Top 10 £750,000 Asset Finance Lenders for UK Businesses (2026)
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Top 10 Asset Finance Lenders for £750,000
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Reward Funding | Established firms funding major equipment lines above £100,000 | £100,000 to £5,000,000 | interest 0.99% to 3% monthly |
| 2 | Liberty Leasing | Mid-market firms funding large-scale equipment or fleet purchases | £10,000 to £2,000,000 | interest 11% to 16% annually |
| 3 | Lombard | Growing companies funding six-figure equipment and vehicle purchases | Up to £5,000,000 | interest 4% to 11.5% monthly |
| 4 | Time Finance | Established businesses financing long-term capital equipment acquisitions | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 5 | Admiral leasing | SMEs evaluating equipment lease options for significant upgrades | From £1,000 | interest 5.5% to 13.5% annually |
| 6 | Barclays | Firms weighing bank asset finance against specialist lender offers | £1,000 to £25,000,000 | interest 8.5% to 14.9% annually |
| 7 | Acorn Business Finance | Businesses using brokers to source competitive large-asset deals | £15,000 to £5,000,000 | interest 8% to 15% annually |
| 8 | Propel Finance | Businesses needing asset finance flexibility across varying asset values | From £500 | interest 5% to 20% annually |
| 9 | Aldermore Asset finance | Established firms funding major asset purchases through bank lending | £1,000 to £10,000,000 | interest 5% to 15% annually |
| 10 | Close Brothers | Higher-revenue businesses seeking tailored high-value asset funding | £25,000 to £100,000,000 | bespoke 3.5% to 10% monthly |
Asset finance lets a business borrow against the value of the equipment, machinery or vehicles it plans to acquire, with the asset itself serving as security for the lender. This structure works well for established businesses with strong trading histories, because the finance is secured against the asset rather than other company collateral. At £750,000, asset finance typically funds major capital expenditure such as production lines, commercial vehicle fleets or specialised industrial machinery.
Choosing the right asset finance lender at this level goes beyond comparing headline rates. Check whether a lender has experience financing your specific asset type, as some specialise in particular equipment categories. The repayment term and structure matter too. Longer terms reduce monthly costs but increase total interest. Consider whether the lender requires additional security beyond the asset itself. Lender appetite for six-figure transactions varies, so confirming a provider routinely handles deals of this size is essential.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Reward Funding
Published loan range£100,000 to £5,000,000
Rate typeinterest 0.99% to 3% monthly
Overview: Monthly rates starting at 0.99% put Reward Funding among the more cost-effective choices for a £750,000 asset facility. The lender structures revolving credit against equipment, vehicles or machinery, so repayments flex with usage rather than following a rigid schedule. The headline rate depends on asset quality and trading history; weaker propositions price higher.
Best next step: Check asset eligibility and rate band early.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Monthly rates from 0.99%
- Facilities up to £5 million
- Revolving credit structure available
Need to know
- Rate depends on asset quality
- Security and valuations required
- Costs may rise with utilisation
Expert take
A flexible asset-based lender that structures revolving facilities rather than fixed-term deals. For a £750,000 asset purchase, the monthly pricing model keeps initial costs low and suits businesses comfortable with repayments that track actual usage.
Source:https://rewardfunding.co.uk/
Liberty Leasing
Published loan range£10,000 to £2,000,000
Rate typeinterest 11% to 16% annually
Overview: Funding decisions within 24 hours make Liberty Leasing a practical choice when asset acquisition cannot wait. The lender funds equipment, vehicles and machinery from £10,000 to £2 million, with annual interest between 11% and 16%. A £750,000 facility moves quickly once asset details are verified, though the annual rate sits above some competitors on this list.
Best next step: Prepare asset specifications before applying.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Same-day decisions possible
- Covers equipment and vehicles
- Preserves working capital
Need to know
- Annual rates of 11% to 16%
- Asset eligibility checks apply
- Deposits may be required
Expert take
A direct funder that prioritises speed without overcomplicating the credit process. For established businesses needing £750,000 in asset finance, quick turnaround is the main draw, and the annual pricing is transparent from the outset.
Lombard
Published loan rangeUp to £5,000,000
Rate typeinterest 4% to 11.5% monthly
Overview: Facilities stretch to £5 million, giving Lombard ample headroom for a £750,000 asset purchase alongside any future funding needs. The lender is one of the more recognised names in UK asset finance and funds equipment, vehicles and machinery. Monthly interest ranges from 4% to 11.5%, so the cost spread is wide and hinges heavily on credit strength.
Best next step: Confirm your rate band before committing.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Lends up to £5 million
- Well-established UK lender
- Covers diverse asset types
Need to know
- Monthly interest of 4% to 11.5%
- Asset valuation required
- Credit profile drives pricing
Expert take
A long-standing asset finance house with the balance sheet to handle larger transactions comfortably. A £750,000 facility is routine for Lombard, and the lender's experience with high-value assets means fewer structuring hurdles for straightforward deals.
