Use a business asset to invest in growth. Compare lenders who specialise in asset finance.

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what is asset finance?

From telephones to trucks.
Use a business asset to get funding.

More and more SMEs are using asset finance to invest in business growth.

Asset finance is a form of business funding that can enable a business to purchase or refinance business equipment, spreading the cost over an agreed period of time.

It is effectively a loan to buy or lease equipment which can enable you to move your business forward. Asset finance helps businesses finance exactly what they need and has considerable tax saving benefits.

Capitalise has partnered with lenders who specialise in asset finance, making it easy for you to find lenders most likely to give you an offer.



Reduced costs and risks

Investing in new equipment using asset finance could be a more effective way to fund your purchases as well as reduce the risk that can come with ownership.


No delays

Capitalise has no hidden-costs and are hassle-free.  We're quicker than banks and can find a suitable match for you in minutes.


Industry expertise

Asset finance providers often specialise in a particular type of asset about which they have expert knowledge.  Capitalise will help you find the most suitable lender for your industry and business.


Monthly payments

Asset finance allows you to spread the cost of purchasing equipment with fixed monthly payments with agreements extending up to 72 months.


Reduced tax

You can offset your monthly repayment to reduce your tax liability.  The cost of renting or leasing an asset is deductible as a business expense, so this can reduce your overall tax bill.


Businesses looking for flexibility.
Businesses looking to grow.

Sourcing finance can be a struggle for most businesses, especially in times of economic uncertainty. When traditional sources dry up, alternative solutions, such as asset finance, can offer a cost effective, and flexible method of purchasing business assets.

Asset finance has been found to be particularly well suited to SMEs wishing to invest in growth.

Use Capitalise to find, compare and select lenders who specialise in asset finance.



Almost any asset can be financed ranging from office equipment to machinery or vehicles used for your business.  The lenders we work with specialise in the following areas:

Finance lease

This is similar to renting the asset or equipment.  The range for a finance lease is normally between 1-5 years and is designed to last until the equipment expires.  This gives you the flexibility and freedom to use something you need for your business without the responsibility of ownership.


Hire purchase

This is very similar to finance leasing, except once you get to the end of the finance term (1-5 years), you own the asset or equipment.  This arrangement is ideal for spreading out the cost of the asset that you intend to use beyond the finance term.


Contract hire

Contract hire is very useful for vehicles.  Payments are made on the value of the asset and spread out over a specific term.


Operating lease

For businesses that rely heavily on the use of technology, this arrangement requires payments only until the expiry date has been reached.  Once the asset stops being useful, you pay the difference between the original price and the residual value upon expiration.



This allows you to replace an old loan with a new one and revise your payment schedule.  Refinancing is a useful way to consolidate existing debt, usually at a better interest rate.

asset finance:  some key points

Easier to obtain than a bank loan

Use new equipment before paying full cost

Spread the costs for up to six years

Frequently asked questions about Asset Finance

It allows you to use your business capital to expand and make profit for your business. With leasing, you pay for your new business equipment in the same way as you pay your employees. This allows you to save your usable capital and makes budgeting for new purchases easier.

It is possible to join a new lease agreement with your existing lease and determine a new fixed end period. Otherwise your existing lease can be partly settled, providing a flexible way of upgrading without rolling forward debt.

Banks will often fund equipment and machinery; however, they typically provide only short-term and long-term funding - not medium term. Many companies choose to use asset funding to protect their working capital. Cash flow is crucial to every business, so it may be wise to leave headroom for other bank facilities in the future.

The cost of renting or leasing an asset is deductible as a business expense, so this can reduce your overall tax bill. If you expect to own the asset at the end of the lease or hire purchase period, this is considered a supply of goods for VAT purposes and you will have to pay VAT on the entire value at the start of the contract. If you will not become the owner of the asset at the end of the lease or hire purchase contract, this is a supply of services for VAT purposes, so VAT will be payable periodically.

You can claim capital allowances for assets bought through hire purchase as well as assets supplied through long-term lease. You can't claim capital allowances with shorter leases (i.e., less than five years and sometimes less than seven), but the leasing company can, so you should benefit indirectly through lower rental charges. Also, because it's a trading expense, you can usually deduct the full rental costs from your taxable income.