★★★★★
"Introducing finance stopped us losing momentum on larger quotes. Customers had a practical monthly option and we kept more deals moving."
James R.
Commercial Catering Supplier, Birmingham
Supplier Finance Programme
Offer finance to your customers and make more deals easier to close.
Finding Capital helps suppliers turn price resistance into a monthly payment conversation. That means better conversion, stronger order values, less pressure to discount and a cleaner way to offer finance through the Supplier Portal.
quote and submit deals through the Supplier Portal
credit-clear customers 24/7
no cost to join the programme
Why Suppliers Use It
Built for teams that want finance to help them sell, not slow them down
The biggest benefit is practical: your team can present monthly payment options quickly, keep momentum in the sale and use the portal to quote, submit and track deals whenever the customer is ready.
Catering Equipment
Engineering Machinery
Medical Equipment
Construction Plant
Gym & Wellness
Print & Telecoms
30s
Decision Time
100+
Lender Panel
24hr
Typical Payout
32
Years Experience
What Is Supplier Finance
A better way to offer finance as part of the sales process
Supplier finance is not just about giving customers another payment method. It is about helping your sales team keep momentum, present a clear monthly figure and stop upfront cost from killing otherwise good deals.
With Finding Capital, suppliers get the commercial benefit of finance plus the operational side through the Supplier Portal. Your team can quote deals, submit opportunities, credit-clear customers 24/7 and see where cases are sitting without relying on back-and-forth emails.
That usually means stronger conversion, higher average order values, fewer discounts and a more professional customer experience when finance is needed.
How It Works
Four steps, from customer interest to supplier payout
01
Quote
You raise the opportunity with us when a customer wants to discuss monthly terms instead of paying outright.
02
Decision
We place the case with the right lender and can often return an initial decision in seconds, with fuller cases taking longer where needed.
03
Documentation
Once approved, the customer signs the finance documents and the order moves into the standard fulfilment stage.
04
Payout
After delivery or installation is confirmed, the lender pays out and you receive your funds without carrying the credit risk yourself.
Customer Routes
Which finance structures do suppliers usually offer?
Hire Purchase
Often the most familiar route for customers buying equipment they intend to keep. Fixed payments and a clear path to ownership make it easy to present at point of sale.
Best for: customers wanting ownership
Finance Lease
Useful where the customer wants to preserve flexibility, keep monthly costs predictable and potentially upgrade equipment later on.
Best for: longer-term use with flexibility
Business Loan
Helpful when the requirement includes soft costs, installation, labour or a wider project spend that does not sit neatly on one supplier invoice.
Best for: blended projects and soft costs
Why Finding Capital
Independent brokers. Built to help suppliers sell more effectively.
The real advantage is that your team gets a finance option they can actually use. Instead of waiting around for answers, they can use the Supplier Portal to quote, submit and move deals forward while the customer is still engaged.
Because we work across a broad lender panel, we can support a wider range of customers and asset types. That helps suppliers improve conversion, protect margin and keep finance from becoming a bottleneck in the sales process.
100+Lenders on panel
32 yrsCombined experience
£10mMaximum facility
What suppliers value
No cost to join
Supplier Portal access
Quote deals quickly
Credit-clear customers 24/7
Lender panel access
Clear process from order to payout
One named contact
"The supplier should be able to quote finance confidently, see whether a customer is likely to clear and keep the sale moving. That is what the portal and programme are there to support."
— Finding CapitalWhy Finding Capital
Independent brokers. Easy to use.
We help suppliers offer finance without building an in-house finance team. The Supplier Portal gives your team a live tool to quote, submit and credit-clear customers whenever needed.
The aim is simple: better conversion, stronger order values and a cleaner customer experience when finance is needed.
No cost to join
Portal access
24/7 credit-clearing
One named advisor
No obligation
100+Lenders
32 yrsExperience
£10mMax facility
Finance Options
Supplier finance options compared
Three common routes suppliers can present to customers depending on the asset, the invoice profile and how the customer wants the deal structured.
| Hire PurchaseA straightforward route where the customer spreads the cost over fixed payments and usually owns the asset at the end. | Finance LeaseA flexible structure often used where the customer wants to keep payments predictable and preserve upgrade options over time. | Business LoanA broader funding route that can support project costs not always covered by a standard equipment facility, such as labour or installation. | |
|---|---|---|---|
| Ownership at end | Usually yes | Optional ownership | N/A |
| Supplier payout | On completion | On completion | On drawdown |
| Works well for | Core equipment purchases | Long-term use with flexibility | Projects with soft costs |
| Typical term | 2–5 years | 2–5 years | 1–5 years |
| Best for | Customers wanting a simple ownership route | Keeping the asset long term with options to upgrade | Broader fit-outs or mixed-cost projects |
Availability depends on the asset, customer profile and how the invoice is structured. We place cases across the panel and confirm the strongest route once we have the detail.
Supplier Portal
One portal for quotes, submissions and cleaner deal flow
Quote deals quickly
Your team can produce presentable finance quotes without waiting for a manual response, which helps keep the conversation live while the customer is still engaged.
Credit-clear customers 24/7
The portal helps suppliers check whether a customer is likely to fit lender appetite at any time, not just during normal office hours.
Submit stronger opportunities
Structured proposal fields help your team send cleaner first submissions, which usually means less back-and-forth and faster progress through the lender process.
Track quotes and proposal history
Session history makes it easier to see what has already been quoted or submitted, helping your team avoid duplication and keep internal handoffs clean.
Support without slowing the sale
The portal works alongside our broker support, so your team has a live tool for day-to-day use without losing access to a named contact when a deal needs hands-on help.
What the Supplier Portal is there to do
The portal is designed to make supplier finance commercially useful. It gives your team a practical place to quote, submit and manage opportunities, so finance becomes a sales tool rather than an admin burden.
Present monthly payment options faster
Keep deal momentum while customers are engaged
Reduce avoidable email back-and-forth
Give sales teams more confidence using finance
Stay connected to the Finding Capital team
Supplier Feedback
See what suppliers say about the programme
Common Questions
Supplier finance explained
Does it cost anything to join the supplier programme?
No. We can review your business and explain how the programme works without a joining fee. The aim is to make finance commercially useful rather than create another overhead.
Do we carry the credit risk if a customer finances?
No. The agreement is between the customer and the lender. Your role is introducing the opportunity and delivering the order in the usual way once the deal completes.
Can finance help increase our average order value?
Often yes. Once customers see a manageable monthly figure instead of one upfront payment, it becomes easier for them to proceed, upgrade or add related items.
What types of suppliers tend to fit best?
The strongest fit is usually suppliers selling commercial equipment, machinery, fit-outs or specialist systems to business customers on meaningful ticket values.
Do you handle the lender process for us?
Yes. We manage the funder side, guide the case through and keep you updated, so your team can stay focused on selling and delivering rather than chasing finance administration.
Related insights
Useful reading for supplier partners
Equipment finance
A broader guide to how equipment deals are structured and why monthly payments help business customers move sooner.
Asset finance
Useful if you want to understand the wider funding market your customers may be comparing alongside supplier-led finance.
Our lender panel
More on how we work across a broad lender panel rather than relying on one provider or one rigid credit appetite.
Supplier Sectors
Supplier finance across commercial sectors
Want to see how supplier finance could help you win more business?
We can show you how the Finding Capital programme helps suppliers offer finance more effectively, use the Supplier Portal to quote and submit deals, and credit-clear customers 24/7 while the sale is still live.
Speak to Supplier Team