FINANCE OPTIONS

^100k Asset Finance - Get a Quote

Q: How much can I borrow with asset finance?

You can borrow from £5,000 to £1,000,000, depending on the asset, your business credit profile, and individual lender policies. Larger or more valuable assets and stronger trading records improve access to higher amounts.

Q: How long does approval and funding take?

Initial lender decisions typically take 2 to 10 business days. Once approved, funds are usually available within 7 to 14 business days, subject to complete application documents and asset valuation.

Q: What are typical rates and fees for asset finance?

Asset finance APRs usually range from 4% to 15%, depending on the asset type, your credit profile, and the loan term. Additional charges such as setup or documentation fees may also apply.

Q: What types of asset finance are there?

The main types are Hire Purchase (eventual asset ownership through instalments), Finance Lease (long-term leasing with end-of-term options), and Operating Lease (short-term leasing with asset return at period end).

100k Asset Finance enables UK SMEs to acquire vital business assets, such as machinery or vehicles, without the burden of large upfront payments. Instead of purchasing outright, businesses spread the cost over time, using the asset as security. This approach helps maintain cash flow and offers flexibility to manage and upgrade key assets. Asset finance can support company growth or efficiency by providing tailored funding for crucial equipment while preserving working capital for other needs.

Asset Finance

Secure up to £1,000,000 in Asset Finance with Funding Agent.

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Loan disbursed within 24 hours
No additional charges for early repayment

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^Benefits of 100k Asset Finance

Asset finance provides clear advantages to UK businesses seeking to invest in essential equipment or vehicles. With flexible repayment terms, competitive rates, and quick application decisions, businesses avoid draining cash reserves. This type of finance is structured to improve both affordability and flexibility for SMEs looking to grow or adapt.

Access to funds

Improved cash flow

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Finance Available

Hire Purchase

Hire Purchase suits UK businesses seeking eventual ownership of an asset after spreading the cost in instalments. Ideal for acquiring vehicles or machinery.

Hire Purchase

With Hire Purchase, the business selects the asset while the lender initially owns it. The business then pays in agreed instalments, typically over 12 to 60 months, at rates between 6% and 15% APR. Once all payments are made, the business owns the asset outright. This option commonly supports sectors like manufacturing and construction due to its predictable structure.

Finance Lease

Finance Lease lets businesses lease assets without taking outright ownership, with options to buy or upgrade at the end of the term.

Finance Lease

A Finance Lease allows businesses with strong revenue to lease assets worth £10,000 to £1,000,000, over terms of 24 to 72 months. Payments are made at an APR of 4% to 12%. At the end, businesses may be able to purchase the asset or replace it. This is especially valuable for those wishing to keep assets off the balance sheet or stay up to date with the newest equipment.

Operating Lease

Operating Lease is useful for short-term needs, where the business returns the asset at the end of the period, ideal for assets that depreciate quickly.

Operating Lease

Operating Leases benefit established businesses that regularly renew equipment, offering asset access for 12 to 36 months. With APRs ranging from 5% to 10%, and decisions in two to four weeks, this lease keeps business agility high without long-term financial commitment or responsibility for asset value at the end.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Secure Asset Finance Through Funding Agent

Define Your Needs

Determine which asset your business needs and estimate its value, as this informs your finance search using the online application form and lender options.

Compare Lenders

Explore tailored asset finance offers from trusted UK lenders using Funding Agent’s comparison service, reviewing terms and suitability.

Submit Application

Complete the straightforward online application and provide your business documents and asset details to finalise your request.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

How much can I borrow with asset finance?

How long does approval and funding take?

What are typical rates and fees for asset finance?

What types of asset finance are there?

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June 24, 2025

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Loans from

£1000
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^100k Asset Finance - Get a Quote

^Benefits of 100k Asset Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Finance Available

Hire Purchase

Hire Purchase

Finance Lease

Finance Lease

Operating Lease

Operating Lease

Typical Funding Journeys on Funding Agent

How to Secure Asset Finance Through Funding Agent

Define Your Needs

Compare Lenders

Submit Application

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

DIVE DEEPER

What Is Asset Finance?

How Asset Finance Can Boost Cash Flow for Your Business

Top Asset Finance Lenders in the UK

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