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

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what is asset finance?



Reduced costs and risks

Investing in new equipment using asset finance is an 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 and 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.

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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

A finance lease works in a similar way to renting any equipment you might need. You'll typically lease the asset for its economic life meaning that you'll never be left with outdated equipment. This gives you the flexibility of full, unrestricted access to the tools you need without the burden of ownership.

More about car leases

Hire purchase

Prefer to own the asset at the end of your agreement? A hire purchase works in a similar way to a finance lease however your monthly payments will be working towards full ownership of the asset at the end of the term rather than simply leasing it for its economic life.

Contract hire

Contract hire is most commonly used for accessing new vehicles for your business. Payments are calculated based on the purchase value and estimated residual value of the vehicle at the end of the agreement. It's usually sold once the contract expires which helps to drive down the monthly repayments for the duration.

Operating lease

An operating lease is great for businesses who rely on plant, machinery and tools to carry out their services or produce a product. Payments are made until the expiry date of the agreement is reached, at which point you'll pay the difference between the original purchase price and residual value upon expiration.


It's never been easier to raise capital through your existing assets by refinancing a loan against your current equipment. This can help you to quickly and easily secure additional finance from your assets if you'd rather invest funds elsewhere in your business.

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.

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