Flexible Vehicle & Asset Finance Solutions for Your Business
Tailored finance to get your vehicles, equipment and cash flow working for you — without the hassle.
Vehicle Asset Finance that protects your cash flow
Fund cars, vans, HGVs and fleets without tying up valuable working capital.
- ✔ Spread the cost over 12–84 months
- ✔ Fixed or variable rate options
- ✔ Reduce monthly payments with a balloon
- ✔ New or used vehicles
- ✔ Business use only
Why Business Asset Finance?
Looking to grow your business without tying up all your cash?
Looking to grow your business without tying up all your cash? Asset finance allows you to fund vehicles, equipment, or machinery without paying the full cost upfront. Instead, you spread the cost through manageable monthly payments, helping you protect cash flow and plan more confidently.
Whether you are investing in new vehicles, upgrading equipment, or expanding your fleet, asset finance can be a smart way to grow without the financial strain of a large one-off purchase. With flexible options such as Hire Purchase and Leasing, you can choose a structure that suits your business from both a tax and cash-flow perspective.
Vehicle Finance Options
Flexible ways to fund cars, vans and commercial vehicles
Hire Purchase (HP)
Spread the cost of a vehicle with fixed monthly payments. You will own the vehicle outright once all payments, including any option-to-purchase fees, are made. You can also reduce monthly costs by using a final balloon payment. Typically, your business’s deposit on a Hire Purchase agreement is the VAT element of the asset plus a capital contribution, although this can vary depending on the strength of the asset and your business.
Finance Lease
Lower monthly payments with long-term use of the vehicle. You won’t own the asset, but you can extend the lease or sell the vehicle on behalf of the lender at the end of the term. Typically, initial payments cover a number of monthly payments in advance, depending on the agreement and asset value.
Operating Lease / Contract Hire
A simple fixed-cost rental option. Pay monthly to use the vehicle and return it at the end of the agreement, avoiding depreciation risk and ownership responsibilities.
Quick Application Process
Speak with a finance consultant to discuss your requirements and provide the requested information, typically your latest accounts, business bank statements, and asset details.
Clear and Fast Decision Making
Receive a quick assessment of which lender we will approach and an estimated timescale. Decisions can be made in as little as 2 hours.
Finance Finalisation
Once approved, we finalise the finance and send you the relevant paperwork for signing.
Drawdown of Finance
Drawdown of the approved financing to support the next steps of your business.
Fixed Or Variable Hire Purchase
Two structured ways to fund a vehicle, depending on how much certainty or flexibility your business requires.
Fixed Rate Hire Purchase
- Monthly payments are set at the outset and remain unchanged
- Provides certainty over total funding costs for the full term
- Supports accurate cash-flow forecasting and budgeting
- Protects against interest rate increases during the agreement
- Well suited to longer-term funding commitments
Variable Rate Hire Purchase
- Interest rate moves in line with the Bank of England base rate
- Monthly payments may increase or decrease during the term
- Repayments reduce if base rates fall
- Initial pricing may be lower than fixed-rate alternatives
- Greater flexibility for early settlement or refinancing
- Often considered for shorter terms or planned early exit
- Requires tolerance for interest rate movement over time
How Hire Purchase Supports Cash Flow
Hire Purchase allows your business to acquire a vehicle without paying the full cost upfront, helping you manage working capital while putting the asset to work immediately.
Practical Example: Renault Master Van
Instead of paying £41,500 upfront, your business can use Hire Purchase to spread the cost over 48 months while using the van immediately.
This structure allows you to put the van to work immediately for deliveries, site visits or contract work, while keeping most of your cash available for wages, VAT, stock and operating costs.
Example shown for illustration only. Figures are indicative and subject to asset type, credit profile and agreement structure.
More Ways We Support Business Cash Flow
Many of our customers use vehicle finance alongside other funding solutions to keep cash flow balanced and support long-term growth.
Commercial Mortgages
Finance business property purchases while protecting working capital.
VAT Loans
Spread VAT payments to reduce pressure on monthly cash flow.
Working Capital
Flexible funding to support wages, stock, and day-to-day operations.
Asset Refinance
Release cash from existing assets already on your balance sheet.
Growth & Expansion Funding
Funding solutions designed to support scaling businesses.
Equipment Finance
Spread the cost of your equipment over time, freeing up your working capital for other needs without a large initial investment.
