FINANCE OPTIONS

^100k Equipment Finance - Get a Quote Now

Q: What is the typical borrowing range for equipment finance?

Equipment finance facilities usually range from £5,000 to £1,000,000. The actual amount you can borrow depends on the type and value of the equipment, your business’s creditworthiness, and overall financial health.

Q: How long does it take to get approval and funding?

Initial decisions on equipment finance applications can be made in 2 to 10 days. Once approved, you can usually access funds within 1 to 3 weeks, depending on the lender’s processes and the completeness of your application.

Q: What are typical interest rates or fees for equipment finance?

Interest rates for equipment finance generally fall between 5% and 18% APR. The actual rate depends on your business profile, term length, and the condition of the equipment. Additional fees may include documentation or origination charges.

Q: What types of equipment finance are available?

Common options include Hire Purchase (installment payment with eventual ownership), Finance Lease (use over a fixed term with return or purchase options), and Operating Lease (short-term use with equipment returned at lease end).

100k Equipment Finance enables UK businesses to acquire vital equipment or machinery needed for growth, without a large upfront investment. This finance option specifically supports the purchase or leasing of business assets by spreading costs over manageable terms, making it easier to stay cash flow positive. Equipment finance is secured against the asset, reducing the need for additional collateral. It is commonly used when purchasing high-value items such as vehicles, manufacturing tools, or IT equipment, providing access to essential resources while maintaining business flexibility.

Equipment Finance

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Loan disbursed within 24 hours
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Key ^Benefits of Equipment Finance

Equipment finance unlocks growth opportunities for UK businesses by enabling asset acquisition while preserving working capital. With flexible terms and security based on the equipment, you can choose the best structure for your needs. Approval times are generally short and competitive rates are available, depending on your business profile.

Flexible financing options

Improved cash flow

Access to latest equipment

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Finance

Hire Purchase

Hire Purchase enables you to acquire equipment while paying in instalments, eventually owning the asset outright. Ideal for businesses wanting ownership at the end.

Hire Purchase

With Hire Purchase, your business selects the required equipment and obtains quotes. After applying and submitting necessary documents, the lender purchases the item for you. You then make fixed monthly payments over an agreed period (typically 12 to 72 months) until the amount is repaid. Ownership transfers to your business at the end, supporting expansion in sectors like manufacturing or construction. Usual facility sizes range from £10,000 to £1,000,000 with decisions in 2 to 5 days.

Finance Lease

Finance Lease lets you access and use equipment without buying it outright, making it suitable for assets that need upgrading in the future.

Finance Lease

This leasing option requires only a minimal upfront outlay. After choosing your equipment and applying, you make regular payments throughout the term (24 to 60 months). At the end, you can return, upgrade, or sometimes purchase the equipment. Finance Leases often appeal to businesses in fast-moving sectors such as healthcare and technology, with available amounts of £5,000 to £500,000 and typical decisions in 3 to 7 days.

Operating Lease

Operating Leases are designed for short-term or seasonal needs, letting you return equipment at the end of the term with no ongoing obligation.

Operating Lease

If you need equipment for projects or seasonal surges, an Operating Lease may suit. Identify equipment requirements, agree lease terms (typically 12 to 48 months), and use the asset for the agreed period. Return it without worrying about depreciation. Typical facility amounts are £10,000 to £200,000. Decisions are usually made in 5 to 10 days, making this option attractive for businesses in retail or events.

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 Equipment Finance via Funding Agent

Submit Online Inquiry

Begin by providing your business details and outlining your equipment finance needs through Funding Agent’s online application form and user-friendly enquiry platform.

Compare Offers

Receive competitive and relevant finance offers from a panel of vetted lenders, so you can review options tailored to your specific requirements.

Secure Your Finance

Once you've chosen the most suitable offer, complete your application with guidance from your chosen lender and finalise your equipment funding deal.

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

What is the typical borrowing range for equipment finance?

How long does it take to get approval and funding?

What are typical interest rates or fees for equipment finance?

What types of equipment finance are available?

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June 24, 2025

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^100k Equipment Finance - Get a Quote Now

Key ^Benefits of Equipment Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Finance

Hire Purchase

Hire Purchase

Finance Lease

Finance Lease

Operating Lease

Operating Lease

Typical Funding Journeys on Funding Agent