Source:https://www.lombard.co.uk/
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Time Finance blends asset finance with invoice finance under one roof, which suits businesses that want a single relationship across multiple funding lines. Annual rates sit between 5.5% and 13.5%, and facilities reach £5 million. For a £750,000 asset purchase, the combination of products can support both the acquisition and the working capital that follows.
Best next step: Ask about combined asset and invoice facilities.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Asset and invoice finance available
- Facilities up to £5 million
- Annual rates from 5.5%
Need to know
- Invoice quality affects terms
- Facility limits can be reviewed
- Security and deposits may apply
Expert take
A multi-product lender suited to B2B firms that value having asset and receivables funding with one provider. The £750,000 ask fits neatly within their upper limit, and the dual-product model adds flexibility for growing businesses.
Source:https://www.timefinance.com/
Admiral leasing
Published loan rangeFrom £1,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Decisions in as little as four hours set Admiral Leasing apart when speed is the priority. The lender funds equipment and vehicles from £1,000 upwards, with annual interest between 5.5% and 13.5%. A £750,000 asset finance application moves fast for established businesses with clean credit, though broker access to this lender is not universal.
Best next step: Have financials ready for rapid assessment.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Decisions in 4 hours
- Annual rates from 5.5%
- Equipment and vehicle finance
Need to know
- Not available through all brokers
- Strong trading history needed
- Asset eligibility checks required
Expert take
A speed-focused equipment lessor that can turn around high-value applications faster than most. For a £750,000 asset purchase, the four-hour decision timeline is the standout feature, and credit scrutiny is proportionate to the deal size.
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9% annually
Overview: A lending ceiling of £25 million means Barclays handles a £750,000 asset finance request as a standard mid-market transaction. The bank funds equipment, vehicles and machinery with annual rates from 8.5% to 14.9%. Well-suited to established businesses with audited accounts, though bank underwriting tends to be more thorough and slower than alternative lenders.
Best next step: Allow extra time for bank underwriting.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Lends up to £25 million
- Broad asset type coverage
- Established high-street brand
Need to know
- Rates from 8.5% annually
- Slower bank underwriting process
- Strong accounts typically needed
Expert take
A mainstream clearing bank with deep asset finance capabilities and the balance sheet to support large facilities without syndication. A £750,000 deal is routine for Barclays, and the credit process, while document-heavy, is predictable and well-structured.
Acorn Business Finance
Published loan range£15,000 to £5,000,000
Rate typeinterest 8% to 15% annually
Overview: Acorn structures asset finance alongside revolving credit and term loan options, giving established businesses room to bundle a £750,000 equipment purchase with broader funding needs. Annual rates fall between 8% and 15%, and the facility ceiling reaches £5 million. The multi-product approach suits firms that may need follow-on funding after the initial asset acquisition.
Best next step: Explore bundled facility options.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Multiple product types available
- Facilities up to £5 million
- Annual rates from 8%
Need to know
- Broker-only access in many cases
- Rates depend on asset type
- Valuations and security required
Expert take
A broker-facing funder with a broad product shelf that goes beyond plain asset finance. For a £750,000 purchase, the ability to layer term debt or revolving credit can future-proof the funding structure.
Propel Finance
Published loan rangeFrom £500
Rate typeinterest 5% to 20% annually
Overview: Annual rates starting at 5% make Propel Finance worth comparing when cost is the deciding factor on a £750,000 asset facility. The lender funds equipment from £500 upwards and typically delivers decisions within two to five days. Pricing at the lower end depends on asset quality and credit profile; weaker applications price higher, up to 20% annually.
Best next step: Request a rate indication early.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Annual rates from 5%
- Accepts smaller asset values too
- Equipment finance specialist
Need to know
- Funding takes 2 to 5 days
- Rates range up to 20%
- Asset eligibility checks apply
Expert take
A volume-focused asset funder whose low entry point belies an ability to handle larger transactions. The headline 5% rate is competitive for a £750,000 deal, and final terms hinge on the strength of the underlying asset and applicant.
Aldermore Asset finance
Published loan range£1,000 to £10,000,000
Rate typeinterest 5% to 15% annually
Overview: Lending from £1,000 to £10 million, Aldermore handles a £750,000 asset finance request without stretching its credit parameters. The lender turns decisions around in roughly 48 hours and prices annually between 5% and 15%. Broad asset coverage and a well-known brand make it a reliable benchmark option for mid-market businesses comparing funders.
Best next step: Compare against other mid-market funders.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Lends up to £10 million
- Annual rates from 5%
- Decisions within 48 hours
Need to know
- Full 48-hour turnaround time
- Rates up to 15% at top end
- Standard asset eligibility rules
Expert take
A challenger bank with a well-established asset finance division that competes comfortably in the mid-market. A £750,000 facility falls squarely in their sweet spot, and the 48-hour timeline balances speed with sensible underwriting.
