Asset Finance & HP
Hire-purchase, lease and refinance for plant, vehicles, kit.
Acquire or refinance hard assets — from CNC machines to commercial fleets — across 38 specialist asset funders.
Ticket size
£10K – £15M
Turnaround
Decision in 48h
Capital partners
38+
Composes with
3 sectors
Key highlights
What sets this apart.
HP & lease
Sale & leaseback
Soft & hard assets
The problem
Why this capability exists.
Asset finance via the dealer network is consistently 200–400 bps more expensive than going to market.
Our approach
- 01
Quote across the 38-funder panel with one application.
- 02
Layer sale-and-leaseback for capital release on owned assets.
- 03
Match soft assets (IT, software) to specialist funders.
Outcomes you can expect
- Average rate improvement: 220 bps vs dealer
- 38 asset finance funders
- Sale-and-leaseback live in 7 days
Typical structures
How asset finance & hp deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Hire Purchase / Lease
Asset-secured, balance-sheet or off-balance-sheet treatments.
Invoice Finance
Confidential or disclosed; advance rates 80–90% of debtor book.
Revenue-Based Finance
Repayments flex with monthly revenue — ARR or e-commerce backed.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- up
Independent funder · Soft asset finance (tech)
Re-focusing on mid-ticket; sub-£25k routed to platform partners.
Min ticket lifted to £25k (was £10k)
- flat
Two clearing banks · Working capital RCF
Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.
Margins held; covenants softened
- down
Alt-fintech lender · Revenue-based finance
Second consecutive quarter of arrears uptick in casual dining cohort.
Pulled appetite for hospitality
Who this fits
Audience fit, scored from the brief.
SME founders & CFOs
100%
Working capital, growth funding, asset finance, invoice finance.
Property developers & investors
60%
Bridging, development finance, BTL portfolios, refurb-to-let.
Brokers & intermediaries
0%
Lender intel, criteria shifts, packaging playbooks.
HNW & family offices
0%
Structured credit, complex cases, cross-border, tax-efficient capital.
Composes well with
Stack ideas our desk has placed before.
Commercial Mortgages
Owner-occupier and investment commercial property finance.
Commercial Development Finance
Industrial, logistics, retail and mixed-use development.
BTL & Portfolio Lending
Portfolio refinances, SPV structures, mixed-use HMOs.
Unregulated & Commercial Bridging
Investment, refurb and exit bridges from £100K – £25M.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Can you identify the asset (make / model / serial / yard)?
- Will the asset be based / used in the UK or EU?
- Can you contribute 10%+ deposit?
- Trading entity 12+ months (or HNW personal balance sheet)?
- Will the asset be fully insured throughout the term?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£7.1k
Total interest
£78k
Arrangement fee
£3.5k
Effective APR
8.45%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Asset Finance Bank LTier 1
HP / Lease
Indic. BoE +2.5%
- Specialist Marine House MSpecialist
Marine HP
Indic. 7.95% pa
- Aviation Finance Desk NSpecialist
Aircraft loan / lease
Indic. SOFR +2.7%
- Lombard Private OPrivate
Luxury Lombard
Indic. BoE +1.85%
- Plant & Yellow Goods PSpecialist
Heavy plant
Indic. 8.45% pa
- Fleet Lease QAlt
HGV / van fleet
Indic. 9.25% pa
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address
- Asset invoice / schedule / valuation
- 3 months personal & business bank statements
- Latest filed accounts (if business)
- Insurance binder confirming cover
- Yard / berth / hangar agreement (where applicable)
- Source of deposit evidence
FAQs
Frequently asked
The questions clients always ask.
Yes — including classic cars, fine art, marine and aviation. We use specialist Lombard and asset-house structures.
All three are available. We'll model TCO and tax position before recommending.
Yes — staged drawdowns against build certificates with the relevant specialist house.
5–10 working days for vanilla HP; 2–4 weeks for marine / aviation / luxury Lombard subject to valuation.
Short enquiry
Tell us about your asset finance & hp requirement.
A specialist will respond within one business hour. No credit footprint.