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Compare one of the largest lending panels in the UK with an application that takes minutes. Instant decisions and same day funding available.
Access new equipment with ease and return it at the end.
Spread payments and own the asset once the term ends.
Use tools short-term with flexible monthly payments.
Release cash from assets your business already owns.
Prefer to talk? Contact us today on 01908 880420
Asset Finance allows your business to spread the cost of essential equipment, machinery, or vehicles over time. Instead of a large upfront payment, you pay in manageable instalments. This supports cash flow, preserves working capital, and ensures you can invest in the tools you need to grow – without delaying key purchases or upgrades.
Asset Refinance unlocks the value tied up in your existing equipment, vehicles, or machinery. By refinancing these assets, your business can release cash to support growth, cover expenses, or manage cash flow. It’s a smart way to raise funds quickly while retaining use of the assets that keep your operations running smoothly.
Accessing business finance doesn’t need to be complicated or time-consuming. We put you in front of multiple lenders to bring you fast, flexible solutions that meet your finance needs.
Submit basic information about your business and your requirements, you can do this either online or by calling us on 01908 880420.
Once you have accepted, and completed the paperwork of your preferred offer, funds can potentially be with you on the same day (subject to lender and product).
Prefer to talk? Contact us today on 01908 880420
At The Funding Store we know our finance, and we know how important it is for small businesses to access the right finance, at the right time.
Put our team to the test. Contact us today, on 01908 880420, and let’s talk about your specific needs. We will then set about finding the right finance for your business, all without obligation of course.
Asset finance is one of the smartest ways to invest in the tools, vehicles, and equipment your business needs without putting pressure on cash flow. Instead of paying upfront, you spread the cost over time while still benefiting from the asset straight away.
If you need immediate access to finance our team will work to your brief, providing a same day decision, with finance in your account on the same day (subject to product and lender).
We have access to some of the UK’s leading finance providers, who can offer you some very competitive rates for your finance needs. Contact us to discuss your requirements.
We don’t use a scattergun approach, Understanding your finance needs allows us to approach the right lenders on our panel, which means you will not be hit by multiple credit searches.
We don’t charge for searching for your finance. We only earn if you choose a finance package that you are happy with, therefore our sole focus is finding finance that meets your needs.
We are happy to talk to everyone involved, including your accountant, IFA or solicitor to make sure we are all working together, or to request information, taking the hassle off your shoulders.
No upfront broker fees
Access to over 100 market leading lenders
Funding for almost any purpose
We are continually reviewing funding providers to bring you choice, competitive rates and flexibility, allowing you to access the right finance, at the right time.
Most importantly, we are passionate about what we do. This is evident in our enthusiasm and commitment to assisting you at each stage, and after you have secured your finance.
Unlock the equipment your business needs without tying up cash. The Funding Store arranges asset finance across the UK, matching your purchase to flexible structures and a large lender panel. From vans and plant to IT, production lines and renewables, we’ll line up funding built around your cash flow and timelines.
Asset finance enables you to acquire equipment, vehicles or technology and pay over time. Instead of a full upfront purchase, you spread the cost through predictable repayments aligned to your revenue cycle.
Structures vary by asset type and accounting treatment, helping you preserve working capital and keep projects moving.
Looking for working capital rather than a purchase?
If you already own assets and want to release equity, see asset refinance.
Acquire the asset and spread the cost over a fixed term, with ownership passing after the final payment (and any option-to-purchase fee). Suits long-life assets and firms seeking a clear path to ownership.
Rent the asset for a primary period with agreed rentals. At term end you can extend, upgrade or return (and in many cases benefit from a share of resale proceeds via a rebate structure). Useful where frequent refresh is expected.
Pay to use the asset for a defined period where the funder retains residual risk. Often aligns to projects or contracts and can produce lower rentals than a fully amortising structure.
Blend HP-style ownership with a final balloon to keep monthly outlay lower, subject to residual and asset profile.
Structures and accounting outcomes vary by lender and asset type.
Your accountant can confirm the most suitable treatment for your business.
Need to raise cash from assets you already own? Compare with asset refinance.