Source:https://www.aldermore.co.uk/business/business-finance/asset-finance/
Close Brothers
Published loan range£25,000 to £100,000,000
Rate typebespoke 3.5% to 10% monthly
Overview: Bespoke pricing and facilities stretching to £100 million give Close Brothers the flexibility to structure a £750,000 asset finance deal around complex or unusual asset types. Monthly rates range from 3.5% to 10%, and the lender has particular strength in transport, manufacturing and construction. The tailored approach suits businesses whose asset profile does not fit standard boxes.
Best next step: Expect a bespoke proposal, not off-the-shelf terms.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Bespoke pricing per deal
- Lends up to £100 million
- Sector expertise in key industries
Need to know
- Monthly rates of 3.5% to 10%
- Bespoke means longer quoting
- Strong trading history expected
Expert take
A heavyweight asset funder with deep sector knowledge and the largest facility ceiling on this list. For a £750,000 asset purchase in transport, manufacturing or construction, their specialist underwriters understand the asset class better than most generalist lenders.
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What assets can £750,000 asset finance cover?
When you are raising £750,000 in asset finance, lenders will expect the assets themselves to carry meaningful value and resale potential. At this level, businesses typically fund heavy plant and machinery, specialist manufacturing equipment, commercial vehicle fleets, agricultural kit, or print and packaging lines.
Most lenders on this list cap facilities between £2 million and £5 million, so a £750,000 request sits comfortably within their appetite. Close Brothers goes significantly higher, funding up to £100 million, while Barclays offers asset finance facilities up to £25 million. Reward Funding and Lombard each lend up to £5 million.
Lenders will assess the asset type, its expected working life, and its depreciation profile before agreeing terms. Specialist or bespoke machinery can attract closer scrutiny than standard assets with deep resale markets. If the asset is expected to hold value well, you stand a stronger chance of securing competitive rates and higher loan-to-value ratios.
What lenders expect when you apply for £750,000 asset finance
At £750,000, lenders will look beyond the asset itself and assess your business fundamentals. While Aldermore Asset Finance sets a minimum turnover of £0 and Close Brothers requires £500,000, a facility of this size typically demands annual revenues well into seven figures. Lombard asks for a minimum of £25,000 in turnover, but in practice a £750,000 application from a business turning over less than £2 million would face additional scrutiny.
Personal guarantees are standard at this level. Reward Funding, Liberty Leasing, Time Finance, Aldermore, and Close Brothers all require directors to provide a personal guarantee. This gives the lender recourse beyond the financed asset if the facility defaults.
Loan-to-value ratios vary by lender and asset type. Aldermore and Propel Finance both offer up to 100% LTV, meaning the full asset cost can be covered. Close Brothers caps at 90%, while Reward Funding limits exposure to 85%. Where LTV is lower, you will need to fund the balance from working capital or a deposit.
How £750,000 asset finance compares to other funding options
Asset finance at £750,000 differs from secured business loans and commercial mortgages in one key respect: the asset you buy serves as the security. You do not need to tie up property or offer additional collateral beyond the equipment, vehicle, or machinery itself.
This also affects the rate structure. Asset finance lenders on this list quote rates in two ways. Several use annual rates: Liberty Leasing publishes 11% to 16% annually, Time Finance ranges from 5.5% to 13.5% annually, and Barclays sits at 8.5% to 14.9% annually. Others quote monthly: Reward Funding publishes 0.99% to 3% monthly and Close Brothers ranges from 3.5% to 10% monthly. Comparing like for like matters when weighing offers.
Repayment terms also differ. A commercial mortgage might stretch to 25 years, whereas asset finance terms on this list typically run between one and seven years. Barclays is an outlier, offering terms up to 25 years on asset finance. Shorter terms mean higher monthly payments but less total interest paid over the life of the facility.
How to improve your chances of securing £750,000 asset finance
Preparation makes the difference at this level. Lenders reviewing a £750,000 asset finance application will expect a clear business case for the asset, including how it will generate revenue or reduce costs. Provide financial projections that show the asset's contribution to your bottom line.
Your credit profile matters. While asset finance is secured against the equipment, lenders still assess director and business credit histories. Any adverse entries should be explained upfront with supporting context.
Choose the right lender for your asset type. Some funders on this list specialise in particular sectors or asset classes. Reward Funding, for example, publishes rates from 0.99% to 3% monthly and has a clear appetite for larger facilities. Close Brothers suits well-established businesses, with a minimum turnover requirement of £500,000 and funding available up to £100 million.
Working with a broker who understands the £750,000 asset finance market can help match your profile to lenders most likely to approve your application, saving time and avoiding unnecessary credit searches.
