keep capital available for operations.
• Predictable budgeting: Fixed payments to simplify monthly planning.
• Speed to value: Put new equipment to work fast; many partners respond quickly once documents are in place.
• Flexible terms: Options for seasonal payments, deferred VAT on eligible structures, or balloon payments (subject to lender criteria).
• Potential tax efficiencies: Depending on the product and your circumstances, certain structures may offer tax benefits. Always seek professional tax advice.
• Stay competitive: Upgrade to modern, energy-saving equipment and reduce downtime.

Get Your Free, No-Obligation Quote

How Fast Business Loans Helps

We’re not a lender and we don’t offer financial advice. We connect UK businesses with verified brokers and lenders who specialise in equipment finance. It’s quick, free to use, and there’s no pressure to proceed.

• Complete a short enquiry form in under 2 minutes
• We match you to suitable UK partners for your sector and requirements
• You’ll typically hear back quickly by phone or email
• Compare options and decide in your own time

Good to know: Your initial enquiry with us won’t affect your credit score. If you choose to proceed, lenders/brokers may run credit checks.

Start Your Enquiry — Free Eligibility Check

Equipment Finance Options We Can Connect You To

Every business is different. Our panel includes partners offering a range of equipment finance structures for funding from £10,000 and upwards:

• Hire Purchase (HP): Spread the cost; own the asset at term end (subject to final fee). Often used for vehicles, plant, and machinery.
• Finance Lease: Fixed-term rental with agreed residual assumptions. Typically no ownership; extensions and sale-proceeds sharing may be possible.
• Operating Lease: Shorter-term rental, often for IT and high-depreciation assets.
• Asset Refinance: Use owned equipment as security to release working capital or reorganise existing finance.
• Equipment Loans: Borrow funds to purchase equipment outright (secured or unsecured depending on criteria).
• Seasonal/Structured Payments: Align payments to your cash cycle (e.g., agriculture, hospitality).

Availability depends on your business profile, asset type, and lender criteria. Lenders will set terms, rates, and conditions.

Get Matched to Suitable Lenders/Brokers

Equipment and Sectors We Support

Our partners have experience across a wide range of industries and assets, including:

• Construction: Excavators, telehandlers, tools, site equipment
• Manufacturing & Engineering: CNC machines, presses, robotics
• Agriculture: Tractors, harvesters, irrigation systems
• Hospitality & Catering: Ovens, refrigeration, coffee machines
• Healthcare: Diagnostic equipment, dental chairs, care home equipment
• Logistics & Transport: Vans, HGVs, trailers, warehouse tech
• Retail & E-commerce: POS systems, store fit-out, packaging machines
• Printing & Packaging: Presses, cutters, finishing lines
• Sustainability & Energy: Solar PV, heat pumps, EV chargers, battery storage
• IT & Technology: Servers, laptops, AV equipment, networking

Don’t see your equipment here? Tell us what you need — we’ll let you know quickly if it fits.

Tell Us What You Need — Free Eligibility Check

Eligibility: What Lenders Typically Look For

Criteria vary by lender and product. Common factors include:

• Trading history: Newly formed and established companies considered.
• Financials: Turnover, profitability, recent bank statements.
• Credit profile: Personal and business credit histories.
• Asset type: New or used, age, residual values, supplier quotes.
• Deposit: Some structures may require a deposit; others can be 100% financed (subject to status).
• Security: For secured structures, the asset itself may be the primary security.
• Business type: Limited companies, LLPs, and partnerships.

Had credit issues? It may still be possible. Our broad panel can consider a range of profiles. Having clear supplier quotes and up-to-date accounts helps.

See If You’re Eligible in Minutes — No Obligation

Documents You May Need

Having the right information ready can speed up your quote:

• Basic business details (company number, trading address)
• Director/owner details
• Latest bank statements (typically 3–6 months)
• Management accounts or filed accounts (if available)
• Equipment supplier quote(s) or pro forma invoice(s)
• VAT status and any relevant licenses
• Details of existing finance (if refinancing)

You don’t need everything to start your enquiry — we’ll guide you.

