Equipment Finance for UK Businesses
Finance embroidery machines, catering equipment, CNC machinery, gym equipment, telecom hardware and more through a broad lender panel built around supplier timelines and real business use cases.
High-intent sectors we support
We work across supplier-led purchases where install dates, stock, delivery timing and asset type all shape the funding route.
Not sure what you can borrow? Check in two minutes — no credit search at this stage.
Check Eligibility →What is Equipment Finance?
Spread the cost, keep your cash flow moving
Equipment finance lets your business acquire the assets it needs without tying up capital. Instead of paying the full purchase price upfront, the cost is spread over a fixed term through regular monthly payments - keeping your working capital free for operations and growth.
As an Independent Finance Broker broker, we search across 100+ lenders to find the most suitable structure for your business - whether that's hire purchase, finance lease or operating lease.
Get a Quote in 30 Seconds →Industries We Support
Equipment finance shaped around real buying journeys
We support sector-specific purchases where supplier timelines, installation schedules and asset value all affect the structure.
Production equipment
CNC machinery, fabrication lines, packaging equipment and revenue-generating plant for output-focused businesses.
Kitchen and venue fit-out
Commercial kitchens, refrigeration, coffee equipment and front-of-house assets for site launches and refurbishments.
Clinical and treatment equipment
Dental, medical and specialist treatment assets where quality, compliance and installation timing matter.
Specialist print assets
Embroidery machines, UV printers, finishing kit and wide-format production assets for growing print shops.
Studio and gym rollouts
Multi-site fit-outs, cardio equipment, strength machines and launch-ready bundles for new openings.
Business hardware and IT
Servers, networking, EPOS and specialist tech hardware where refresh cycles and uptime are commercially critical.
How Long Approval Takes
Approval timelines that work with suppliers
We’ve kept this section practical, because equipment finance speed matters most when stock, installs or opening dates are on the line.
Broker review
We review the equipment, supplier and business profile quickly so the case goes to lenders with the right asset appetite.
Credit decision
Straightforward equipment finance can return a decision in seconds, while bespoke or higher-value assets may take longer.
Supplier payout
Once paperwork is signed, the supplier is usually paid on the day of delivery, typically within 24 to 48 hours, so orders and installs stay on track.
Equipment We Finance
We finance virtually any business asset
If your business uses it to operate or grow, we can likely finance it. Here are the most common equipment types we fund.
Embroidery & Textile Machines
Multi-head embroidery machines, flatbed plotters, heat press equipment and finishing machinery for textile businesses.
Coffee & Catering Equipment
Commercial espresso machines, catering kitchen fit-outs, refrigeration units and hospitality equipment.
Printing & Signage Equipment
Wide-format printers, digital presses, laser cutters, UV printers and print finishing equipment.
Manufacturing & CNC Machinery
CNC machining centres, lathes, milling machines, press brakes, welding equipment and fabrication machinery.
Gym & Fitness Equipment
Commercial treadmills, free weights, resistance machines, flooring and full gym fit-outs for fitness businesses. View gym equipment finance →
IT Hardware & Technology
Servers, workstations, networking infrastructure, EPOS systems and business technology equipment.
Commercial Vehicles
Vans, HGVs, trucks, forklifts and specialist commercial vehicles. See vehicle finance →
Construction & Plant Equipment
Excavators, dumpers, scaffolding, access platforms and construction plant for building and civil engineering firms.
Beauty & Salon Equipment
Salon chairs, laser aesthetic equipment, tanning beds and specialist beauty industry hardware.
Security & CCTV Equipment
CCTV systems, access control, alarms and security hardware for commercial premises and multi-site operators.
Finance by Sector
Explore equipment finance by industry
These dedicated sector pages give stronger routes into the specific equipment categories that convert best for supplier-led and high-intent searches.
Embroidery Machine Finance
Finance embroidery machines, textile production equipment and installation-led purchases with terms matched to growth plans.
View sector pageCoffee Machine Finance
Support café launches and hospitality rollouts with funding for espresso machines, grinders and commercial coffee setups.
View sector pageTelecom Equipment Finance
Fund phones, systems, networking hardware and telecom infrastructure where upgrades and staged installs need flexible structures.
View sector pageSecurity Equipment Finance
Arrange finance for CCTV, alarms, access control and wider security systems where payout speed is critical for deployment.
View sector pageGym Equipment Finance
Support fitness launches and expansion plans with funding for cardio kit, resistance equipment, reformer pilates kit and wider studio fit-outs.
View sector pageRestaurant Equipment Finance
Finance kitchens, refrigeration and front-of-house equipment where site launches and refits are time-sensitive.
View sector pagePrinting Equipment Finance
Fund presses, wide-format printers and finishing equipment for print shops and production-led businesses.
View sector pageConstruction Equipment Finance
Arrange finance for plant, access equipment and construction machinery where utilisation and contract timing matter.
View sector pageMedical Equipment Finance
Support clinics and healthcare operators with finance for treatment, diagnostic and specialist clinical equipment.
View sector pageBeauty & Aesthetics Equipment Finance
Fund treatment devices, clinic technology and room upgrades for salons, aesthetics clinics and treatment-led studios.
View sector pageHow It Works
From application to funded in hours
Our simple 4-step process gets your equipment financed as quickly as possible.
Apply Online
Complete our short application in under 3 minutes. Tell us what equipment you need and how much you're looking to finance.
Credit Decision
We search 100+ lenders and can potentially return a credit decision in as little as 30 seconds, with no impact on your credit profile for limited companies.
Agreement Signed
Your dedicated broker sends you the finance agreement. Documents are typically ready within 4 hours of approval.
Equipment Ordered
Once documents are signed, the supplier is usually paid by the lender on the day of delivery, typically within 24 to 48 hours, so equipment handover stays on track.
Recent Funding Examples
Equipment we've recently funded
Illustrative examples based on real deal types we regularly arrange across a range of industries and asset classes.
Client Feedback
What our clients say
"Finding Capital sourced finance for our new embroidery machines within 48 hours. The process was completely painless and the rate was better than our bank offered."
"We needed our catering kitchen funded quickly before a contract start date. Finding Capital had the agreement signed and funds released in under 72 hours."
"Our CNC machine was funded faster than I thought possible. Finding Capital explained all the options clearly and found us the right structure for our tax position."
Common Questions
Equipment finance FAQs
We finance virtually any business asset - from embroidery machines and catering equipment to CNC machinery, IT hardware, gym equipment, vehicles and more. If your business uses it to operate or grow, we can almost certainly finance it.
We typically finance equipment from £1,000 up to £2,000,000 per transaction. For larger requirements or multi-asset portfolios, please speak to one of our brokers directly.
Our initial credit search is a soft search, which means it won't appear on your credit file or affect your score. A hard search is only conducted once you proceed to a formal application with a lender.
Yes, many of our lenders will consider used or refurbished equipment. The asset age, condition and the supplier you're purchasing from will all factor into the lender's decision.
We aim to respond to new enquiries within 1 hour. Our initial credit decision can be returned in as little as 30 seconds and typically within 4 hours, and your supplier is usually paid on the day of delivery, typically within 24–48 hours of signing.