FINANCE OPTIONS

^150k Equipment Finance – Get a Quote

Q: What amounts can I borrow under equipment finance?

Equipment finance typically allows UK businesses to borrow from £2,000 up to £500,000, subject to factors like company turnover, credit history, and the value of the asset to be financed.

Q: How quickly can I access equipment purchased through finance?

Initial decisions are usually made within 1 to 7 days, with funds or access to equipment generally available within 3 to 10 days, depending on documentation and lender processing speed.

Q: What types of rates and fees should I expect?

Rates for equipment finance typically range from 3% to 15%. Additional fees, such as arrangement fees and early repayment charges, may also apply as part of the agreement.

Q: Are there regulations I should be aware of with equipment finance?

Yes. Lenders offering equipment finance must be authorised by the FCA and comply with UK credit and leasing regulations. Clear terms and transparency are required by law.

150k Equipment Finance is a practical way for UK businesses to acquire the machinery or technology they need while keeping cash flow healthy. Instead of making a large upfront payment, equipment finance lets you spread the cost over time with manageable instalments. This type of finance is popular with companies that want to access the assets they need without straining working capital, making it easier to invest in the latest equipment and support growth plans.

Equipment Finance

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

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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^Benefits of 150k Equipment Finance

Choosing equipment finance for a £150,000 investment offers control, flexibility, and clear financial advantages. With typical rates from 3% to 15% and decisions in as little as a day, businesses can stay agile. Here are some reasons why this approach is valuable for equipment purchases.

Flexible repayment options

Improves cash flow

Access to latest equipment

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Finance Available

Hire Purchase

Hire Purchase allows your business to ultimately own the equipment. You pay fixed instalments, and at the end, the asset belongs to you outright.

Hire Purchase

Ideal for UK businesses with at least two years of trading and a good credit record, Hire Purchase works for sums between £10,000 and £500,000 over 12 to 72 months. The lender initially buys the equipment, and you acquire ownership after completing the payments. This is especially useful for investments in vehicles, machinery, or IT equipment within sectors like manufacturing, transportation, and construction.

Lease Financing

With Lease Financing, the equipment is rented rather than owned, offering flexibility to upgrade or return the asset at the end of the lease term.

Lease Financing

Suited to businesses seeking flexibility, Lease Financing covers amounts from £5,000 to £250,000 with terms from 12 to 60 months. The lender retains the asset, which can help with tax efficiency and avoids a major capital outlay. At lease end, there are options to extend, purchase, or return the equipment, making this model popular in healthcare, retail, and logistics.

Operating Lease

Operating Leases suit firms needing short-term equipment use with minimal commitment and without adding assets to the balance sheet.

Operating Lease

Operating Leases are available from £2,000 to £150,000, typically for 6 to 36 months. Businesses use the equipment owned by the lender, who is also responsible for maintenance. This type of finance is often chosen by technology startups and seasonal businesses requiring flexibility and avoiding long-term asset obligations.

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 Funding Agent Helps You Secure Equipment Finance

Submit Application

Share your key business details and equipment requirements securely on the Funding Agent platform using the online application form to get started.

Compare Offers

View and assess tailored loan offers from Funding Agent’s panel of reputable UK lenders to find the right fit.

Choose and Finalise

Select the most suitable finance option and complete your agreement with the help and support of both lender and Funding Agent.

Get Funding For your business

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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 amounts can I borrow under equipment finance?

How quickly can I access equipment purchased through finance?

What types of rates and fees should I expect?

Are there regulations I should be aware of with equipment finance?

DIVE DEEPER

June 24, 2025

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^150k Equipment Finance – Get a Quote

^Benefits of 150k Equipment Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Finance Available

Hire Purchase

Hire Purchase

Lease Financing

Lease Financing

Operating Lease

Operating Lease

Typical Funding Journeys on Funding Agent

How Funding Agent Helps You Secure Equipment Finance

Submit Application

Compare Offers

Choose and Finalise

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

Asset Finance vs Invoice Finance: Which Is Right for Your Business in 2026?

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