FINANCE OPTIONS

^Asset Finance Ireland - Get a Quote Today

Q: What amounts can I borrow with Asset Finance Ireland?

Borrowing amounts usually start at £5,000 and can reach up to £1,000,000. The specific sum available depends on the value of the asset, your business’s credit profile, and current financial status.

Q: How quickly can I get asset finance in Ireland?

Initial approval decisions are often made within 1 to 2 weeks. Full funding can be available in up to 4 weeks, depending on lender processes and having complete documentation ready.

Q: What interest rates are typical for asset finance?

Interest rates commonly range from 4% to 15% APR, depending on factors like your business’s credit score, the type of asset, and prevailing economic conditions. Additional fees may also apply.

Q: What types of asset finance can I access?

Options include Hire Purchase, Finance Lease, and Operating Lease. Each structure offers different benefits, such as ownership at the end, leasing flexibility, or short-term asset use without long-term commitments.

Asset Finance Ireland helps businesses acquire essential equipment, vehicles, or machinery without the need to pay the full cost upfront. This type of finance enables UK companies to spread the payment over time, using the asset whilst preserving cash reserves. Common benefits include flexible acquisition, improved cash flow, and the ability to keep working capital available for other needs. Asset finance is suitable for businesses looking to invest in growth or efficiency without compromising their cash position.

Asset Financing

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^Benefits of Asset Finance Solutions

Asset finance delivers practical advantages for businesses needing to acquire assets without large upfront costs. With flexible structures, competitive rates, and a choice between ownership or leasing, companies can respond to opportunities whilst maintaining financial control. Approval and access to funds are generally efficient, supporting different asset needs.

Flexible financing options

Improved cash flow

Access to latest equipment

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Finance Ireland

Hire Purchase

Hire Purchase is for established businesses seeking to buy assets with fixed payments and eventual ownership. It suits companies wanting to acquire vehicles, machinery, or office equipment outright, while spreading the cost.

Hire Purchase

In a Hire Purchase agreement, the lender purchases the chosen asset and the business pays in instalments over 12 to 60 months, with typical amounts from £5,000 to £500,000. Once payments are complete, ownership transfers to the business. Decisions are usually made within 1 to 2 weeks. It's widely used in sectors like transport, manufacturing, and construction for critical equipment.

Finance Lease

Finance Lease gives businesses use of significant assets without full capital outlay. The asset remains owned by the lender, and the business pays to use it for an agreed term, typically in high-value or tech-dependent sectors.

Finance Lease

Under a Finance Lease, the lender buys the asset and the business leases it for 24 to 72 months, usually for amounts from £10,000 to £1,000,000. Regular payments are made, but the business never owns the asset—ideal for updating or replacing equipment as needs evolve. Typical interest rates range between 5% and 15% APR. Application to approval may take up to 4 weeks.

Operating Lease

An Operating Lease is designed for short-term or seasonal asset needs. The asset is used temporarily and returned at the end of the lease, helping businesses avoid depreciation risks.

Operating Lease

Operating Leases are suitable for businesses requiring assets such as construction equipment or vehicles for a limited period, with lease terms usually lasting 12 to 36 months and finance from £5,000 to £250,000. Interest costs are typically built into the leasing agreement. This structure is advantageous for sectors facing fluctuating demand or temporary projects.

Typical Funding Journeys on Funding Agent

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Getting Asset Finance with Funding Agent

Submit Request

Provide your business details and tell us what asset finance you require using our online application form on our online platform. This helps us match your needs effectively.

Compare Options

Receive tailored, competitive finance quotes from multiple UK lenders—making it easy to review terms, rates, and structures suited to your requirements.

Select and Finalise

Choose the best asset finance solution from the options presented, then complete your application directly with the lender to secure your funding.

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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 with Asset Finance Ireland?

How quickly can I get asset finance in Ireland?

What interest rates are typical for asset finance?

What types of asset finance can I access?

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June 24, 2025

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^Asset Finance Ireland - Get a Quote Today

^Benefits of Asset Finance Solutions

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Finance Ireland

Hire Purchase

Hire Purchase

Finance Lease

Finance Lease

Operating Lease

Operating Lease

Typical Funding Journeys on Funding Agent

Getting Asset Finance with Funding Agent

Submit Request

Compare Options

Select 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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