The right way to fund the equipment your business needs
From day-one startups to established operators upgrading their kit, asset and equipment finance lets businesses acquire the tools they need without tying up working capital. Six products, one straightforward process, find yours below.
Asset Re-Finance
Already own vehicles, machinery, or equipment? Asset re-finance lets you unlock the value tied up in those assets by using them as security for a loan. You keep using the asset as normal, you just release some of the equity that’s sitting in it.
It’s a smart way to improve liquidity without selling assets or taking on unsecured debt, and works particularly well for businesses that are asset-rich but need working capital.
Did you know you can lease high-value equipment?
Finance Lease
A finance lease lets you use an asset for most of its working life through fixed monthly payments, without ever owning it outright. The leasing company retains ownership, which keeps the asset off your balance sheet and preserves cash flow for other priorities.
At the end of the term, you typically have the option to extend, return, or in some cases participate in the sale of the asset. Well-suited to high-value equipment that you need long-term but don’t necessarily need to own.
Lendaline delivered a finance solution to my business where all others feared to tread. All with assured calm efficiency and briskly too. I unreservedly recommend inviting Guy to pitch on any funding need your business might have – you’ll be in good hands.”
Stefan Hohmann
Director, GEM Display Media Limited
Hire Purchase
With hire purchase, you pay a deposit and then make fixed monthly payments until the final instalment, at which point the asset is yours outright. No balloon payments, no residual value to worry about. Just a clear path to full ownership.
It’s a popular choice for vehicles, machinery, and equipment that businesses intend to use long-term, with the added benefit of being able to claim capital allowances against taxable profits.
New Start Finance
Getting the right equipment shouldn’t be out of reach just because your business is new. New Start Asset Finance is designed for businesses in their first two years, allowing them to spread the cost of essential vehicles, machinery, or equipment from the outset.
Applications are assessed on business plan viability and the director’s personal profile, not trading history alone. Many of our lenders specifically cater to new businesses, which means more doors open than you might expect.
Operating Lease
An operating lease is shorter-term and simpler: you use the asset, you pay for it, and you hand it back at the end. No ownership, no depreciation risk, no disposal headaches. Monthly payments are often lower than a finance lease because you’re only covering a portion of the asset’s life.
Particularly useful for assets that date quickly, technology, vehicles, and specialist equipment, where you want access to the latest kit without being tied to it.
We’ve lent over £10m to construction businesses
Sale & Hire Purchase Back
Sale and hire purchase back goes one step further than asset re-finance: you sell the asset to the lender to release immediate capital, then buy it back through a hire purchase agreement. You continue using the asset throughout, and ownership returns to you once the final payment is made.
It’s a practical solution for businesses looking to unlock significant capital from owned assets while maintaining full operational continuity.
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No matter the asset, we’re here to help you get funded today
