Anglo Scottish Finance Reviews

Anglo Scottish Finance offers bespoke asset and commercial finance with excellent service, low APRs, and a 5-star Trustpilot rating, serving diverse industries across the UK.

Here are the Trustpilot Reviews from Anglo Scottish Finance:

Here are the Reviews from Anglo Scottish Finance:

Purchased a Porsche via Anglo Scottish, Lauren Davis handled every detail with precision. Outstanding service!

Jeremy Shaw

Rob Oats listened, understood my needs, truly grateful for support and guidance from Anglo Scottish Finance.

Partycja Piątek

Savi made my car finance easy, went the extra mile, professional, highly recommend him!

Ryan Devine

Savi was absolutely brilliant! Approved for two cars at once, stress-free, smooth and fast process.

Grant Hall

Geff and his team helped us acquire new assets, simple process, always quick, highly recommended!

Joseph Trotter

Trevor made buying my Tesla easy—no jargon, best deal, responsive, kept me updated. 100% recommend!

James Pearce

Explore Anglo Scottish Finance's Finance Solutions:

Unsecured Business Loan

£5,000 – £500,000

Secured Business / Commercial Loan

£50,000 – £5,000,000

Apply Now!

Explore Anglo Scottish Finance's Finance Solutions:

Loan Type:

Unsecured Business Loan

Loan Range:

£5,000 – £500,000

Loan Terms:

3 months to 5 years

Minimum Turnover and Trading Age:

Typically 12 months trading and £100k+ turnover

Interest Rate / Factor Rate:

7.9% – 29.9% APR (representative range across lending panel)

Fees:

Arrangement fee 1% – 5%; early repayment fee may apply with some lenders

Loan Type:

Secured Business / Commercial Loan

Loan Range:

£50,000 – £5,000,000

Loan Terms:

1 year to 10 years

Minimum Turnover and Trading Age:

12-24 months trading; £250k+ turnover

Interest Rate / Factor Rate:

4.5% – 12% p.a. variable or fixed

Fees:

Arrangement 1% – 2%; valuation and legal fees; early repayment option costs

Loan Type:

Asset Finance – Hire Purchase

Loan Range:

£1,000 – £10,000,000

Loan Terms:

12 months to 7 years

Minimum Turnover and Trading Age:

Start-ups accepted with deposit; standard 6+ months trading

Interest Rate / Factor Rate:

4% – 12% flat rate (equivalent 7% – 16% APR)

Fees:

Documentation fee £95 – £395; option-to-purchase fee £10 – £100

Loan Type:

Asset Finance – Finance Lease

Loan Range:

£1,000 – £5,000,000

Loan Terms:

12 months to 7 years

Minimum Turnover and Trading Age:

6+ months trading or suitable guarantor

Interest Rate / Factor Rate:

4% – 11% flat rate

Fees:

Documentation fee £95 – £395; balloon or residual may apply

Loan Type:

Operating Lease / Contract Hire (Vehicles & Equipment)

Loan Range:

£1,000 – £2,000,000

Loan Terms:

12 months to 5 years

Minimum Turnover and Trading Age:

Start-ups accepted for some vehicle leases; generally 3 months bank statements

Interest Rate / Factor Rate:

Monthly rental determined by residual value; equivalent APR 5% – 10%

Fees:

Initial rental (3–12 months) plus document fee £150 – £250

Loan Type:

Invoice Finance (Factoring & Discounting)

Loan Range:

£50,000 – £10,000,000 facility limits (up to 90% of invoice value)

Loan Terms:

Revolving facility, reviewed annually

Minimum Turnover and Trading Age:

Typically £250k+ annual turnover and 6+ months trading

Interest Rate / Factor Rate:

Service fee 0.5% – 3% of turnover; discount margin 2% – 4% over base

Fees:

Arrangement fee 0.5% – 1%; trust account/CHAPS fees where applicable

More About Anglo Scottish Finance

Anglo Scottish Asset Finance Limited is a UK-based finance broker, authorised and regulated by the Financial Conduct Authority. Founded in 2007, it works with a large panel of banks and specialist lenders to arrange funding for SMEs and consumers. The broker offers asset, vehicle, property, and business finance solutions tailored to different trading situations. It may suit businesses seeking diverse, sector-specific financing but less so those who prefer direct, transparent access to lenders.

