Asset Finance
Fund the machinery, vehicles and equipment your business needs — without slowing down your cashflow.
Asset finance helps businesses acquire essential equipment without the upfront cost. Whether you're a contractor needing machinery, a tradesperson upgrading tools, or an SME buying vehicles or technology, asset finance spreads the cost so you can focus on growth.
What Is Asset Finance?
Asset finance allows you to purchase, lease or refinance equipment through structured agreements. This gives you immediate access to essential tools, machinery, vehicles or technology while preserving working capital.
Perfect for:
- Contractors needing machinery
- Developers upgrading equipment
- SMEs buying vans or commercial vehicles
- Workshops needing new tools or machinery
- Businesses upgrading IT or fit-outs
Who It's For
Construction & Trades
- Diggers, access platforms, scaffolding, power tools
- Vans, site vehicles, specialist machinery
Landlords & Developers
- Fit-out equipment
- Maintenance tools
- Tech and operational equipment
SMEs & Local Businesses
- Vehicles, workshop tools, refrigeration, machinery
- Technology upgrades
- Office equipment
Typical Products
Hire Purchase (HP)
Own the asset after final payment. Fixed monthly payments.
Finance Lease
Use the asset, ownership remains with the lessor.
Operating Lease
Flexibility and maintenance options included.
Asset Refinance
Release capital from assets you already own.
Typical Terms
Loan Size
£5,000 — £5m+
Term
1–7 years
Rates
asset and business dependent
Deposit
often low or zero
VAT
VAT deferral sometimes available
Security
usually the asset itself
Common Use Cases
Construction & Trades
Acquire machinery to win contracts.
SME Growth
Add equipment or vehicles without draining cash.
Workshops
Finance machinery to expand capacity.
Asset Refinance
Release capital tied up in owned assets.
Real-World Example
A contractor secured a new framework but needed machinery immediately. We arranged an HP agreement with VAT deferral, enabling fast mobilisation without cashflow strain.
Need equipment or vehicles but want to protect cashflow?
Let's discuss your asset requirements and find the right financing solution.
Get Asset Finance OptionsWhy BridgFunder London?
- Access to specialist asset finance lenders
- Clear explanations of HP, lease and refinance options
- Fast approvals (often 24–72 hours)
- Straightforward, practical communication