From machinery and technology to vehicles and specialist equipment, we structure asset finance solutions around your business, not the other way around.
We structure finance for growing companies and specialist operators buying the machinery, plant and equipment their next stage depends on.
Spread the cost over fixed monthly payments and take ownership of the asset at the end of the term.
Use the asset while preserving cash flow, with a structure built around business use rather than outright purchase.
A rental-style route for assets where flexibility, lifecycle planning and lower monthly commitment matter more than ownership.
Release capital tied up in owned equipment without removing the asset from day-to-day use in the business.
A Finding Capital specialist reviews the asset, supplier and business profile first, and gets in touch if any extra detail is needed before matching the case to the right lenders.
Straightforward asset finance cases can return an instant decision, while larger or specialist assets may take a little longer to credit underwrite.
Once paperwork is signed, the lender usually pays the supplier on the day of delivery so equipment can be handed over without delay.
The strongest asset finance cases are usually not about whether a business can pay cash. They are about preserving liquidity, keeping growth moving and matching the cost of the asset to the income it helps generate.
Certain asset finance structures can offer accounting or tax advantages, depending on the asset, the business and how the agreement is arranged.
Fixed monthly repayments make it easier to forecast equipment costs and plan wider investment with more confidence.
Keep cash in the business for wages, stock, tax, deposits and project delivery instead of locking it into one purchase.
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, operating 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.
Keep liquidity inside the business for wages, stock, VAT, deposits and project delivery instead of committing everything to one purchase.
Spread repayments over a term that reflects the asset life, the income it helps generate and the wider commercial plan.
Many lenders will consider both brand-new and second-hand equipment, depending on asset type, age, supplier profile and business strength.
We can support everything from one replacement machine to larger multi-asset investment plans with a structure built around the requirement.
Adding machinery, production lines, vehicles, IT or specialist equipment so the business can take on more work, improve delivery or increase profits.
Swapping out ageing or unreliable equipment without putting pressure on day-to-day liquidity or forcing a delay in handover.
Packaging several items under one wider requirement where the supplier and proposal structure support that approach.
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.
Our specialists understand equipment finance inside out. In a single 15-minute call we can tell you what's possible, what rate to expect, and which lenders are most likely to say yes — saving you time and protecting your credit profile.
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In the meantime, feel free to check eligibility if you're ready to proceed.
"Finding Capital helped us fund a new CNC machine quickly and explained the hire purchase route clearly from the start."
"We needed machinery in place before a contract start date. The process moved far faster than our bank route had."
"The team found a structure that protected cashflow while still letting us move ahead with equipment we needed for growth."
Almost any hard asset used for business purposes can be financed — including manufacturing machinery, CNC equipment, commercial vehicles, agricultural plant, printing equipment, medical and dental equipment, technology and IT infrastructure, catering equipment, renewable energy systems, and much more. If it has tangible value and is used in your business, there's likely a finance solution available.
With hire purchase (HP), you pay for the asset in instalments and own it outright at the end of the term. With a finance lease, you use the asset for a set period but don't own it at the end — you either return it, extend the lease, or sell it on behalf of the funder and keep a proportion of the proceeds. HP typically suits assets you want to own; leasing suits assets you want to use and then upgrade.
Yes. Many lenders on our panel are happy to finance used assets, though the age, condition and type of asset will affect the terms available. Generally, assets up to 10–15 years old can be financed, though this varies by asset category. Speak to one of our advisors for guidance on a specific asset.
Our initial enquiry and lender matching process is designed to help you understand the right route first. If a formal credit search is needed for a specific lender, that only happens once you choose to proceed and give your consent. We are transparent about this at every stage of the process.
We aim to respond to new enquiries within 1 hour. From there, straightforward applications can return a credit decision in as little as 30 seconds, while more complex or higher-value facilities can take up to 4 hours. Once approved and documentation is signed, your supplier is usually paid on the day of delivery, typically within 24–48 hours.
Not always. Many lenders offer 100% finance on the asset value. In some cases, particularly for high-value assets or businesses with a shorter trading history, a deposit of 10–20% may be requested. Our advisors will always seek to minimise upfront costs where possible and will clearly explain any deposit requirements before you commit.
As an FCA-authorised credit broker, we act on your behalf to search our panel of 100+ lenders and find the most suitable product for your circumstances. We are not a lender ourselves. We receive commission from lenders when you enter into a finance agreement — this is fully disclosed and does not change the rate you receive. Our job is to find you the best deal, not to push a single product.