Key features of Anglo Scottish Asset Finance Limited

Anglo Scottish provides several practical features for businesses needing flexible funding. Its panel approach and specialist teams aim for personalised service, with a focus on variety and speed.

Access to over 70 mainstream and specialist lenders
Fast decisions, with some asset and vehicle finance offers in as little as two hours
E-signature documentation allows for quicker deal completion
Dedicated specialists for sectors such as agriculture and construction
Vehicle sourcing and fleet management partnerships available

Who can qualify for funding?

To qualify, you may need at least 6-24 months’ trading, depending on the product. Start-ups might be eligible for asset or vehicle leasing. Minimum turnover requirements often start at £50,000 for smaller advances, going up to £250,000 for property-related facilities. Excluded sectors include arms, gambling, and illicit trades, with other industries considered on a case-by-case basis. Businesses and properties must be based in the UK.

Loan options through Anglo Scottish Asset Finance Limited

Anglo Scottish provides access to a wide menu of business finance options. Loan amounts range from £1,000 for smaller asset purchases to £25,000,000 for large property or development deals. Each loan type has set repayment terms, trading history expectations, and rates as outlined below.

Unsecured business loans: £5,000 – £500,000, terms from 3 months to 5 years, representative APR from 7.9% to 29.9%
Secured business or commercial loans: £50,000 – £5,000,000, terms from 1 to 10 years, typical rates 4.5% to 12% p.a.
Asset finance hire purchase: £1,000 – £10,000,000, from 12 months to 7 years, with fixed or variable rates
Asset finance leases: £1,000 – £5,000,000, for 12 to 84 months, suitable for equipment and vehicles
Bridging loans: £50,000 – £25,000,000, terms from 1 to 24 months, rates 0.55% – 1.5% per month
Invoice finance: £50,000 – £10,000,000 revolving facilities, rates based on service fee (0.5% – 3%) and discount margin (2% – 4% over base)
Merchant cash advance: £5,000 – £300,000, repaid via a percentage of card sales, factor rate 1.15 – 1.35
VAT and corporation tax loans: £10,000 – £500,000, typically over 3 to 12 months, interest rate 0.55% – 1.5% flat per month
Development finance: £250,000 – £25,000,000, terms 6 to 36 months, 6% – 12% p.a., staged drawdowns
Commercial mortgages: £75,000 – £10,000,000, up to 25 years, interest from 3.5% above Bank of England base
Acquisition and management buy-out finance: £250,000 – £10,000,000, 3 to 7 years, rates 6% – 15% p.a.

How do you apply?

The application process involves a hybrid approach, with enquiry forms online or by phone, followed by documentation, risk checks, and e-signature completion. Timelines for approval and funding vary, from as little as two hours for basic asset deals to several weeks for complex property or development finance. Required paperwork includes proof of ID, trading accounts, bank statements, and—if relevant—asset quotes or property valuations.

Submit an initial enquiry online or by phone to start the process
Provide supporting documents like ID, trading accounts, and bank statements
The broker reviews your eligibility and matches you to lenders on the panel
Sign electronically once a facility is approved, with funding released upon completion

Funding Agent’s view

Anglo Scottish Asset Finance Limited stands out for its broad lender panel and product variety, giving UK businesses access to diverse funding. Its personalised, sector-led approach may help companies that value advice, cross-product solutions, or have complex needs. However, those wanting direct lender deals or a fully digital journey may find it less suitable. Review options carefully, including credit requirements and fee structures, and consider using an eligibility checker or comparison tool before you apply.