★★★★★
"Finding Capital helped us fund a new CNC machine quickly and explained the hire purchase route clearly from the start."
James T.
Precision Engineering, Yorkshire
Get the asset. Keep the cash. Grow on your terms.
Fund machinery, equipment and technology without tying up working capital. Structured around how your business earns, not just what the asset costs.
Independent Finance Broker
32 years experience
100+ lenders on panel
Who We Support
Built for businesses investing in the equipment that drives growth
We structure finance for growing companies and specialist operators buying the machinery, plant and equipment their next stage depends on.
Construction
Manufacturing
Technology & IT
Healthcare & Medical
Hospitality & Catering
Engineering & Trades
Not sure what you can borrow? Check in two minutes — no credit search at this stage.
Check Eligibility →30s
Decision Time
100+
Lender Panel
£10m
Maximum Facility
32
Years Experience
Asset Finance Calculator
How much could your asset cost each month?
Get an indicative monthly payment and check your eligibility in three simple steps. No credit search at this stage.
Indicative monthly figures shown in real time
Terms from 12 to 60 months
No credit search at this stage
Step 1 of 3
Funding requirement
How much funding do you need?
Tell us what you need, we'll help.
£5,000£500,000
Loan amount
Monthly payment
For larger facilities speak to a specialist directly
*Illustrative only and subject to a full lender assessment. Finding Capital Ltd is an independent finance brokerage, not a lender. We work with a panel of lenders to find suitable arrangements for our clients.
About you
Search your business, then add the contact details you want us to use.
Selected company
Company Number-
Status-
Type-
Incorporated-
About your business
A few commercial details help us judge the most suitable route before we come back to you.
Your eligibility check is now with a specialist. We will review your details and be in touch - usually within the hour during business hours.
How It Works
Four steps, from enquiry to funded
01
Enquiry
Tell us what you need when speaking with our specialists.
02
Discovery
We search 100+ lenders and hand-pick the right fit for your business.
03
Answer
Majority of cases have an answer within 4 hours.
04
Delivered
Delivery is organised, kit is delivered and we handle the lot.
What Is Asset Finance
Fund the equipment your business needs without tying up cash
Asset finance helps businesses spread the cost of machinery, technology, vehicles and specialist equipment over time instead of paying the full amount upfront.
At Finding Capital, we work across hire purchase, finance lease and refinance routes. That means we can match the structure to how the asset will be used, what the business wants to preserve in cash flow, and whether ownership matters at the end.
Whether you are investing in one high-value asset or building out a wider equipment package, the right route can help you move faster without putting pressure on day-to-day working capital.
Who we are
Independent brokers. Working for you, not the lender.
Finding Capital is an independent finance broker. That means we are not tied to any single lender, not incentivised to push one product over another and not working toward anyone's targets but yours.
When you enquire, we search the full market — 100+ lenders — and match your case to the one most likely to approve it at the best available terms. One enquiry. Whole-of-market access. A real answer from a real specialist.
100+Lenders on panel
32 yrsCombined experience
£10mMaximum facility
What makes us different
Not tied to one lender
No bank queue
One named advisor
Same day response
Commission disclosed upfront
ICO registered ZC110930
"We are transparent about how we earn. We tell you our commission before you commit to anything. That is how we think a broker should work."
— Finding CapitalWho we are
Independent brokers. Working for you.
Finding Capital is an independent finance broker — not tied to any lender, not pushing any single product. We search 100+ lenders and find the right fit for your business. One enquiry, whole-of-market access.
We are transparent about commission. We tell you upfront. That is how we think a broker should work.
Whole market access
Same day response
One named advisor
No obligation
100+Lenders
32 yrsExperience
£10mMax facility
Finance Products
The right structure for every asset purchase
Hire Purchase
Learn about hire purchase
After making all payments (including the option to purchase fee), you become the owner of the asset.
Finance Lease
Learn about finance lease
Access the latest equipment for a fixed monthly fee without the commitment of ownership.
Asset Refinance
Learn about asset refinance
Unlock the cash tied up in your existing assets to fund new equipment or business growth.
Eligibility
Do you qualify for asset finance?
Most cases are straightforward when the basics below are in place.
UK Registered Business
Sole traders, partnerships, LLPs and limited companies can all be considered.
Trading History
Many lenders prefer at least 6 to 12 months trading, although some newer businesses can still be considered.
Credit Profile
Adverse credit does not always rule a case out. We match vehicle type and borrower profile carefully across the panel.
Typical Funding Range
Most asset finance facilities we arrange sit between £1,000 and £2,000,000, depending on the asset, structure and business profile.
Need a steer?
We'll help you compare the right route first
Tell us what asset you are buying and how your business plans to use it. We will review the detail, explain the most suitable routes, and come back with a clear next step.
Response from a specialist within 1 hour
Single asset or multi-asset support
3 minute applications
Supplier paid on delivery or installation day
What our clients say
Proof from businesses using our asset finance facilities
Will checking my options affect my credit score?
No. An initial enquiry with us is designed to help you understand the right route first. If a formal lender credit search is needed, that only happens when you choose to proceed and give permission for that next step.
How quickly can I get a decision?
Straightforward cases can receive an initial decision in as little as 30 seconds, while more complex applications may take longer depending on the lender, amount and documents required.
Can startups and newer businesses apply?
Yes. Some lenders will consider younger businesses and startups, although the product, deposit expectations and guarantee requirements can vary by sector and trading profile.
Do I always need a deposit?
Not always. Many facilities can be structured with no deposit, although some cases may require a contribution depending on the asset, trading history and lender appetite.
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