FINANCE OPTIONS

^Chattel Mortgage - Apply Now

Q: How much can my business borrow with a chattel mortgage?

UK SMEs can borrow from £10,000 to £1,000,000 through a chattel mortgage. The exact amount depends on asset value, your turnover, and business credit rating.

Q: How long does chattel mortgage approval take?

Approval usually takes between 1 and 4 weeks, depending on how quickly your application and asset valuation can be processed and reviewed.

Q: What are the typical interest rates and fees?

Interest rates for chattel mortgages usually range from 3% to 12% APR, based on asset type and business risk profile. Lenders may also charge setup fees or early repayment fees.

Q: Are there different types of chattel mortgages?

Yes, options include the standard chattel mortgage, operating chattel mortgage for short-term use, and finance lease chattel mortgage for long-term equipment leasing.

A chattel mortgage is a flexible finance solution for UK businesses wanting to purchase assets such as vehicles, machinery or equipment. This loan is secured on the asset itself, meaning the business can use the item while payments are made over an agreed term. Chattel mortgages are one form of asset finance, helping preserve cash flow since upfront costs are avoided. Businesses often choose this method to gain control of crucial assets and manage their finances more effectively, ensuring they stay operational and can grow without large one-off expenses.

Chattel Mortgage

Secure up to £1,000,000 in Chattel Mortgage with Funding Agent.

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Loan disbursed within 24 hours
No additional charges for early repayment

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Why Choose a Chattel Mortgage?

Chattel mortgages offer UK SMEs a straightforward way to fund key purchases without large upfront payments. Rates typically range from 3% to 12% APR, with most approvals taking from one to four weeks. This structure gives businesses both flexibility in repayments and peace of mind that essential assets are easily accessible for daily operations using asset finance products.

Flexibility in financing

Quick asset acquisition

Lower interest rates

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Chattel Mortgage Finance

Standard Chattel Mortgage

This option suits businesses looking for straightforward asset purchases, with loans from £10,000 to £500,000. Terms range from 12 to 60 months, and credit strength is key for eligibility.

Standard Chattel Mortgage

The standard chattel mortgage allows UK SMEs to acquire vehicles, machinery or equipment by using these assets as security. Businesses provide proof of purchase and financial records, with approvals usually within 1 to 2 weeks. This is ideal for manufacturing, logistics, or construction sectors where operational assets drive productivity. Payments are spread over several years, making cash flow easier to manage.

Operating Chattel Mortgage

Designed for SMEs needing temporary use of high-value assets, such as equipment leasing. Loan amounts typically range from £15,000 to £250,000, with terms of 6 to 36 months.

Operating Chattel Mortgage

An operating chattel mortgage empowers businesses to control expensive equipment for shorter projects or contracts without long-term commitment. Common in industries like film production or agriculture, the application process examines asset use and financial stability. With a decision time of 1 to 3 weeks, this option provides cost-effective access to equipment, helping businesses respond quickly to opportunities.

Finance Lease Chattel Mortgage

This long-term option supports sustained use of high-value assets, with loans from £20,000 up to £1,000,000 and terms between 24 and 84 months, often through a finance lease structure.

Finance Lease Chattel Mortgage

The finance lease chattel mortgage suits businesses with detailed plans for asset use and a strong credit profile. Often chosen for major equipment in healthcare, IT, or logistics, the application requires comprehensive financial and asset assessments. Decisions take 3 to 4 weeks, and businesses benefit from full usage rights over the life of the lease, aligning payments with longer projects.

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 Secure a Chattel Mortgage with Funding Agent

Apply Online

Fill out a simple online application form with information about your business and the asset you wish to finance.

Receive Offers

View a selection of offers from a panel of lenders, matched to your exact needs and eligibility.

Choose and Finalise

Select the most suitable offer and provide any additional documentation required to complete your chattel mortgage agreement.

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 a chattel mortgage?

How long does chattel mortgage approval take?

What are the typical interest rates and fees?

Are there different types of chattel mortgages?

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^Chattel Mortgage - Apply Now

Why Choose a Chattel Mortgage?

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Chattel Mortgage Finance

Standard Chattel Mortgage

Standard Chattel Mortgage

Operating Chattel Mortgage

Operating Chattel Mortgage

Finance Lease Chattel Mortgage

Finance Lease Chattel Mortgage

Typical Funding Journeys on Funding Agent

How to Secure a Chattel Mortgage with Funding Agent

Apply Online

Receive Offers

Choose 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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