FINANCE OPTIONS

^Lease - Get Pricing and Apply Online

Q: What is the minimum and maximum lease amount?

You can lease assets valued from £1,000 up to £500,000, with the exact amount determined by the asset, your business's credit history, and the type of lease agreement.

Q: How long does lease finance approval take?

Initial approval for lease finance typically takes between one to three weeks, depending on the lender, the asset type, and how quickly you provide accurate supporting documents.

Q: What are the typical interest rates for lease finance?

Typical flat annual rates for lease finance range from 3% to 12%. The specific rate depends on your business profile, the asset, lease term, and chosen lease type.

Q: Are there different types of leasing available?

Yes, SMEs can choose from operating leases, finance leases, and contract hire. Each type is suited to different asset needs, terms, and business preferences.

Lease financing enables UK businesses to access the equipment or vehicles they need by leasing assets instead of buying them outright. This approach allows companies to spread costs over time, making it easier to manage cash flow and avoid large, upfront investments. Lease options are widely used for upgrading machinery, vehicles, or technology, letting you keep pace with industry demands. Common benefits include preserving working capital, benefiting from flexible leasing terms, and staying current with the latest equipment or assets without long-term ownership risks.

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Key ^Benefits of Lease Financing

Lease financing offers SMEs several practical advantages compared to traditional purchasing. By spreading the cost of assets and offering tailored terms, businesses can manage expenses while enjoying competitive rates and quick access to necessary equipment. Decision times are often prompt, allowing you to act swiftly when opportunities or needs arise.

Flexibility

Lower initial costs

Access to new assets

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Lease Financing

Operating Lease

Ideal for businesses needing equipment or vehicles only for a shorter period, operating leases are flexible and do not involve ownership risks.

Operating Lease

Operating leases suit UK SMEs with a good credit record and at least a year of trading. They cover assets from £1,000 to £250,000, with terms lasting 12 to 60 months. Flat rates usually range from 3% to 10%. Approval takes one to two weeks, making this option well-suited for firms that frequently upgrade assets, such as those in retail or IT services.

Finance Lease

Best for those requiring long-term use of expensive assets, finance leases can lead to gradual ownership over time via fixed instalments.

Finance Lease

Finance leases are available to businesses with stable cash flows who accept the asset’s depreciation risk. Amounts typically range from £5,000 to £500,000, with terms of 24 to 84 months and monthly flat rates from 4% to 12%. The process includes asset selection, agreement negotiation, financial review, and starting the lease. Manufacturing and healthcare frequently use this model.

Contract Hire

Contract hire enables fixed-cost vehicle or fleet leasing, helping businesses predict and manage transport expenses.

Contract Hire

Designed for businesses that want to lease vehicles or specialist equipment with clear, fixed costs, contract hire covers £2,000 to £200,000 over 24 to 60 months (flat rates 3% to 9%). It includes agreed mileage limits, with approvals usually within one to two weeks. Logistics and delivery services often benefit from this straightforward approach.

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

Lease Finance through Funding Agent

Submit Your Details

Enter your business profile and details about what you need to lease using our secure online application form to start your application.

Receive and Compare Offers

We’ll match you with lease offers from suitable UK lenders, letting you review and compare their terms before making a decision.

Choose and Apply

Select the offer that fits your requirements, provide any additional information needed, and finalise your lease agreement swiftly and securely.

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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 is the minimum and maximum lease amount?

How long does lease finance approval take?

What are the typical interest rates for lease finance?

Are there different types of leasing available?

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^Lease - Get Pricing and Apply Online

Key ^Benefits of Lease Financing

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Lease Financing

Operating Lease

Operating Lease

Finance Lease

Finance Lease

Contract Hire

Contract Hire

Typical Funding Journeys on Funding Agent