FINANCE OPTIONS

^Asset Financing Ireland – Get a Quote Today

Q: What assets can be used for asset financing?

Most business-owned assets, including vehicles, machinery, and equipment, can be used as security. The asset’s value, condition, and marketability are key in determining eligibility and borrowing limits.

Q: How much can my business borrow through asset financing?

Borrowing limits typically range from £5,000 to £1,000,000. The exact amount depends on your asset values, business financials, and credit profile.

Q: How long does the asset financing approval take?

Initial decisions are usually made within 1 to 4 weeks. Funds can be made available about a week after approval, depending on your asset and the lender.

Q: Is asset financing regulated in the UK?

Yes, asset financing agreements are regulated by the Financial Conduct Authority (FCA) and must comply with consumer credit law, particularly for hire purchase arrangements.

Asset Financing Ireland enables UK businesses to unlock capital by using company-owned assets, such as vehicles, machinery, or equipment, as security for borrowing. This approach allows firms to access the funds they need without selling valuable assets, supporting business growth and resilience. Asset financing can provide flexibility, preserve working capital, and ensure companies have the resources to operate efficiently. Fixed repayments make budgeting easier, and businesses can choose between ownership at the term’s end or ongoing asset use, depending on their needs.

Asset Financing

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

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^Benefits of Asset Financing

Asset financing offers UK businesses a practical way to fund growth and manage working capital. By using existing assets as collateral, companies can improve liquidity, control costs, and increase agility. Rates typically range from 3% to 18% APR, with the decision process usually taking 1 to 4 weeks.

Improved cash flow

Access to new equipment

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Financing Available

Hire Purchase

Hire purchase allows businesses to acquire assets like vehicles or machinery by paying in instalments, with eventual ownership after completing all payments.

Hire Purchase

With hire purchase, UK businesses can obtain required assets without paying the full cost upfront. Companies make fixed monthly payments over 12 to 60 months, typically for amounts from £5,000 to £1,000,000. The asset is used immediately and ownership is transferred at the end, aiding predictable budgeting and strengthening strategic planning.

Finance Lease

Finance lease enables businesses to use assets for a set period without owning them. Payment terms can be tailored to suit cash flow needs, with options at lease end.

Finance Lease

With amounts ranging from £10,000 to £500,000 and terms of 24 to 72 months, finance leases help businesses access essential equipment while conserving capital. Regular payments are made, and at the end of the lease, you may be able to purchase the asset or return it, supporting working capital management and technological upgrades.

Operating Lease

Operating leases offer businesses asset use for short periods without adding them to the balance sheet. There’s no responsibility for resale or depreciation.

Operating Lease

Operating leases suit short-term projects or seasonal requirements, with amounts from £5,000 to £250,000 and terms of 6 to 36 months. You lease the asset and return it at the agreement’s end, which preserves cash reserves and protects your company from falls in asset value.

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 Access Asset Financing with Funding Agent

Assess Your Assets

Review your business’s current assets to decide which ones can be used for asset-based finance on the online application form and which type of arrangement suits your objectives.

Compare Options

Use Funding Agent’s online platform to quickly compare offers from a variety of lenders. This ensures competitive rates and terms that fit your needs.

Apply and Secure Funding

Complete a straightforward application process. Once approved, finalise your paperwork and receive the funds, often in as little as a week after approval.

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 assets can be used for asset financing?

How much can my business borrow through asset financing?

How long does the asset financing approval take?

Is asset financing regulated in the UK?

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June 24, 2025

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^Asset Financing Ireland – Get a Quote Today

^Benefits of Asset Financing

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Financing Available

Hire Purchase

Hire Purchase

Finance Lease

Finance Lease

Operating Lease

Operating Lease

Typical Funding Journeys on Funding Agent

How to Access Asset Financing with Funding Agent

Assess Your Assets

Compare Options

Apply and Secure Funding

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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