FINANCE OPTIONS

^200k Asset Finance - Get a Quote Today

Q: What is the usual borrowing range for asset finance?

Most lenders offer asset finance between £5,000 and £500,000. The amount you can borrow is determined by your business turnover, asset value, and credit rating.

Q: How long does asset finance approval take?

Initial decisions are generally made within 1 to 3 weeks. Once approved, you can typically access funds within 2 to 4 weeks, depending on lender processes and documentation.

Q: What are typical interest rates and fees?

Interest rates range from 3% to 20% APR based on asset type, your sector, and credit profile. Additional costs can include arrangement, documentation, or early settlement fees.

Q: What are the main types of asset finance available?

The three main types are Hire Purchase, Finance Lease, and Operating Lease. Each offers different structures for ownership, term length, and flexibility depending on business needs.

£200k Asset Finance enables UK businesses to obtain essential equipment or vehicles by spreading the cost, rather than buying assets upfront. Asset Finance solutions support growth and flexibility, allowing you to conserve cash, adapt your payment structure, and potentially improve tax efficiency. Businesses use this finance option to upgrade technology, expand capacity, or easily access the tools needed to stay competitive, while keeping their working capital free for other priorities.

Asset Finance

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

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Key ^Benefits of Asset Finance

Asset Finance provides practical, flexible funding to help your business secure critical assets worth up to £500,000. With choice of repayment terms and competitive rates starting as low as 3% APR, asset finance can accelerate growth and improve cash flow. Decisions are typically reached within three weeks, supporting timely investment planning.

Flexible payment options

Improves cash flow

Access to equipment

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Finance Available

Hire Purchase

Hire Purchase allows you to acquire assets for your business while spreading the payments over up to five years. You own the equipment outright after the final instalment.

Hire Purchase

With Hire Purchase, your business selects the required asset, and the lender pays the supplier directly. You then repay the lender in regular instalments, typically over 12 to 60 months. The finance is suitable for SMEs trading for at least two years and can fund between £5,000 and £500,000. Interest rates range from 3% to 15% APR based on credit history, with sectors like manufacturing, transport, and IT making frequent use of this method. Compare hire purchase, leasing, and loans to determine the best fit for your business.

Finance Lease

Finance Lease is ideal when you want access to equipment without full ownership at the start. You pay ongoing rentals with an option to purchase at the lease’s end.

Finance Lease

This structure sees the lender buy the asset and lease it to your business, with rentals spanning 12 to 60 months. Typical amounts are £10,000 to £500,000, and it suits businesses with at least a year’s trading history and regular revenue. Interest rates for Finance Lease range from 4% to 18% APR. Sectors like construction, healthcare, and retail benefit from this flexible approach. Learn more about lease versus purchase options.

Operating Lease

Operating Lease fits businesses that need to use, but not own, assets. Costs are spread across shorter terms with the asset returned afterwards.

Operating Lease

Ideal for funding assets with rapidly changing technology or for seasonal needs, Operating Leases usually run for 6 to 36 months. Amounts start at £5,000 and can reach £250,000. Interest rates sit between 5% and 20% APR depending on lease specifics, and this option is widely used in media, education, and logistics, where asset ownership is not always necessary.

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 Get £200k Asset Finance with Funding Agent

Assess Needs

Identify the specific assets your business needs to finance and determine suitable terms through our online application form.

Compare Lenders

Use Funding Agent’s platform to compare offers, rates, and eligibility from a wide panel of asset finance lenders. See a guide to top asset finance lenders for more information.

Submit Application

Apply to the selected lender with your prepared documentation through Funding Agent’s guided system, making the process efficient and straightforward.

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 usual borrowing range for asset finance?

How long does asset finance approval take?

What are typical interest rates and fees?

What are the main types of asset finance available?

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June 24, 2025

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^200k Asset Finance - Get a Quote Today

Key ^Benefits of 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