October 2, 2025

The Best Asset Finance Lenders in the UK for 2026

Discover the best asset finance lenders in the UK for 2026. Compare top providers offering flexible and affordable asset financing solutions tailored to your business needs.

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 2025-10-02.

Rank Provider Summary Loan range; APR; Term
1Funding AgentFunding Agent provides unsecured business loans with APR as low as 6.9% and amounts up to £500,000.£1,000–£500,000; 6.9%–8.9% APR; Unknown
2ABC FinanceABC Finance offers a variety of business loan options with transparent fees and low rates.£10,000–£500,000; 5.9%–6.9% APR; 3-25 years
3ABN AMRO Commercial FinanceProvides asset-based lending and invoice financing, focusing on helping businesses enhance cash flow with tailored finance solutions.£5,000–£10,000,000; 1.5%–0% APR; Unknown
4AldermoreAldermore specializes in providing business finance to SMEs with an emphasis on asset finance and invoice finance solutions.£0–£50,000,000; 0%–0% APR; Varies
5Allied Irish Bank (GB)Offers a range of business loans and financial services with a focus on supporting SMEs in the UK.£15,000–£0; 10.75%–11.8% APR; 4 years
6Bank of ScotlandBank of Scotland offers commercial lending solutions with competitive rates and various financial products to support UK businesses.£1,000–£50,000; 11.2%–0% APR; 1-25 years
7BarclaysBarclays provides business funding solutions including unsecured and secured loans with flexible repayment terms and competitive rates.£1,000–£5,000; 11.2%–14.9% APR; 1-25 years
8Bibby Financial ServicesLeading independent provider of flexible cash flow funding solutions, including invoice finance and asset-based lending across the UK.£0–£0; 8.9%–0% APR; Unknown
9Lloyds BankOffers a range of business financial products including loans with both fixed and variable rate options to suit the needs of UK businesses.£1,000–£50,000; 11.2%–0% APR; Varies
10HSBCHSBC offers tailored business loans with competitive rates and the flexibility to choose fixed or variable interest rates for SMEs.£1,000–£25,000; 5.8%–0% APR; 1-10 years

1. Funding Agent

Funding Agent focuses on unsecured business loans. It is ideal for SMEs that require quick funding options without using property as collateral. Their services emphasize speed and straightforward terms for borrowers.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 8.9%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Unsecured Business Loans
  • Industries: Various

Pros

  • Low APR
  • Fast application process

Cons

  • Limited to unsecured loans

Sources: https://www.fundingagent.co.uk/post/best-unsecured-msme-loan-lenders-uk

2. ABC Finance

ABC Finance is known for offering bridging and secured loans. Targeted at businesses needing straightforward financing with clear terms, they are suitable for enterprises looking for variety in finance options. Their service offers both flexibility in terms and clarity in costs.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 5.9%
  • Max APR: 6.9%
  • Loan Duration: 3-25 years⌛

Services & Industries

  • Finance Types: Bridging Loans, Secured Loans, Long-term Loans
  • Industries: Various

Pros

  • Low APR
  • Flexible terms

Cons

  • Higher minimum loan amount

Sources: https://abcfinance.co.uk/business-loans/business-loan-rates/

3. ABN AMRO Commercial Finance

ABN AMRO Commercial Finance aids businesses with cash flow management through asset-based and invoice financing. They attract clients looking for large funding amounts and customizable finance solutions. Suitable for businesses across multiple sectors seeking cash flow enhancements without strict borrowing terms.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £10,000,000
  • Min APR: 1.5%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Invoice Financing, Asset Based Lending
  • Industries: Finance, Retail, Manufacturing

Pros

  • Flexible solutions
  • Large maximum loan amount

Cons

  • High eligibility criteria

Sources: https://www.abnamrocomfin.co.uk/gbr/en/our-solutions/factoring

4. Aldermore

Aldermore specializes in asset finance and offers flexibility to SMEs via invoice finance. This is beneficial for SMEs looking to invest without excessive costs. Their services include various finance forms, filling the gap for those unable to secure traditional loans.

