FINANCE OPTIONS

^40k Equipment Finance - Get a Quote Today

Q: What is the borrowing range for equipment finance?

Typical borrowing amounts for equipment finance range from £5,000 up to £1,000,000. The amount your business can access will depend on credit standing, asset value, and your company’s overall financial health.

Q: How quickly can I access funds for equipment purchase?

Initial finance decisions usually take between 2 and 10 days. Once approved, funds are typically available within 1 to 3 weeks, provided all required documents are submitted in full.

Q: What types of equipment finance are available?

Three main types are Hire Purchase (where you own the equipment at the end), Finance Lease (with options to own, upgrade, or return), and Operating Lease (short-term rental without ownership).

Q: What regulations apply to equipment finance?

UK SMEs seeking equipment finance must pass affordability checks and comply with anti-money laundering rules. All lenders must be FCA authorised, offering additional security and transparency.

£40k Equipment finance is designed to help UK SMEs acquire essential business equipment by spreading the cost over time, rather than paying the full amount upfront. This financing method allows companies to preserve working capital, manage budgets effectively, and secure the assets they need to operate or grow. With fixed monthly payments and a range of options, equipment finance enables business owners to access modern machinery or vehicles without putting pressure on cash flow or savings.

Equipment Finance

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

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Loan disbursed within 24 hours
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^Benefits of Equipment Finance

Choosing equipment finance for your business offers clear advantages. Secure vital assets without having to use significant capital reserves. Predictable payments make budgeting straightforward, while multiple finance structures present flexible options for ownership or upgrades. SMEs can secure competitive rates and receive funding in as little as 1–3 weeks after approval.

Tax advantages

Improved cash flow

Access to latest equipment

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Finance

Hire Purchase

Hire Purchase lets businesses spread the cost of equipment and own it at the end. Ideal for SMEs needing machinery or vehicles for the long term, with amounts from £5,000 to £1,000,000, and terms up to 72 months.

Hire Purchase

With Hire Purchase, you select the equipment your business requires and the lender purchases it on your behalf. You then pay monthly instalments, typically over 12 to 72 months at 5–12% APR. The equipment belongs to the lender until the final payment, when ownership is transferred. This route is well suited to sectors like manufacturing, agriculture, and construction where eventual ownership is valuable.

Finance Lease

A Finance Lease allows you to use equipment without immediate ownership. Payments are spread over 24 to 60 months, with typical finance from £5,000 to £500,000 and the option to own, upgrade, or return later.

Finance Lease

With Finance Leasing, the lender retains legal ownership throughout the agreement. Your business pays to lease the equipment and, at the end of the term (24–60 months, APR from 6–15%), you may be able to purchase the asset, return it, or upgrade to newer models. This is especially popular for assets with fast-changing technology in sectors such as IT, retail, or logistics.

Operating Lease

Operating Leases suit businesses needing equipment for a short time without owning it, with rental agreements from 12 to 36 months and typical amounts from £10,000 to £250,000.

Operating Lease

In an Operating Lease, your business pays to use the equipment over a set period, after which it is returned to the lender. Terms are generally shorter (12–36 months, 7–16% APR) and well matched to industries where technology quickly becomes outdated, such as telecommunications or event production, or for seasonal requirements.

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 Equipment Finance Through Funding Agent

Identify Needs

Start by determining the type of equipment your business requires and the amount of finance you wish to secure using our online application form. Ensure you have a recent supplier quote to hand.

Apply Online

Submit a quick online application. You’ll need to provide key business documents, such as recent bank statements, accounts, a business plan, and supplier quotes to speed up the process.

Select Offer

Review tailored finance options from our lender network, compare the details, and choose the solution that best matches your business needs.

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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 is the borrowing range for equipment finance?

How quickly can I access funds for equipment purchase?

What types of equipment finance are available?

What regulations apply to equipment finance?

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June 24, 2025

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^40k Equipment Finance - Get a Quote Today

^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

How to Get Equipment Finance Through Funding Agent

Identify Needs

Apply Online

Select Offer

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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