FINANCE OPTIONS

^Finance Lease - Get a Quote Today

Q: What amounts can I borrow with a finance lease?

Finance leases for UK businesses are typically available for between £5,000 and £2,000,000. The exact amounts depend on asset type, lease term, and your company’s credit strength.

Q: How long does it take to arrange a finance lease?

Most finance leases take between one and four weeks from application to decision. Funding Agent helps ensure your documentation is complete to avoid unnecessary delays.

Q: What rates and fees are associated with finance leases?

Finance lease rates usually fall between 3% and 12% APR. Additional fees may include arrangement charges and asset valuation costs, depending on the provider and specific lease terms.

Q: What types of finance lease are available?

There are three main types: operating lease for short-term asset use, capital lease for eventual ownership, and sale and leaseback to release capital tied up in existing assets.

A finance lease is a popular commercial funding option that allows a UK business to use and benefit from an asset, such as equipment or machinery, without needing to buy it outright. At the end of the term, the business can typically purchase the asset. Finance leases offer access to essential equipment, help preserve cash for other needs, and may deliver tax advantages. This makes them attractive for SMEs looking to manage working capital while maintaining flexibility in how they access critical business assets.

Finance Lease

Secure up to £1,000,000 in Finance Lease with Funding Agent.

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Key ^Benefits of a Finance Lease

Finance leases provide SMEs with an efficient way to access and use business assets while managing cash flow. With a range of competitive rates, and approval typically between one to four weeks, finance leases support business growth and asset optimisation needs.

Flexible payment options

Tax advantages

Preserves capital

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Finance Lease

Operating Lease

Operating leases are ideal for short-term asset use, such as vehicles or office equipment, without long-term ownership. Suitable for businesses with fluctuating or temporary asset needs.

Operating Lease

With typical finance amounts from £5,000 to £500,000 and terms of 12 to 36 months, operating leases suit established UK businesses with good credit and cash flow. This option provides access to needed assets while avoiding the risks and commitments of ownership. Approval is usually within one to two weeks, and payments range from 3% to 10% APR.

Capital Lease

A capital lease is structured for businesses that eventually want to own the asset, making it suitable for long-term equipment or machinery needs.

Capital Lease

Loans typically range from £10,000 to £1,000,000, with terms of 24 to 60 months. Businesses considering a capital lease should have stable cash flow and creditworthiness. After the lease, ownership usually passes to the business. Approval times range from two to four weeks, with rates between 4% and 9% APR.

Sale and Leaseback

Sale and leaseback arrangements allow businesses to release capital tied up in assets by selling and leasing them back for continued use.

Sale and Leaseback

This option is available for amounts from £20,000 up to £2,000,000, over 12 to 48 months. After valuation, the asset is sold to the leasing company, and the business continues to use it while freeing up cash. Ideal for improving liquidity, decisions take three to four weeks and rates are typically 5% to 12% APR.

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 a Finance Lease with Funding Agent

Determine Needs

Analyse which assets your business requires and, using the online application form, evaluate the financial impact of leasing compared to outright purchase.

Compare Options

Use Funding Agent’s platform to review competitive finance lease options matched to your specific asset and business profile.

Complete Application

Submit your application along with financial records, company information, and asset details using Funding Agent’s straightforward process.

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 with a finance lease?

How long does it take to arrange a finance lease?

What rates and fees are associated with finance leases?

What types of finance lease are available?

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^Finance Lease - Get a Quote Today

Key ^Benefits of a Finance Lease

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Finance Lease

Operating Lease

Operating Lease

Capital Lease

Capital Lease

Sale and Leaseback

Sale and Leaseback

Typical Funding Journeys on Funding Agent