Business Finance
Asset Finance for Business Investment
Fund equipment, vehicles, plant, machinery and other business-critical assets without depleting cash reserves or existing facilities.
Typical deal size: Typically £100k – £5m
Overview
Asset finance allows businesses to acquire essential equipment and assets while preserving working capital. Structured as hire purchase, finance lease or operating lease depending on your tax and accounting requirements.
Key Benefits
Preserve Cash
Acquire assets without large upfront capital expenditure, keeping cash available for operations.
Tax Efficiency
Structured to optimise tax treatment — capital allowances, VAT recovery and balance sheet treatment vary by structure.
Flexible Structures
Hire purchase, finance lease and operating lease options to match your specific requirements.
Common Scenarios
Equipment & Machinery
Funding for manufacturing equipment, specialist machinery, technology and production infrastructure.
Vehicle & Fleet
Fleet acquisition, commercial vehicles, specialist transport and logistics equipment.
Technology & IT
Server infrastructure, IT equipment, software licences and technology platforms.
Refinancing Assets
Releasing capital tied up in existing owned assets through sale-and-leaseback arrangements.
Lender Considerations
What lenders assess
Asset finance providers assess the asset type, useful economic life, residual value, your business trading profile and the overall affordability of the repayments.
New vs used assets
Both new and used assets can be financed, though terms vary. Used assets typically require a shorter finance term and may have different advance rates depending on condition and market value.
How It Works
Requirement Review
We understand what assets you need, your preferred structure and the tax/accounting implications.
Funder Selection
We identify asset finance providers with appetite for your asset type and business profile.
Proposal & Documentation
We secure proposals, compare terms and manage the documentation process.
Asset Acquisition
Once approved, funds are released directly to the supplier and you take delivery of the asset.
What Lenders Want to See
Asset specification, supplier quote or pro-forma invoice
Business accounts for 2+ years of trading
Documentation of the asset's useful economic life
Existing facility schedule detailing current commitments
Management accounts within 3 months
Common Reasons Applications Fail
Asset with poor residual value or limited secondary market
Insufficient trading history to demonstrate affordability
Affordability concerns based on existing commitments and cash flow
Asset already acquired before funding was arranged — most funders require pre-approval
Frequently Asked Questions
With hire purchase, you own the asset at the end of the agreement. With a finance lease, the funder retains ownership but you have use of the asset for an agreed period. Operating leases are shorter-term and may include maintenance. The right choice depends on your tax position and accounting requirements.
Yes. Most asset finance providers will fund used equipment, though terms and advance rates may differ from new assets. The asset must have a reasonable remaining useful life.
Straightforward asset finance can often be approved and completed within 1–2 weeks. Complex or high-value arrangements may take longer.
Yes. Sale-and-leaseback arrangements allow you to release capital tied up in existing owned assets. The funder purchases the asset from you and leases it back, freeing up working capital while you retain use of the equipment.
Deposits are indicative only and dependent on circumstances, but typically range from 0–20% of the asset value. Higher deposits may improve the available rate and terms, subject to lender criteria and borrower profile.
Ideal For
- Manufacturing and production businesses
- Transport, logistics and fleet operators
- Construction and engineering companies
- Any business with significant capital equipment needs
May Not Be Suitable For
- Businesses seeking to finance non-tangible assets
- Very small individual asset purchases under £25k
Ready to Discuss?
If your asset finance requirement is complex or strategic, speak to CC Finance.
All finance is subject to status, lender criteria and individual circumstances. Deal sizes shown are indicative of typical transactions.
Discuss a Asset Finance Requirement
Submit your finance scenario and we will assess how we can help.