Start Your Enquiry — We’ll Do the Heavy Lifting

Costs, Terms, and What Affects Your Rate

Your rate and terms are set by the lender based on your circumstances and the asset. Typical considerations:

• Credit strength and trading history
• Asset type, new/used status, and expected residual value
• Deposit amount or balloon payment structure
• Term length (commonly 1–7 years depending on asset type)
• Overall business affordability and sector risk

Important:

• Any figures discussed by lenders will be tailored to you and subject to underwriting.
• Fees, charges, and total amount payable will be disclosed by the lender/broker before you proceed.
• We do not quote or arrange finance; we introduce you to partners who do.

If you need clarity on how a specific structure works, ask the broker/lender directly. You’re under no obligation to proceed.

Get a Personalised Quote From Verified Partners

From Enquiry to Funding — How It Works

1. Complete a Quick Enquiry: Tell us about your business and equipment. It takes under 2 minutes. Enquiries won’t affect your credit score.
2. Matched Partners: We connect you with selected UK finance brokers/lenders experienced in your sector and asset type.
3. Fast Response: Expect a call or email to discuss options, documentation, and timelines.
4. Compare and Decide: Review tailored offers and choose what’s right for your business. No pressure, no obligation.

Begin Your Free Eligibility Check

FAQs: Equipment Finance in the UK

Ask Your Question and Get a Fast Response — Start Your Enquiry

Our Commitment to Compliance and Transparency

• We’re not a lender and we don’t offer financial advice. We act as an introducer to finance brokers and lenders.
• Submitting an enquiry through our site is free and carries no obligation to proceed.
• Your initial enquiry won’t affect your credit score; however, lenders/brokers may run credit checks if you choose to proceed.
• Any finance is subject to status, affordability checks, and lender criteria. Terms, rates, and fees are set by the lender/broker and will be disclosed before you commit.
• We only share your details with relevant partners for the purpose of your enquiry and handle data securely.
• We may receive a commission from partners if you proceed; this does not increase the price you pay.

If you’re unsure about any aspect, ask the broker/lender to clarify before proceeding. Consider independent professional or tax advice where appropriate.

Ready to Get Started?

Complete a short form and we’ll connect you with relevant equipment finance providers who understand your sector. It’s fast, free, and there’s no obligation.

• Free eligibility check
• Fast response
• UK-based lenders and brokers
• Clear information before you decide

Get Started — Free Eligibility Check | Get Quote Now

Related Pages

• Asset Finance
• Vehicle Finance
• Invoice Finance
• Sustainability Loans
• Contact

1) What is Fast Business Loans?
Fast Business Loans is a free UK matching service that connects your business with trusted lenders and brokers to find the right finance fast.

2) How does the process work?
Complete a short enquiry, we match you with suitable UK brokers and lenders, you get a rapid response, then you compare options and decide with no obligation.

3) How fast can I get a response or funding?
You’ll usually hear from matched partners within minutes or hours during business hours, with funding times dependent on the lender, product, and your circumstances.

4) Will submitting an enquiry affect my credit score?
No—your enquiry with us doesn’t affect your credit score, and any credit checks are only performed by partners if you choose to proceed.

5) How much can I borrow for my UK business?
Our partners commonly arrange funding from around £5,000 up to £5 million or more, depending on your business profile and needs.

6) What types of business finance can you help me find?
We connect UK businesses with options including unsecured and secured business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle and fit-out finance, refinance, sustainability loans, and commercial finance.

7) Do you support start-ups, SMEs, or those previously declined?
Yes—many partners specialise in start-ups and growing SMEs, and our wide panel may help even if you’ve been declined elsewhere.

8) Do you cover my industry or sector?
Yes—we support sectors such as construction, hospitality, retail and e-commerce, logistics and transport, healthcare, agriculture, manufacturing, professional services, and more.

9) Are your brokers and lenders trustworthy and FCA compliant?
Yes—we only connect you with verified UK finance brokers and lenders who follow FCA guidelines and treat customers fairly.

10) What information do I need and is there any cost or obligation?
You provide basic business and contact details plus the funding amount and purpose, our service is free to use, and there’s no obligation to proceed.