Helping Businesses Grow With The Best Business Finance Solutions

For over 20 years, we have been the trusted business finance provider helping UK businesses grow at flexible and affordable rates.

5-star Excellent Service

Helping UK Businesses Thrive with Smart, Specialist Finance

At MacManus Asset Finance, we provide tailored funding solutions that help UK businesses unlock growth, improve cash flow, and invest in the future. Whether you’re acquiring vital equipment, upgrading vehicles, or looking to free up working capital, our expert team sources the right finance—fast, flexibly, and with a personal touch.

As an award-winning, independent finance brokerage, we work directly with business owners and finance directors to arrange asset finance, invoice finance, and commercial loans that are aligned to your specific needs. Unlike banks or general brokers, we specialise in supporting owner-managed businesses and niche sectors—from funeral services and haulage to manufacturing and construction.

Our Products

Quick, flexible business financing solutions

Our straightforward, competitive finance is built around the needs of your business. Whether you’re purchasing vehicles, investing in machinery, or managing tax obligations. With over 20 years of experience and a dedicated team, MacManus Asset Finance is here to support your growth with clear advice and flexible solutions.

Asset Finance

Acquire assets like machinery, vehicles, and equipment without paying full upfront cost

Business Loans

Expand, hire more staff or just more cash flow.

Invoice Finance

Turn unpaid invoices into working capital right away.

VAT Loans

Break your VAT bill into manageable payments.

Car Finance

Drive the vehicle you need, on terms that work for you.

Why Choose Us

experience premium financial services

Access the Very
Best Interest Rates

Quick & Easy
Application Process

Dedicated Account
Manager Supports You

From Inquiry to
Payout in Under a Week

Fee Free Brokerage
Service

Helping UK businesses grow for over 20 years

Our Finance Partners

liberty-leasing
liberty-leasing
liberty-leasing

Our Easy 4-Step
Asset Finance Process

We work closely with you every step of the way to ensure a seamless process.
01

Get In Touch

Call, email, or fill out a form — we’re ready to help.
02

Consultation & Quote

We ask a few simple questions, then find the best finance options for you.
03

We Apply

You like the quote? We handle the
application and talk to the lenders.

04

Quick Funding, No Fees

Lender pays your supplier. No broker fees — our help is free.

Our Easy 4-Step
Business Loans Process

We work closely with you every step of the way to ensure a seamless process.
01

Get In Touch

Call, email, or fill out a form — we’re ready to help.
02

Consultation & Quote

We ask a few simple questions, then find the best business loan options for you.
03

Choose an Option and We Apply For You

After you choose your loan, we handle the application and talk to lenders for you.

04

Get The Loan

You receive the money. No broker fees — our help is free.

Our Easy 4-Step
Invoice Finance Process

We work closely with you every step of the way to ensure a seamless process.
01

Get In Touch

Call, email, or fill out a form — we’re ready to help.
02

Consultation & Quote

We ask a few simple questions, then find the best invoice finance options for you.
03

Compare Options & Meet Providers

We show you 2–3 good choices. You can talk to the lenders first. No pressure, no rush.

04

We Help You Set Up

Once you pick a lender, we help you get started. You get the right invoice finance plan to grow your business.

Our Easy 4-Step
VAT Loans Process

We work closely with you every step of the way to ensure a seamless process.
01

Get In Touch

Call, email, or fill out a form — we’re ready to help.
02

Consultation & Quote

We ask a few simple questions regarding financials, then find the best VAT loan options for you.
03

Application & Lender Coordination

We take care of the whole application and talk to the lenders for you, so you don’t have to.
04

HMRC Payment & No Broker Fees

We send everything to the lender, and they pay HMRC directly.

Our Easy 4-Step
Car Finance Process

We work closely with you every step of the way to ensure a seamless process.
01

Get In Touch

Call, email, or fill out a form — we’re ready to help.
02

Consultation & Quote

We ask a few simple questions regarding financials, then find the best car finance options for you.
03

Application & Lender Coordination

We take care of the whole application and talk to the vehicle funder for you.
04

Vehicle Delivery

Enjoy your new car—backed by a smooth, hassle-free process.

Check our Finance Calculator

Get an Instant Estimate on Monthly Repayments

Use our finance calculator to quickly estimate your monthly repayments – simply enter the amount you’d like to borrow, the term, and your business credit rating to get started.

Frequently Asked Questions

We are your Outsourced Business Finance Partner, providing a fee free brokerage service that supports business with 5 essential business financing products, asset finance, business loans, VAT loans, invoice finance and car finance.

We recommend visiting the relevant product page which you can access at the top of that page to learn more about each of our products.

You can call our office on 0330 027 0433 , or email us at info@macmanus.finance . Alternatively, you can complete any of the webforms you will find across this website. However you connect with us our team stand ready to support you immediately.