Loan Details

  • Min Amount: £0
  • Max Amount: £50,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies⌛

Services & Industries

  • Finance Types: Asset Finance, Invoice Finance
  • Industries: SME

Pros

  • Specializes in SME financing
  • Flexible finance options

Cons

  • Information on APR not readily available

Sources: https://www.aldermore.co.uk/business-finance/asset-finance/

5. Allied Irish Bank (GB)

Allied Irish Bank (GB) focuses on business loans designed for SMEs, offering reliability and a broad range of financial services. They provide a foundation for SMEs needing investment stability and growth support. Services are tailored to foster business advancement in the UK market.

Loan Details

  • Min Amount: £15,000
  • Max Amount: £0
  • Min APR: 10.75%
  • Max APR: 11.8%
  • Loan Duration: 4 years⌛

Services & Industries

  • Finance Types: Business Loans, Short Term Loans
  • Industries: General Business

Pros

  • Strong SME focus
  • Established bank stability

Cons

  • Higher APR compared to peers

Sources: https://aibgb.co.uk/our-products/finance-and-loans/business-loan

6. Bank of Scotland

Bank of Scotland offers a variety of commercial lending solutions at competitive rates. They cater to businesses needing quick access to funds through diverse financial products. Their offerings include flexible terms and choices suitable for varying business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: 1-25 years⌛

Services & Industries

  • Finance Types: Commercial Loans, Fixed Rate Loans
  • Industries: General Business

Pros

  • Fast fund access
  • Variety of loan products

Cons

  • Higher APR for small loans

Sources: https://business.bankofscotland.co.uk/business-loans.html

7. Barclays

Barclays is known for providing diverse funding solutions, including unsecured and secured business loans. Ideal for SMEs seeking flexible repayment structures and competitive rates, they cater to enterprises wanting a blend of security and accessibility.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £5,000
  • Min APR: 11.2%
  • Max APR: 14.9%
  • Loan Duration: 1-25 years⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Various

Pros

  • Flexible terms
  • No early repayment fees

Cons

  • High APR for small loans

Sources: https://www.barclays.co.uk/business-banking/borrow/loans/

8. Bibby Financial Services

Bibby Financial Services offers specialized invoice finance and asset lending solutions. They serve businesses needing flexible cash flow options without strict collateral expectations. Bibby is a choice for independent companies seeking personalization in funding solutions.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 8.9%
  • Max APR: 0%
  • Loan Duration: Unknown⌛

Services & Industries

  • Finance Types: Invoice Finance, Asset Based Lending
  • Industries: Various

Pros

  • Independent provider
  • Tailored solutions

Cons

  • Specific APR details vary significantly

Sources: http://www.bibbyfinancialservices.co.uk/

9. Lloyds Bank

Lloyds Bank is well-regarded for its diverse loan structures featuring both fixed and variable rates. SMEs can benefit from their flexible terms and access to various financial products. They're preferred by businesses needing rapid financing with trustworthy support.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 0%
  • Loan Duration: Varies⌛

Services & Industries

  • Finance Types: Fixed Rate Loans, Variable Rate Loans
  • Industries: General Business

Pros

  • Flexible loan offerings
  • Rapid access to funds

Cons

  • Higher interest rates for small loans

Sources: https://lloydstsb.co.uk/business/business-loans.html

10. HSBC

HSBC provides SMEs with customizable loan options featuring competitive rates and flexible payment methods. A solid choice for those seeking detailed financial control and a reputation for reliability. They support varied business needs with tailored finance solutions.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £25,000
  • Min APR: 5.8%
  • Max APR: 0%
  • Loan Duration: 1-10 years⌛

Services & Industries

  • Finance Types: Flexible Business Loans
  • Industries: Various

Pros

  • Competitive APR
  • Variety of loan terms

Cons

  • Caps on maximum loan size for certain loans

Sources: https://www.iwoca.co.uk/small-business-loans/hsbc

How to choose

Finding the right asset finance lender is crucial. Start by evaluating loan size and APR trends to match your budget requirements. Check lender requirements for eligibility and confirm that repayment terms align with your cash flow, considering any seasonal fluctuations. Compare how lenders fare on flexibility versus speed. Be sure to scrutinize any fees or early repayment penalties to ensure full cost transparency before committing to an application.

Conclusion

Choosing the right finance provider involves matching their strengths to your needs. Banks might offer more security for large, stable businesses, while brokers could provide flexibility for more niche requirements. Specialist lenders can be optimal for sector-specific or asset-backed needs. Funding Agent stands out for those who desire a quick, no-frills comparison across options. It is advisable to always validate current terms directly with the lender, as conditions may shift.

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