Asset Finance for UK Businesses -
Flexible, Fast, and Trusted
Asset finance helps UK businesses acquire essential vehicles, machinery, and equipment without large upfront costs.
What is Asset Finance?
Asset finance enables businesses to fund vehicles, machinery, technology, or equipment through manageable monthly repayments. Instead of tying up capital, you gain immediate access to the assets your business needs while maintaining financial stability.
At MacManus Asset Finance, we are FCA-regulated and independent, with over 25 years of experience arranging equipment finance, machinery finance, and other asset finance solutions for UK businesses of all sizes.
Whether you need vans, IT systems, plant machinery, or specialist equipment, this form of funding provides predictable budgeting and long-term flexibility.
How Asset Finance Works
1. Choose the asset: machinery, vehicles, or technology.
2. Apply through MacManus Asset Finance: we assess your requirements.
3. We approach lenders: comparing options across our independent panel.
4. Agreement arranged: with clear, fixed terms.
5. Asset delivered: your business uses it immediately.
6. Repay over time: structured instalments aligned with your cashflow.
7. End-of-term options: purchase, extend, upgrade, or return.
This simple process helps businesses secure asset leasing solutions quickly and confidently.
Main Types of Asset Finance
Hire Purchase (HP)
Fixed monthly payments leading to ownership at the end of the term.
Finance Lease
Long-term use without ownership, with options to extend or upgrade.
Operating Lease
Shorter-term, flexible, and commonly used for vehicles and equipment.
Asset Refinance
Unlock cash tied up in existing assets to improve liquidity.
These options make asset finance a powerful tool for business equipment funding.
Benefits of Asset Finance
Working with an expert broker provides clear advantages:
Cashflow preservation
Keep working capital available for wages, stock, or expansion.No big upfront costs — pay bit by bit instead.
Predictable budgeting
Fixed monthly instalments aid financial planning.
Tax advantages
Repayments and interest can often be offset against tax.
Access to modern equipment
Upgrade fleets, IT, or machinery without large outlays.
Scalability
Whether funding £10,000 or £1 million, terms can be tailored.
Lower risk
The asset itself often acts as security, improving approval chances.
For many SMEs, asset finance UK offers more flexibility than bank loans or overdrafts.
Why Use an Asset Finance Broker?
Working with a bank limits your choices. As independent brokers, we compare multiple lenders to secure competitive terms that suit your business.
With MacManus Asset Finance, you benefit from:
- Compare multiple lenders across the asset finance UK market.
- Negotiate competitive rates and repayment structures.
- Handle paperwork and applications on your behalf.
- Provide impartial advice, not tied to a single bank’s policy.
- Build long-term relationships to support future growth.
Our expertise ensures businesses receive the best possible equipment finance options.
Get Your Asset Finance Quote
Fill out the form below or call us at 0330 027 0433 for more details and we'll get in touch to discuss your options.
Industries We Support
We deliver funding solutions across key UK sectors, including:
- Haulage & Logistics – HGVs, vans, trailers, and fleet expansion.
- Construction – Plant, diggers, cranes, and specialist machinery.
- Manufacturing – CNC machines, robotics, and production lines.
- Professional Services – IT systems, telecoms, and office equipment.
- Healthcare & Education – Medical devices, transport, and technology.
- Agriculture – Tractors, harvesters, and farm machinery.
- Leisure & Hospitality – Kitchen equipment, vehicles, and technology.
Our asset finance solutions support businesses at every stage of growth.
Qualifications and Documents Needed
Lenders typically assess:
- Financial performance – turnover, profitability, stability.
- Trading history – length of operation and growth trends.
- Credit history – both business and directors’ profiles.
- Asset details – value, age, and resale potential.
Documents may include:
- Latest set of accounts.
- 3–6 months of bank statements.
- Supplier invoice or quotation.
We prepare your application professionally to ensure smooth approval.
Why Businesses Choose
MacManus Asset Finance
- 25+ years’ experience in asset finance and equipment finance UK.
- Award-winning service – Business Moneyfacts Asset Finance Broker of the Year 2024, commended 2025.
- Independent and FCA-regulated – impartial advice you can trust.
- Wide lender panel – from banks to niche funders.
- Personal service – we know our clients by name, not by number.
We are trusted across the UK for reliable business equipment funding and asset leasing solutions.
Get Your Asset Finance Quote
Fill out the form below or call us at 0330 027 0433 for more details and we'll get in touch to discuss your options.
Frequently Asked Questions
An asset finance broker connects businesses to multiple lenders to secure the best equipment finance terms.
A lender funds the asset, the business uses it immediately, and payments are made in fixed instalments over an agreed term.
Yes — many SMEs rely on asset finance UK to fund vehicles, machinery, and technology.
Yes, provided it meets lender criteria on age and condition.
Repayments and interest may qualify for relief. Always seek professional tax advice.
Related Finance Options
Business Loans
Expand, hire more staff or increase cash flow.
- Up to £500,000 unsecured
- From 5% per annum
- 3 months to 5 years term
Invoice Finance
Turn unpaid invoices into working capital right away.
- Up to 90% of invoice value
- From 1 to 3% and discount rates from 1.7% over base
- Rolling or fixed agreements
VAT Loans
Break your VAT bill into manageable payments.
- Drive now, pay monthly. Don’t pay it all at once.
- Up to £2.000,000+
- 1 to 5 years term
Car Finance
Drive now, pay monthly. Don’t pay it all at once.
- Up to £2.000,000+
- From 9.9% APR subject to credit profile
- 1 to 5 years term
Asset Finance for UK Businesses | Award-Winning Brokers
Discover tailored asset finance with MacManus Asset Finance. Independent, FCA-regulated asset finance brokers with 25+ years’ experience.
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- 0330 027 0433
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