Anything moveable that a business needs to function. This includes any and every type of light, heavy and passenger carrying vehicle, plant and machinery, print, manufacturing, engineering, renewables as well as IT, telecoms, and office equipment. If in doubt, ask. You may be surprised how flexible asset finance can be. 

Eligibility depends on several factors including your business’s financial health, credit history, and the type of asset being financed. Our team can provide a detailed assessment.

The approval process typically takes between 24 to 72 hours, depending on the complexity of the application and the availability of your documents.

We have access to an extensive panel of finance providers and as such can assist firms across the spectrum of credit standing. Interest rates will vary based on the type of financing, the amount borrowed, and the creditworthiness of the applicant. We don’t provide generic quotes – they serve no purpose. Instead all our quotes we are based on a personalised initial expert assessment of the proposal and are based on real-time funding costs. This ensures we can provide highly accurate pricing so that you can make educated and informed decisions. 

We hate fees. We really do. Unlike many brokerages we do not charge fees for making an application. We are paid commission by lenders for successfully placing business with them.
However there are costs we incur when packaging an application and we need to protect the integrity of our funding panel. Sadly, some businesses do not act ethically in engaging with brokers so we wish to dissuade those businesses from approaching us.

The quotation we provide you is based on our expert assessment of the proposal and once you instruct us to proceed to a full credit  application we will ask you to sign our Terms of Business.

Our Terms of Business contains a Confirmed Offer Fee Clause of 1% of the proposed loan amount. If we cannot secure an offer of finance on the terms quoted then no fee is ever due. If we secure the finance as quoted and you complete the transaction, no fee is due.

The only circumstance where we would request the Confirmed Offer fee of 1% of the proposed loan amount is where we secure the finance offer, exactly as quoted, and the finance facility is not taken up with 90 days of the offer being made.

This approach dissuades applicants from business that do not respect our service and allows us to focus on building strong relationships with trusted clients that share our belief in engaging ethically in business.

To date we have never needed to request a fee from any client.    

Yes, we offer financing for both new and used vehicles and machinery. Age limits do apply and vary among assets classes, however over half of the asset we fund are used so please talk to us about what you are looking for an you may be surprised how flexible we can be. 

Repayment terms vary based on the type and age of the asset, however the broad range is from 12 to 84 months, with the majority of assets being financed between 36 and 60 month terms.

You can reach us through any of our website’s contact form, by phone 0330 027 0433, or via email at info@macmanus.finance . Our expert team are ready to assist you.

Success Stories

What our clients say

We have engaged MacManus Asset Finance Ltd many times over the years on several of their product offerings. To us, as an asset finance broker, MacManus stand out with their quality service and speed of engagement. Our initial enquiries are dealt with immediately, and within 48 hours MacManus just seem to deliver time and time again.

MacManus find ways of making it work, we know that not every penny will fit the slot, but taking on their ideas on how best we structure our finance gives us a positive feeling that we are in good hands. The MacManus team have taken time out to get to know us, understand the challenges we have in our contracting business, and find us a competitive deal which works for all parties. We are really pleased to support MacManus and wish all the team success.

Paul Evans
Inscapes

MacManus have always provided a professional first-class service to my company. We have used their services to purchase vehicles over a number of years and have always been very satisfied with the information and options they have furnished us with and the efficiency with which our requests have been dealt. I would highly recommend them to any business looking for financial products.

Fiona Kemp
H Kemp and Son Limited

Chris and his team have provided us with an excellent service again this year. They continue to provide competitive quotes and practical solutions to our finance needs.

Ian Gray
T4 Logistics Limited

This is a top company, who strive to provide not just a service but one that is over and above any other. They are like a family business where their clients come first and they are probably the best in their field.

Darren Hancock
D L Hancock Ltd

Chris and all at MacManus Ltd have helped our family business for many years. Chris’s help and advice has been greatly appreciated by both my father Roy and myself.

Robin Folland
Roy Folland & Son

Your Outsourced Business
Finance Partner

We analyze your business profile to match you with
the right finance—fast and fee-free.

Get in touch

Stay Connected on Social

macmanus-awards

Keep up to date with all the latest News
and Finance products.

MacManus Asset Finance Limited Registered Address: Ground Floor, Unit 5, De Clare Court, Pontygwindy Road, Caerphilly, CF83 3HU. Company Number 05785432. MacManus Asset Finance Limited is an independent finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent finance advisors and so are unable to provide you with independent financial advice. MacManus Asset Finance Limited may receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. MacManus Asset Finance Ltd is Authorised and Regulated by the Financial Conduct Authority. Firm number 821663. You may check our FCA registration here. MacManus Asset Finance is registered with the ICO here. Data Protection Registration Number Z9484665. MacManus Asset Finance aims to provide our customers with the highest standards of service. If our service fails to meet your requirements we will endeavor to find a resolution. View our complaints procedure.

Copyright 2025 | MacManus Asset Finance Ltd | All rights reserved.