We arrange funding for limited companies, LLPs, partnerships and sole traders across sectors including construction, manufacturing, logistics, agriculture, professional services, healthcare, hospitality and retail. New starts and growing SMEs are considered by certain lenders where the case supports affordability and experience.
Your dedicated account manager will explain exactly what to provide and package the application cleanly to reduce back-and-forth.
We do not publish definitive rates. Availability and terms depend on lender criteria, credit profile, asset type and documentation.
Planning multiple purchases this year? We can explore a credit facility for repeat draws.
We’ll outline pros and considerations for each so you can select the structure that fits your goals and timelines.
If you sell equipment or vehicles, we can integrate point-of-sale finance so your customers receive funding options alongside your quote. This can improve conversion rates and speed order cycles. Ask about a branded finance journey and quick-quote tools.
Is my business eligible for asset finance?
Will I need a personal guarantee?
Can I release equity from equipment I already own?
Share the asset details, or supplier quote, and preferred term to get an instant quote.
Once you proceed, your account manager will scan our lender panel, present clear options and keep everything moving to pay-out.
We do not publish definitive rates. Availability and terms depend on lender criteria, credit profile, asset type and documentation.
Equipping your business with the right vehicles, machinery, or technology shouldn’t be complicated. The Funding Store makes it straightforward to arrange asset finance that unlocks the kit you need while spreading the cost.
Whether you plan to lease, use hire purchase, or refinance existing assets, we’ll shape a solution around your operations and cash flow.
Our process is fast and transparent. Complete a short application and we’ll compare options across our wide UK lender panel to find competitive structures that fit your timelines. Where available, approvals and pay-out can move quickly-often within 24–48 hours once checks and documents are complete-so you can keep projects on schedule.
You’ll get clear terms, straight communication, and a dedicated account manager to keep everything on track from quote to pay-out.
There are no upfront fees, and we set expectations at each step so you always know what’s needed and when.
Ready to move forward? Fill in the form today and see how quickly we can help you secure asset finance for vehicles, equipment, IT, or plant-so you can invest with confidence and focus on growth.
Asset finance lets your business acquire equipment, vehicles or technology and pay over time via structures such as hire purchase and leasing. It helps preserve cash and match payments to the benefit the asset delivers.
You choose the asset and supplier; we line up a structure (e.g., HP, finance lease) and term that you prefer. Once approved and documents are complete, the funder pays the supplier and you use the asset while making scheduled repayments.
Hire purchase (HP) typically ends in ownership after the final payment (and any option fee). Finance lease is a rental; you pay to use the asset and can extend, upgrade or return at term end depending on the agreement. Tax/accounting treatment and VAT handling differ.
Common categories include vans and HGVs, plant and machinery, agricultural kit, IT and telecoms, production lines, medical devices and some energy assets. Lender appetite varies by age, condition and residual value; used assets can be considered.
Some cases proceed at low or nil deposit; others benefit from 5–20%+ depending on asset type, profile and structure. A larger deposit can improve affordability or broaden lender appetite. Typically we see 10% + VAT as a norm, some lenders will allow you to defer the VAT.
Subject to lender and asset, we can get instant decisions up to £150k. Straightforward assets from established suppliers can move quickly once documents and checks are complete. Timelines depend on asset complexity, underwriting, and paperwork readiness. If speed is critical, compare with our Same-Day Business Loans.
Protect cash flow, align payments to ROI, access equipment sooner, and plan with predictable terms. Leasing also creates a natural upgrade path for fast-moving tech or specialist kit.
Asset finance is secured on the asset and tailored to its lifecycle, often with options at term end (e.g., upgrade, extend). A Business Loan is flexible cash for broader uses (stock, marketing, projects) and isn’t tied to one asset. Many businesses use both, depending on their goal.
With HP, title typically passes after the final payment and any option fee. With a finance lease, common routes include extending, upgrading or arranging return/resale under the agreement’s terms (sometimes with a rebate mechanism). We’ll outline end-of-term choices upfront.
Yes—specialist lenders fund soft assets (e.g., IT, software packages, furniture) and can often include delivery/installation, training, and warranties within the agreement, subject to criteria. Used equipment is possible where age, condition and provenance fit policy.
