Asset finance, done properly — from first quote to funded.

No. Asset Finance Co is an independent broker. We introduce your business to finance providers whose criteria fit your asset and circumstances.

Sending an enquiry through this website does not run a credit search. If a lender needs one later, we will tell you before it happens.

Often, yes. Many lenders on our panel consider used assets and private-seller purchases, subject to valuation and checks.

It depends on the asset, lender and paperwork, but having quotes, accounts and bank statements ready makes a real difference.

Yes, in many cases. Some lenders support businesses in their first year, often with a deposit, director guarantee or evidence of contracts and experience.

With hire purchase you own the asset after the final payment. With a lease you rent it for the term and usually return, extend or sell it at the end. Our HP vs lease tool compares both.

Often, yes. Refinance or sale and leaseback can release cash tied up in vehicles and machinery you own outright or that have equity remaining.

We are normally paid commission by the lender. If a fee ever applied, it would be explained in writing before you commit. See our commission disclosure for details.

Treatment varies by agreement type and your business. Always check with a qualified accountant before relying on any assumption.

We commonly help with vans, HGVs, trailers, plant, agricultural machinery, manufacturing equipment, IT, hospitality equipment and renewable-energy projects. The asset must be identifiable, commercially useful and acceptable to a suitable lender.

Not always. A deposit can improve affordability, pricing or lender choice, but the right amount depends on the asset, business profile, trading history and proposal. We can compare options rather than assuming one deposit level.

Terms depend on the asset's useful life, condition, resale value and lender criteria. Longer terms can reduce the regular payment but usually increase total cost, so we compare the payment with the full amount payable.

Sometimes, but speak to us before bidding. Auction deposits, payment deadlines, title checks, valuation and the asset's condition can all affect whether finance can be arranged in time.

Start with the asset, supplier, approximate price, whether it is new or used, how long you have traded and what the asset will help the business achieve. A registration, serial number or supplier quote is useful but not essential for the first conversation.

Often, if the items are clearly quoted and connected to the main asset. Tell us about racking, bodies, tooling, installation, commissioning or other project costs before the proposal is structured.

It depends on the business, trading history, asset and lender. Guarantees are not automatic, but newer businesses or proposals with limited security may be asked for one. The obligation should be explained before you commit.

Settlement and amendment options depend on the agreement. Ask for a settlement figure and check any fees or ownership consequences before selling, refinancing or replacing the asset.

Contact the broker or lender early rather than missing payments without explanation. The available options depend on the agreement and circumstances, and missed payments can put the asset and credit profile at risk.

No single supplier route applies to every enquiry. Dealer, manufacturer, private-sale and auction purchases can be considered, but the seller, asset condition, invoice and ownership trail need to be acceptable to the lender.

Use the quote form and select 'Not sure yet', or call or WhatsApp the team. We can compare ownership, cash flow, VAT, term and end-of-agreement priorities before suggesting a route.