FINANCE OPTIONS

^Equipment Finance – Get a Quote Today

Q: How much can I borrow with Equipment Finance?

Equipment Finance typically offers borrowing amounts from £5,000 to £2,000,000, influenced by your company's creditworthiness, revenue, and equipment value. Solutions include leases and hire purchase options tailored to business needs.

Q: How quickly can I get a decision on Equipment Finance?

Decisions for Equipment Finance vary by type: 1 to 3 business days for leases and hire purchases, and up to 1 week for operating leases. Upon approval, funds or equipment are provided within 1 to 5 days.

Q: What are the interest rates for Equipment Finance?

Interest rates for Equipment Finance range from 3% to 20% APR, influenced by credit score, loan term, equipment type, and lender policy. Additional fees such as arrangement or early termination fees may apply.

Q: What are the eligibility requirements for Equipment Finance?

Eligibility for Equipment Finance includes having an operational history of at least one year and a positive cash flow. Specific products like Hire Purchase may require a VAT registration number, tailored to UK-based SMEs.

Equipment Finance offers UK-based SMEs a way to acquire vital business equipment through various financial solutions. This approach allows businesses to rent, use, or purchase equipment without a large upfront investment, thus conserving working capital. Common applications include leasing machinery or tech systems, which can significantly aid growth by maintaining cash flow. Discover more about tailored business funding options.

Equipment Finance

Secure up to £1,000,000 in Equipment 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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What are the ^benefits of Equipment Finance?

Choosing Equipment Finance not only helps maintain your company's cash flow but also offers several benefits such as tax advantages—where some leases are fully deductible—and competitive rates ranging from 3% to 20% APR. Decisions are swift, often within 1 to 3 business days, allowing businesses to acquire equipment like commercial kitchen appliances or IT systems promptly. Explore how these solutions can support your growth by visiting our unsecured working capital loans page.

Preserves cash flow

Tax benefits available

Access to modern equipment

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Equipment Finance?

Equipment Lease

An Equipment Lease allows businesses with a minimum of one-year operational history to acquire necessary equipment quickly, with typical funding amounts ranging from £5,000 to £2,000,000 over terms of 24 to 60 months. For more information, explore business loans.

Equipment Lease

Equipment Lease is pivotal for sectors like manufacturing and hospitality, enabling SMEs to lease machinery or appliances without significant capital investment. With interest rates between 3% and 20% APR, decisions are usually made in 1 to 3 business days. To delve deeper into options like commercial kitchen or manufacturing tools, check our detailed lending resource on unsecured business loans.

Hire Purchase

Hire Purchase enables UK SMEs, especially those with a VAT registration, to gradually own business equipment. This option typically offers amounts from £5,000 to £500,000 over 12 to 72 months. Explore the complete process.

Hire Purchase

Particularly beneficial for acquiring assets like IT equipment or vehicles, Hire Purchase offers flexible repayment structures to match business cash flow. Interest rates generally range between 4% and 15% APR with 2 to 4 business days needed for approvals. For logistics companies acquiring delivery vans, visit our working capital loans section.

Operating Lease

Operating Leases are ideal for SMEs seeking temporary use of equipment, ensuring flexibility for short-term projects without ownership commitment. Standard agreements span 6 to 36 months. Learn more about short-term equipment use at our MCA loans page.

Operating Lease

An Operating Lease suits industries needing seasonal equipment like additional servers during peak times. This lease type allows usage without tying up capital. Approval takes 1 to 2 weeks. For a detailed comparison on short-term equipment leasing, visit the Amazon Alternatives page.

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

Get Equipment Finance

Explore Options

Compare equipment finance options tailored to your needs on the Funding Agent platform.

Submit Application

Complete the application form with your business details and financial documents.

Receive Offer

Get presented with offers and select the one that best suits your requirements.

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 I borrow with Equipment Finance?

How quickly can I get a decision on Equipment Finance?

What are the interest rates for Equipment Finance?

What are the eligibility requirements for Equipment Finance?

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June 24, 2025

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^Equipment Finance – Get a Quote Today

What are the ^benefits of Equipment Finance?

SCALE YOUR BUSINESS TO NEW HEIGHTS

What are the different types of Equipment Finance?

Equipment Lease

Equipment Lease

Hire Purchase

Hire Purchase

Operating Lease

Operating Lease

Typical Funding Journeys on Funding Agent