Equipment finance, machinery finance and business equipment funding — fund the assets your business runs on without draining working capital.
Whole-of-market — 60+ lenders searched, including
Business asset finance spreads the cost of the equipment your company depends on across the period it is generating revenue. From a single machine to a full re-equip, we search 60+ UK lenders for equipment finance, machinery finance and equipment leasing, so your working capital stays where it is needed.
Almost any asset a business operates rather than occupies: machinery and plant, commercial vehicles, catering and salon equipment, IT, and full fit-outs. Each asset below has its own page covering how lenders treat it and what buyers specify.
Every asset has its own page: how lenders treat it, what buyers specify, the questions people ask, and what we have actually funded.
| Asset | What it covers | Page |
|---|---|---|
| Salon chair | Spread the cost of styling chairs and backwash seating across a package that funders assess on… | Read the guide |
| Barber chair | Fund heavy cast-base barber chairs and the fittings around them without emptying the till in the… | Read the guide |
| Salon equipment | One agreement covering the backwash units, dryers, trolleys and treatment kit a salon needs, rather than… | Read the guide |
| Beauty couch | Electric treatment couches and the equipment around them, funded across a term instead of landing on… | Read the guide |
| Pedicure spa chair | Pedicure spa chairs are heavy, plumbed and expensive to install — which is exactly why most… | Read the guide |
| Tanning bed | Sunbeds and stand-up units are heavy, installed assets that most salons fund rather than buy outright,… | Read the guide |
| Laser hair removal machine | Laser and IPL systems are among the few assets in this sector with real resale value,… | Read the guide |
| HydraFacial machine | Branded facial systems come with consumable commitments as well as a purchase price, and funders look… | Read the guide |
| Tattoo equipment | Tattoo studios are a small-ticket, soft asset sector, so the shape of the deal matters more… | Read the guide |
| Commercial gym equipment | Kitting out a gym floor is a large single outlay funded by memberships that build slowly,… | Read the guide |
| Treadmill fleet | Treadmills wear out on a predictable cycle, so clubs usually replace them as a fleet and… | Read the guide |
| Spin bike fleet | A studio full of indoor bikes goes in on one day and earns back over years,… | Read the guide |
| Free weights | A full dumbbell set, racks and platforms add up fast, even though no single item on… | Read the guide |
| Functional rig | A functional rig is built for your room, bolted to your floor and rarely fits anyone… | Read the guide |
| Spa hot tub | A commercial spa pool is part equipment and part building works, and funders look at those… | Read the guide |
| Laundry equipment | Commercial laundry machines are proper hard assets with real second-hand value, which puts them in a… | Read the guide |
| Commercial washing machine | A washer-extractor is the machine a hotel or care home cannot trade without, which is why… | Read the guide |
| Commercial dryer | Drying capacity is usually what limits a laundry, not washing, so dryers are often the machine… | Read the guide |
| Dry cleaning equipment | A dry cleaning machine is a serious piece of plant with environmental obligations attached, and both… | Read the guide |
| Launderette equipment | A launderette is a bank of valuable machines sitting inside a shop fit-out, and funders treat… | Read the guide |
| Ride-on sweeper | Ride-on sweepers are self-propelled machines with a serial number and a resale market, which puts them… | Read the guide |
| Carpet extractor | From a portable extractor to a van-mounted system, carpet cleaning equipment ranges from too small to… | Read the guide |
| Industrial pressure washer | A mobile hot-wash unit and a fixed wash bay with water recycling are the same job… | Read the guide |
| Office furniture | Furnishing an office is a large one-off cost for something that earns nothing directly, which is… | Read the guide |
| Office fit-out | Everything in a fit-out becomes part of a building you do not own, which is the… | Read the guide |
| Shop fit-out | A shop fit-out turns an empty unit into a business, and almost none of it can… | Read the guide |
| Retail fixtures | Display units and shop fittings are bought by the shopful rather than one at a time,… | Read the guide |
| Refrigerated merchandiser | Display refrigeration is the one part of a convenience store fit-out that a funder can actually… | Read the guide |
| Self-checkout | Self-checkout kiosks are technology assets that date quickly, so how the agreement is structured matters as… | Read the guide |
| Passenger lift | A lift is the most permanent thing on this list — once installed it is part… | Read the guide |
Business asset finance spreads the cost of equipment, machinery or vehicles over a fixed term instead of paying up front. The asset itself usually acts as the security, which is why it is often available when unsecured lending is not.
