Asset Finance for UK SMEs – Flexible, Fast, and Trusted
Asset finance for SMEs helps UK businesses acquire vehicles, machinery, and equipment without large upfront costs, preserving cash flow and enabling growth.
What is Asset Finance?
Asset finance for SMEs allows businesses to fund vehicles, machinery, technology, or equipment through manageable monthly repayments. Instead of tying up capital, SMEs gain immediate access to essential assets while maintaining financial stability.
At MacManus Asset Finance, we are FCA-regulated and independent, with over 25 years’ experience arranging SME equipment finance, machinery finance, and other asset finance solutions for UK SMEs
Whether you need vans, IT systems, plant machinery, or specialist equipment, this funding provides predictable budgeting, flexibility, and growth support.
How Asset Finance Works
1. Choose the asset: machinery, vehicles, or technology.
2. Apply through MacManus Asset Finance: we assess your SME funding requirements.
3. Compare lenders: independent access to multiple financing options.
4. Agreement arranged: with clear, fixed terms.
5. Asset delivered: use immediately in your business.
6. Repay over time: structured instalments aligned with your cashflow.
7. End-of-term options: purchase, extend, upgrade, or return.
Main Types of Asset Finance
Hire Purchase (HP)
Fixed monthly payments leading to ownership.
Finance Lease
Long-term use without ownership, with upgrade options.
Operating Lease
Flexible, short-term option, commonly for vehicles and equipment.
Asset Refinance
Unlock cash tied up in existing assets to improve liquidity.
Benefits of Asset Finance
Working with an expert broker provides clear advantages:
Preserve cash flow
Keep working capital available for expansion.
Predictable budgeting
Fixed monthly instalments aid planning.
Tax advantages
Repayments and interest often offset against tax.
Access to modern equipment
Upgrade fleets, IT, or machinery without upfront costs.
Scalability
Finance small or large investments tailored to SME needs.
Lower risk
Assets often act as security, improving approval chances.
Why Use an Asset Finance Broker?
Working with MacManus Asset Finance gives SMEs:
- Comparison across multiple lenders.
- Competitive rates and flexible repayment structures.
- Expert guidance and support with applications.
- Impartial advice, not tied to a single bank.
- Long-term relationship for future funding needs.
Apply for Asset Finance
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
Our SME asset finance solutions cover:
- Haulage & Logistics: HGVs, vans, trailers.
- Construction: Plant, diggers, cranes, machinery.
- Manufacturing: CNC machines, robotics, production lines.
- Professional Services: IT systems, telecoms, office equipment.
- Healthcare & Education: Medical devices, transport, technology.
- Agriculture: Tractors, harvesters, farm machinery.
- Leisure & Hospitality: Kitchen equipment, vehicles, 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 and growth).
- Credit profile (business and directors).
- Asset details (value, age, resale potential).
Documents may include:
- Latest accounts.
- 3–6 months of bank statements.
- Supplier invoice or quotation.
We prepare applications professionally for smooth SME approval.
Why Choose MacManus Asset Finance?
- 25+ years’ experience in SME asset finance.
- Award-winning broker – Business Moneyfacts Asset Finance Broker of the Year 2024, commended 2025.
- Independent and FCA-regulated – impartial advice you can trust.
- Access to specialist SME lenders
- Transparent comparisons and advice
- Dedicated support from application to completion
- Trusted by UK businesses nationwide
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.
- OR CALL
- 0330 027 0433
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We analyze your business profile to match you with
the right finance—fast and fee-free.
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