Skip to content

Asset finance

Acquire the assets your business needs to grow

Spread the cost of vehicles, equipment, plant and machinery, without tying up working capital. Hire purchase, leasing and refinance across a whole-of-market panel.

Assets funded this month
Live

Volvo FH 460 Curtainsider Truck

4.2% flat rate · 48 months

£95,000

Live

CNC Milling Machine (Haas VF-2)

4.8% flat rate · 60 months

£74,000

Plant & machinery refinance

Equity release · 36 months

£245k

Monthly repayment

Across 3 assets · fixed rate

£8,420

VAT reclaimable

Facility size From single vehicle to full fleet
£5k-£5m
Time to decision Often same-day for known assets
48hrs
Maximum term Matched to asset useful life
7yr
Lender panel Including specialist asset financiers
90+

How it works

Get the asset.
Keep your cash.

Asset finance lets you spread the cost of essential business assets over their useful life, so your working capital stays where it's needed.

01

Tell us what you need

Whether it's a single vehicle or a multi-asset fleet, we'll talk through the asset, the use case, and the structure.

02

Direct lender relationships

From mainstream banks to specialist asset funders. We use direct lender relationships to drive competitive terms.

03

Approval in 48 hours

Once we've structured the deal, decisions are typically returned within two working days, often same-day.

04

Funds released to supplier

The lender pays the supplier directly. You take delivery of the asset and start your repayment schedule.

Worked example Funded

26-tonne tipper

Construction sector, HP finance

Asset value
£140,000
Deposit
£14,000 (10%)
Amount financed
£126,000
Term
60 months
Flat rate
4.5% pa

Monthly payment

Fixed for the full term

£2,572.50

+VAT

Illustrative only. Actual terms depend on lender, asset, deposit and credit profile. Flat rate is not APR: it is charged on the full amount financed for the whole term, so the equivalent APR is roughly double.

What we finance

Almost any
business asset

Hard assets, soft assets, new or used. If it earns revenue for your business, there's likely a lender on our panel for it.

Our products

Three flexible
structures

From outright ownership to off-balance-sheet leasing, or unlocking equity in assets you already own.

Why choose SBF

Independent advice.
Better outcomes.

We compare asset finance lenders across the whole market, so you get the most competitive terms, not just the first offer.

Who can apply

Eligibility

Asset finance is one of the most accessible forms of business funding, because the asset itself acts as the primary security.

UK registered business

Limited company, LLP, sole trader or partnership.

Trading 6+ months

New starts considered with personal guarantees from directors.

Identifiable, valuable asset

New or used, hard assets typically attract best rates.

Adverse credit considered

Specialist lenders work with adverse credit profiles.

All sectors considered

Construction, transport, manufacturing, healthcare and more.

Get your asset finance options

Tell us about your business and we'll come back with tailored options, usually within one working day.

Free Independent No credit check

What our clients say

Trusted by UK businesses

Excellent 5.0 rating on Google

Get started

Ready to secure
your funding?

Speak to an expert today. No credit check, no obligation, just straight, independent advice on your funding options.

0330 0438 011

Mon-Fri, 8:30am-6pm · Always free to call