Best Asset Finance Lenders for the Facilities Management Industry
For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-13.
Funding Agent focuses on providing UK SMEs with streamlined access to a range of unsecured business finance options. It is typically suited for businesses seeking quick eligibility decisions with straightforward application processes. The platform offers flexible terms with no collateral usually required and enables fast comparisons to suit diverse cash flow needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 4%
- Max APR: 20%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Unsecured business loans, MCA Loans, Working capital
- Industries: UK SME's
Pros
- fastest and easiest application process
- No collateral required
Cons
- lower track record, only trading 1 year
Aldermore specialises in asset finance and commercial mortgages tailored to UK businesses. It is well-suited for SMEs looking for competitive rates with clear terms and flexible loan durations. Aldermore offers options that balance interest rates with tailored security arrangements suitable for various business investment needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 6.09%
- Max APR: 0%
- Loan Duration: 12-84 months ⌛
Services & Industries
- Finance Types: Asset Finance, Commercial Mortgages
- Industries: Various
Pros
- Competitive rates
- Strong customer service
Cons
- Rates not available for all terms
Lombard delivers versatile asset finance solutions primarily for vehicles and equipment. It suits businesses requiring flexible leasing arrangements and financing for multiple asset types. Lombard offers adaptable repayment options and lease agreements, accommodating varied operational and cash flow requirements.
Loan Details
- Min Amount: £0
- Max Amount: £100,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Variable ⌛
Services & Industries
- Finance Types: Asset Finance, Leasing
- Industries: Transport, Equipment
Pros
- Wide range of assets covered
- Flexible funding options
ABN Amro provides corporate and commercial banking with a focus on large-scale asset finance. It is typically suitable for larger corporate clients needing structured financing solutions. ABN Amro offers tailored lending with considerations for industry-specific needs and longer-term arrangements.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset Finance, Commercial Banking
- Industries: Corporate, Commercial
Pros
- Global reach
- Industry expertise
Cons
- Focus on large corporates
BNP Paribas offers asset finance and leasing services across multiple sectors with an emphasis on sustainability. Its products are well-suited for businesses seeking a broad range of tailored leasing and financing arrangements. BNP Paribas supports flexible loan terms with varied repayment structures to meet different business needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible ⌛
Services & Industries
- Finance Types: Asset Finance, Leasing
- Industries: Multiple
Pros
- Strong financial backing
- Diverse product offering
Cons
- Complex application process
Investec provides customised financial solutions in asset finance and wealth management, primarily serving selected sectors. It is suited to clients seeking innovative and tailored lending solutions, often in exclusive markets. Investec prioritises flexible structuring and relationship-driven service models.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset Finance, Wealth Management
- Industries: Finance, Investment
Pros
- Innovative solutions
- Sector expertise
Portman Finance Group specialises in delivering business loans and asset finance products with rapid approval processes. It is particularly suitable for UK SMEs requiring flexible funding options without extensive security demands. Portman supports varying repayment schedules aligned to customer needs and offers brokered solutions.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 6.9%
- Max APR: 30%
- Loan Duration: 3-72 months ⌛
Services & Industries
- Finance Types: Asset Finance, Business Loans
- Industries: Various
Pros
- Fast approval
- No PG options for eligible
Barclays delivers a broad range of asset financing solutions with straightforward online applications. It is well-suited for businesses needing borrowing flexibility with repayment term options up to a decade. Barclays focuses on clear terms with no early repayment penalties and offers both fixed and variable rates.
Loan Details
- Min Amount: £1,000
- Max Amount: £100,000
- Min APR: 11.2%
- Max APR: 14.9%
- Loan Duration: 1-10 years ⌛
Services & Industries
- Finance Types: Asset Finance, Business Loans
- Industries: Various
Pros
- No early repayment fees
- Fixed or variable rates
Cons
- Limited to £100,000 online
Close Brothers offers flexible asset finance products aimed at SMEs across various industries. It suits businesses looking for large funding amounts with tailored repayment and security terms. Close Brothers provides lending solutions accommodating specific sector requirements and funding scales.
Loan Details
- Min Amount: £5,000
- Max Amount: £100,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset Finance, SME Loans
- Industries: Various
Pros
- Large funding amounts
- Sector-specific solutions
Ultimate Finance provides asset-based lending solutions tailored for UK businesses across all industries. It generally suits companies seeking fast funding with flexible financing matched to their specific operational needs. Ultimate Finance offers lending frameworks with adaptable terms to assist a wide variety of business objectives.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12-84 months ⌛
Services & Industries
- Finance Types: Asset Finance, Bridging Finance
- Industries: All
Pros
- Fast funding
- Tailored solutions
Cons
- Limited public info on rates
How to choose
When selecting the best asset finance lender for the facilities management industry, consider the size of the loan required and the typical APR range that fits your budget. Assess your eligibility carefully and check whether the lender offers flexible repayment terms or requires collateral. Speed of funding is crucial for operational needs, but also balance this against the flexibility of loan duration and conditions. It is important to match lenders based on their product focus — some may cater to SMEs with unsecured loans, others specialise in large corporate financing or leasing. Always review fees, early repayment policies, and whether brokered access is available to find the best fit for your franchise business.
Conclusion
Choosing the right lender depends on your specific asset finance needs and use case. Banks typically provide structured loans for larger asset purchases, brokers may offer access to a variety of products across lenders, and specialised providers focus on niche industries or tailored financing. Funding Agent is a strong choice for SMEs willing to compare fast options and find suitable terms. For loan amounts around 200 thousand pounds and above, it is important to consider lender expertise, loan flexibility, and security requirements carefully. Always verify current pricing and terms directly with the lender before committing.