| Hire purchase | Finance lease | Operating lease | |
|---|---|---|---|
| Who owns the asset | You do at the end, once the final payment and any option fee are made | The lender owns it throughout — you never take title | The lender owns it; the asset goes back at the end of the term |
| How VAT is handled | Charged on the asset up front | Charged on each rental | Charged on each rental |
| Balance sheet impact | On balance sheet — the asset and the outstanding finance both appear | On balance sheet | Traditionally off balance sheet under FRS 102, but changes effective for periods beginning on or after 1 January 2026 bring most leases on |
| Tax treatment | Capital allowances are yours, including Full Expensing on qualifying new plant; the interest element is deductible | The lessor claims the allowances; your rentals are generally deductible against profit | Rentals are generally deductible against profit |
| Usually suits | Assets you intend to keep and run for years | Assets you want the use of without owning, where the monthly cost matters more | Assets you replace on a cycle and want to hand back |
Which one is right depends on the asset and how long you intend to keep it. Tax and accounting treatment depend on your own circumstances and on the rules in force — your accountant is the right person to confirm it. Asset finance explained covers all three in full.
Business asset finance is an umbrella term for funding the equipment a company operates rather than the premises it sits in. That includes machinery, plant, vehicles, IT and fit-out. The common thread is that the asset earns, so it should be paid for out of what it earns.
Equipment finance usually means hire purchase, where you own the equipment at the end. Equipment leasing means renting it over a term, with lower monthly payments because you are funding the depreciation rather than the full value. Which suits you depends on how long the asset stays useful and how your accountant treats it.
Machinery finance covers CNC, engineering, woodworking, packaging and production equipment. Lenders assess the machine as security as well as the business, so a well-specified asset with a resale market often funds more easily than the headline figures suggest.
Business equipment finance is not only for six-figure machines. Smaller assets — EPOS, catering equipment, IT, CCTV, office fit-out — can be funded too, often on shorter terms. If you are buying several things at once, they can usually be funded together rather than piecemeal.
Two things: the asset and the accounts. A machine with a serial number and an established resale market carries much of the risk itself, which is why asset finance is frequently available where an unsecured loan is not. Where the asset is soft — fit-out, software, furniture — the accounts carry the weight instead and terms are shorter.
A company without filed accounts is not unfundable. Lenders look at the directors’ track record, contracts in place, deposit and often a personal guarantee. Being new changes which lenders are appropriate rather than whether the deal happens — and going to the right ones first avoids a series of declines on your file.
A decline reflects one lender’s appetite, not the whole market’s. An independent broker can often place CCJs, defaults, thin trading history and new starts with lenders whose criteria differ, frequently against the asset rather than the credit score alone.
An unsecured decline reflects one lender’s view of unsecured risk, assessed largely by algorithm. Asset finance is a different question entirely, because something tangible secures it. We have placed deals for businesses their own bank turned down the same month — including releasing £110,000 against plant a contractor already owned.
Re-equipping rarely means one machine. Where you are buying from several suppliers, funding it as one facility avoids a spread of agreements maturing at different times and usually attracts better terms than the individual pieces would. Send the full list rather than the biggest item.
Equipment finance UK-wide is a broad market with very different lender appetites. A lender competitive on plant this quarter may be uncompetitive on soft assets. As an independent broker we are not tied to one panel, so we can place the deal where the appetite currently sits.
Send us the full list of what you are buying, not just the largest item, and we will tell you what can be funded together and over what term. If your bank has already declined you, say so — it changes which lenders we approach, not whether it is worth asking. No credit check to enquire.
You tell us the asset and how the repayments need to work, we search a panel of more than sixty lenders for the right structure and rate, and indicative decisions come back in as little as twenty-four hours.
One quick conversation about the asset and how the repayments need to work.
As an independent broker we find the right structure and rate — not one lender’s products.
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.
A decline from one lender reflects that lender’s appetite, not the whole market’s.
Don’t assume the door is closed. High-street banks often rely on automated credit scoring that can penalise a single historic issue — a late payment dispute, a temporary CCJ — even once it’s resolved. A whole-of-market broker looks at the wider picture, including any hard assets you already own outright. If you have unencumbered plant, vehicles or equipment, refinancing that asset can release working capital without needing a fresh credit decision on an unsecured basis.
You sell equipment you already own outright to a lender, who immediately leases it back to you under a new agreement — so you keep using the machinery without interruption, but release the equity tied up in it as cash. It’s a common route for businesses that own their plant fleet but need working capital quickly, since the lending decision is based on the asset’s value rather than solely on a credit score.
Real agreements, written up in full — what the business wanted, what the lenders said, and what it cost. Amounts are rounded and no customer is identified.
Regulated Agreement · Estate Agency Partnership
The equipment was funded and the partnership got the agreement it was legally entitled to: pre-contract credit information, a statutory right to withdraw, the right to settle early…
300 machines named across 30 types of All business assets. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.
Real funded examples. Each application is assessed individually.