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.
Volvo FH 460 Curtainsider Truck
4.2% flat rate · 48 months
£95,000
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.
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.
Direct lender relationships
From mainstream banks to specialist asset funders. We use direct lender relationships to drive competitive terms.
Approval in 48 hours
Once we've structured the deal, decisions are typically returned within two working days, often same-day.
Funds released to supplier
The lender pays the supplier directly. You take delivery of the asset and start your repayment schedule.
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.
Vehicles & fleet
From single commercial vehicles to full fleet upgrades, we can arrange finance for vans, HGVs, trailers and specialist vehicles. Whether you're replacing ageing stock or expanding capacity, we'll find a structure that keeps cash in the business.
Plant & machinery
Fund excavators, cranes, forklifts, compressors, and heavy plant without tying up working capital. We work with lenders who understand the plant sector and can finance both new and used equipment across a wide range of industries.
Manufacturing equipment
CNC machines, lathes, presses, injection moulders, conveyor systems - whatever your production line needs, we can fund it. Spread the cost over the asset's working life and preserve your cash for raw materials and operations.
IT & technology
Servers, networking infrastructure, telecoms systems, software licences, and hardware refresh programmes. Technology moves fast; finance lets you stay current without the capital outlay, with terms flexible enough to match your upgrade cycle.
Fit-out & refurb
Office refurbishments, shop fits, signage, flooring, partitioning, and M&E works can all be financed as a package. Turn a capital project into a manageable monthly cost and get the space you need without draining reserves.
Medical equipment
Dental chairs, imaging systems, surgical equipment, diagnostics, and practice fit-outs. We support both NHS and private sector practices with finance that aligns repayments to the revenue the equipment generates.
Catering & hospitality
Commercial kitchens, refrigeration, coffee machines, POS systems, and front-of-house equipment - all fundable under one facility. Ideal for new openings, refurbishments, or replacing end-of-life kit with minimal disruption to cash flow.
Energy & renewables
Solar PV, battery storage, EV charging infrastructure, LED lighting, and heat pump systems. Finance the transition to cleaner energy with repayments structured to sit comfortably within the savings the technology delivers.
Our products
Three flexible
structures
From outright ownership to off-balance-sheet leasing, or unlocking equity in assets you already own.
Hire Purchase
Spread the cost of an asset over a fixed term. You own the asset outright at the end of the agreement.
- Asset appears on your balance sheet
- Reclaim VAT up front on the asset value
- Claim capital allowances and interest
- Own the asset at the end of the term
Finance Lease
Rent the asset over its useful life with the option to extend, return or upgrade at the end.
- Lower deposit, typically 0-10%
- Full rental payments are tax-deductible
- Easy upgrade path at end of term
- Ideal for fast-depreciating assets
Asset Refinance
Release the cash tied up in assets you already own: vehicles, machinery, plant.
- Release equity from owned assets
- Continue using the asset throughout
- Consolidate multiple finance agreements
- Useful for working capital or growth
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.
Whole-of-market access
From mainstream banks to specialist asset funders. We aren't tied to any one lender; recommendations are based on your needs.
Sector-specialist brokers
Our brokers know the asset classes they fund. Whether it's HGVs, CNC, or a renewables installation, you talk to a specialist.
48-hour decisions
Time-critical deals get priority. We move quickly, leveraging direct lender relationships to keep the process moving.
Structured for tax efficiency
We structure deals to make the most of capital allowances, VAT recovery and interest deductibility, subject to your accountant's advice.
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.
What our clients say
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your funding?
Speak to an expert today. No credit check, no obligation, just straight, independent advice on your funding options.
0330 0438 011Mon-Fri, 8:30am-6pm · Always free to call