FINANCE OPTIONS

^300k Equipment Finance - Request a Quote

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

Typical borrowing amounts for equipment finance range from £1,000 to £500,000, depending on your business creditworthiness and the equipment type. £300,000 is well within the available range for many lenders, provided you meet their criteria and policies.

Q: How soon can I access funds for 300k equipment finance?

Initial lending decisions are typically made within one to three weeks, with funds usually available two to four weeks after application. Delays may occur if documentation is incomplete or lender checks require more time.

Q: What determines the interest rate for this finance?

Interest rates for equipment finance usually range from 3% to 15% APR. Rates depend on your business credit rating, the type of equipment sought, current market conditions, and the specific policies of the chosen lender.

Q: What documents and regulations apply?

Expect to provide bank statements, business accounts, equipment details, and trading history. All lenders must be FCA-regulated and comply with relevant consumer credit and hire-purchase regulations, ensuring security and transparency.

300k Equipment Finance enables UK SMEs to secure essential equipment without a significant upfront cost. This specialist finance product supports business growth by providing access to vital machinery, vehicles, or technology needed for day-to-day operations or expansion. Common benefits include ownership or use of equipment without tying up cash reserves, potential tax advantages, and better cashflow management. Equipment finance is structured to suit different business needs, whether you require long-term ownership or short-term access, making it a practical solution for businesses seeking to invest in their future efficiently.

Equipment Finance

Secure up to £1,000,000 in Equipment 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 £300k Equipment Finance

Equipment finance allows businesses to acquire vital assets while maintaining liquidity. With approval based on credit strength and choice of equipment, funding decisions are typically made within a few weeks. Repayments are often tailored, and businesses may benefit from tax-deductible payments. Rates usually range between 3% and 15% APR. Here’s how this can support your business:

Improves cash flow

Affordable monthly payments

Access to latest equipment

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Finance

Hire Purchase

Hire Purchase suits firms wanting equipment ownership after a fixed repayment term. It is available for purchases between £10,000 and £500,000, with terms from 12 to 72 months.

Hire Purchase

With Hire Purchase, a lender buys the equipment needed for your business. You pay in monthly instalments over an agreed period, typically 1 to 2 weeks from approval to decision. Once repayments are complete, ownership is transferred to you. This method benefits sectors like manufacturing, transportation, and agriculture needing business-critical assets without upfront cost. Learn more in our Hire Purchase guide.

Lease Finance

Lease Finance allows businesses to use equipment for a set term, usually 12 to 60 months, with no obligation for ownership. It suits equipment values of £5,000 to £250,000.

Lease Finance

For businesses needing up-to-date equipment while spreading costs over time, Lease Finance offers flexibility. The lender purchases equipment and leases it to you, with monthly payments. This is helpful for sectors like healthcare and IT, and generally requires a two-year trading history and stable revenues. At term end, equipment is either returned or an extension can be negotiated. Find out more in our Lease Finance comparison.

Operating Lease

Operating Lease offers short-term equipment use, typically 6 to 36 months, catering to temporary or project-based requirements with values from £1,000 to £200,000.

Operating Lease

Under an Operating Lease, your business accesses equipment for a defined period, ideal for short-term projects or seasonal needs. The asset is returned to the lender at lease end, with no ownership obligation. This is favoured by industries like construction and event management, providing maximum flexibility and minimising long-term asset risk.

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 Access Equipment Finance

Submit Enquiry

Share your business details and describe the equipment you need using our online application form so Funding Agent can match you with suitable lenders.

Compare Lenders

View and compare finance offers from a wide panel of trusted lenders, matched to your requirements and sector.

Access Funds

Choose your preferred offer, complete the lender’s application, supply required documentation, and receive funds to acquire your equipment.

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 soon can I access funds for 300k equipment finance?

What determines the interest rate for this finance?

What documents and regulations apply?

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June 24, 2025

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^300k Equipment Finance - Request a Quote

^Benefits of £300k Equipment Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Finance

Hire Purchase

Hire Purchase

Lease Finance

Lease Finance

Operating Lease

Operating Lease

Typical Funding Journeys on Funding Agent

How Funding Agent Helps You Access Equipment Finance

Submit Enquiry

Compare Lenders

Access Funds

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

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