Equipment finance
From a single machine to a full fit-out, funded against the equipment rather than against your property or your overdraft.
Request a callback- Typical amount
- £3,000 to £2m
- Typical term
- 1 to 6 years
- Security
- Usually the equipment
- Deposit
- Nil to 20%, asset dependent
Figures are indicative market ranges at the time of writing, not offers or quotes. What is available to your business depends on the lender, your circumstances and the security available.
About equipment finance
Equipment finance covers the everyday middle ground of asset funding: the machines, systems and fittings a business needs to trade, bought without draining the current account. It can be structured as hire purchase or as a lease depending on whether you want to own the item at the end.
The critical question a funder asks is what the equipment would be worth to somebody else. Kit with an active second-hand market — machine tools, commercial vehicles, agricultural equipment — attracts the sharpest pricing. Items that are effectively worthless once installed, such as a shop fit-out or bespoke software, are harder, though there are funders who specialise in exactly that.
That split matters more than the size of the purchase. A twenty thousand pound lathe is often easier to fund than a twenty thousand pound refurbishment, because one can be repossessed and sold and the other cannot. Knowing which side of the line your purchase falls on tells us where to take it.
What we regularly fund
- Production and workshop machinery, from single machines to full lines.
- Catering and hospitality equipment, including kitchens, refrigeration and coffee systems.
- Medical, dental and veterinary equipment, including imaging and surgery fit-out.
- IT hardware, servers, EPOS and audio-visual systems.
- Gym and fitness equipment, salon chairs, treatment kit and similar soft assets.
- Shopfitting, signage and interior fit-out for retail and hospitality sites.
How to make the case easier
- Get a written quote or proforma invoice from the supplier — funders work from these.
- Be clear on whether the price includes delivery, installation, commissioning and VAT.
- Know how long the equipment is expected to last, and choose a term inside that.
- Flag anything bespoke or built-in early, as it changes which funders will look at it.
- Have recent accounts and bank statements ready, even where the asset provides the security.
Frequently asked
Is there a minimum purchase size?
Most funders start somewhere in the low thousands, and very small items are often better bought outright than financed once fees are taken into account. If the purchase is genuinely small we will tell you when the arithmetic does not favour borrowing.
Can several items go on one agreement?
Yes, and it is common. A fit-out or a fleet refresh can be packaged as a single facility with one monthly payment, which is usually simpler to manage than a series of separate agreements taken out over several months.
What if the equipment turns out to be faulty?
Your rights over the equipment itself run against the supplier, not the funder, so choose the supplier carefully. The finance agreement continues regardless of a dispute over the goods, which is a good reason to be satisfied with the specification before anything is signed.
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Tell us what the money is for
A short conversation is usually enough for us to tell you what is realistic — including when the answer is that you should not borrow.
