FINANCE OPTIONS

^30k Plant Finance - Apply Now

Q: How much can my business borrow with 30k Plant Finance?

Borrowing amounts start at £5,000, with upper limits generally reaching £1,000,000. The available amount is based on the asset’s value, your company’s credit record, and specific lender criteria for plant finance products.

Q: How long does approval for plant finance take?

Initial approval for plant finance usually takes between 1 and 3 weeks. Once your application is approved, funds are made available within 1 to 2 weeks, depending on application completeness and asset appraisals.

Q: What rates and fees apply to plant finance?

Interest rates for plant finance generally range from 3% to 15% APR, depending on your circumstances. Additional fees, such as arrangement, administration or early settlement charges, may also apply.

Q: What is the difference between hire purchase and leasing?

Hire purchase ends with full ownership after paying all instalments, while finance and operating leases allow you to rent equipment for agreed terms, after which you can upgrade, return, or buy, depending on the agreement.

30k Plant Finance is designed to help UK businesses secure the essential equipment and machinery needed for growth. This form of plant finance allows SMEs to access up to £1,000,000 specifically for plant and machinery, making large-scale investments more achievable. By spreading costs and conserving cash flow, companies gain the flexibility to upgrade equipment, maintain a competitive edge, and manage capital expenditure effectively. Common benefits include more predictable budgeting, up-to-date assets, and the convenience of a range of financing structures to suit business needs.

Plant Finance

Secure up to £1,000,000 in Plant 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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Why Choose 30k Plant Finance?

30k Plant Finance offers tailored solutions for businesses looking to acquire crucial machinery without major upfront costs. With transparent agreements, quick decisions and a choice of ownership or leasing at the end, businesses can adapt to changing needs while controlling expenditure. Rates and approval times depend on your credit profile, asset type and chosen term.

Flexible financing options

Increases equipment access

Improves cash flow

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Plant Finance Available

Hire Purchase

Hire Purchase lets you spread the cost of new machinery over time. Suitable for established businesses, it ends with full ownership of the asset after completing monthly payments.

Hire Purchase

With Hire Purchase, your business chooses the plant or machinery, and a finance agreement is set up. You make fixed payments over a term of 12 to 60 months at rates typically between 3% and 12% APR. After the final payment, you own the asset outright, making this option ideal for sectors like manufacturing, agriculture, and construction seeking to scale operations with a capped initial investment.

Finance Lease

Finance Lease is suited for SMEs with stable cash flow needing up-to-date equipment without buying it outright. Payments are spread over periods up to 84 months.

Finance Lease

Under a finance lease, the lender purchases the equipment and leases it to your business. You pay rental throughout 12 to 84 months, usually at rates from 4% to 15% APR. Suitable for sectors such as transport, manufacturing, and healthcare, this arrangement allows use of the asset with the flexibility to upgrade or return it at the lease’s end.

Operating Lease

Operating Lease gives flexibility to use machinery for shorter terms. After the lease, simply return the equipment—ideal for temporary or seasonal needs.

Operating Lease

In an operating lease, the finance company retains ownership. SMEs can use plant and machinery for 12 to 60 months at rates between 6% and 14% APR. This suits sectors like construction, event management, or retail with fluctuating needs, as it avoids long-term commitments and high upfront spend.

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 Plant Finance with Funding Agent

Submit Enquiry

Share your business details, funding requirements, and asset information on our simple online application form, reducing paperwork and saving you time.

Receive Offers

Our system matches you with lenders and presents tailored plant finance options for you to review and compare, ensuring transparency and clarity.

Complete Application

Choose the right offer, finalise your application, and provide supporting documents. Once approved, funds are arranged so you can secure your machinery promptly.

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 my business borrow with 30k Plant Finance?

How long does approval for plant finance take?

What rates and fees apply to plant finance?

What is the difference between hire purchase and leasing?

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June 24, 2025

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^30k Plant Finance - Apply Now

Why Choose 30k Plant Finance?

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Plant Finance Available

Hire Purchase

Hire Purchase

Finance Lease

Finance Lease

Operating Lease

Operating Lease

Typical Funding Journeys on Funding Agent

How to Get Plant Finance with Funding Agent

Submit Enquiry

Receive Offers

Complete 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

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Top Asset Finance Lenders in the UK

How Asset Finance Can Boost Cash Flow for Your Business

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