FINANCE OPTIONS

^Equipment Leasing – Get a Quote Today

Q: What amounts can I borrow through equipment leasing?

Businesses can lease equipment with amounts starting from £1,000 up to £1,000,000. The amount you’re able to borrow depends on factors such as your creditworthiness and the type and value of the equipment.

Q: How quickly can I access leased equipment?

Initial decisions on equipment leasing can take 1 to 3 weeks. Once approved, the funds or equipment are typically available within 7 days, provided all documentation is complete and accurate.

Q: What are the typical costs involved with equipment leasing?

Rates typically range from 2% to 15%, based on your business’s credit score, lease term, and the value of the equipment. Additional fees like setup or early termination charges may apply, depending on your agreement.

Q: What types of equipment leases are available?

Common options include operating leases, finance leases, and hire purchase agreements. Each type offers different terms around ownership, eligibility, and payment structure to fit varied business needs.

Equipment leasing is a financial solution allowing UK businesses to rent rather than buy essential equipment. This option means SMEs can access the tools they need without a large upfront investment, which helps to preserve cash flow. With equipment leasing, companies can benefit from flexible upgrade opportunities and may also gain tax efficiencies, as lease payments are often deductible expenses. Leasing is a practical option for businesses looking for an efficient way to secure the equipment necessary for their operations while managing budgets and maintaining financial flexibility.

Equipment Leasing

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^Benefits of Equipment Leasing

Equipment leasing provides a cash-efficient way for businesses to access vital tools and machinery. With straightforward decision timelines and defined rate ranges, leasing helps companies manage cash flow, benefit from tax efficiencies, and keep options open for equipment renewals or upgrades at the end of a lease.

Conserves capital

Tax benefits

Flexibility in upgrades

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Leasing

Operating Lease

An operating lease is typically for short to medium terms, allowing you to use equipment without ownership obligations. It suits businesses needing temporary or regularly refreshed assets.

Operating Lease

With an operating lease, the leasing company retains ownership of the equipment. Your business rents the item, which is ideal for assets with short useful lives or fast-changing technology. Eligibility usually requires good credit and at least a year of trading. Typical amounts range from £5,000 to £500,000, for 12 to 60 months, with rates from 2% to 10% depending on your circumstances.

Finance Lease

A finance lease gives you long-term access to equipment with regular payments, but the asset remains owned by the lessor throughout the agreement.

Finance Lease

Finance leases suit businesses needing equipment long-term without wanting outright ownership. After approval, the leasing company buys the asset and you make monthly payments over the lease period, which spans 24 to 84 months. Amounts between £10,000 and £1,000,000 are common. Approval often requires a strong credit profile and stable trading history.

Hire Purchase

Hire purchase lets you eventually own the equipment after a deposit and a series of regular installments. This suits businesses planning for long-term use.

Hire Purchase

With hire purchase, you pay an initial deposit and then spread payments over 12 to 60 months, taking ownership at the end. Loan sizes start at £1,000 and go up to £250,000. This model works well for companies wishing to add assets to their balance sheet while spreading cost. Eligibility is based on a solid credit score and continuous trading for at least six months.

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 Funding Agent Supports You

Submit Your Application

Share essential details about your business and required equipment through our straightforward online application form. This helps us understand your specific needs.

Compare Lease Offers

We present tailored equipment lease proposals from established UK lenders, so you can review and weigh your options before making a decision.

Secure Your Lease

Once you have chosen the most suitable lease, simply complete the agreement directly with the lender and finalise your equipment arrangements.

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 amounts can I borrow through equipment leasing?

How quickly can I access leased equipment?

What are the typical costs involved with equipment leasing?

What types of equipment leases are available?

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^Equipment Leasing – Get a Quote Today

^Benefits of Equipment Leasing

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Equipment Leasing

Operating Lease

Operating Lease

Finance Lease

Finance Lease

Hire Purchase

Hire Purchase

Typical Funding Journeys on Funding Agent

How Funding Agent Supports You

Submit Your Application

Compare Lease Offers

Secure Your Lease

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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