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What is Asset Finance?

Asset finance, also referred to as Equipment financing, is a type of financing option that allows businesses to acquire the assets they need to operate and grow, without having to make a large upfront capital investment. This type of finance is particularly useful for businesses that require expensive assets such as machinery, equipment, vehicles, or property.

With asset finance, a lender purchases the asset on behalf of the business and then leases it to the business for a set period of time. The business makes regular payments to the lender over the lease period, and at the end of the lease, the business can choose to either return the asset or purchase it outright at a reduced price.

There are different types of asset finance, including hire purchase, finance lease, and operating lease. Each type has its own advantages and disadvantages, depending on the needs of the business.

Asset finance is attractive to businesses as it allows them to conserve their cash flow and spread the cost of acquiring assets over a longer period of time. Additionally, the asset is used as security for the loan, which means that lenders are often more willing to offer asset finance to businesses with less established credit profiles or who may have difficulty obtaining other types of finance.

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How to get started for Finance Loan?

Check your Eligibility for an a Asset Finance Loan

  • Have an approved credit check and strong bank statements is needed.
  • You will need to demonstrate that you have the means to keep up the repayments and meet certain criteria to prove this.
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Why Asset Finance?

Preservation Of Cash Flow
Asset finance allows businesses to preserve their cash flow as they do not have to make a large upfront payment for the asset. Instead, payments are made over a set period of time, which can be beneficial for businesses that need to maintain liquidity or invest in other areas of the business.

Access To Better Equipment
Asset finance can enable businesses to access better equipment or assets than they could otherwise afford. This can help businesses to remain competitive in their industry and to improve their operational efficiency, productivity, and profitability. Additionally, businesses can choose to upgrade their equipment at the end of the lease term, which can further improve their performance and competitiveness.

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Lower Risk
As the asset being financed serves as collateral, asset finance is considered to be lower risk for lenders than other types of business finance. This means that businesses with less established credit profiles may be more likely to be approved for asset finance than for other types of financing.


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“Scott was an amazing professional; and friendly person to deal with!! He made us feel comfortable and with his personal touch made it easy and trust assured that he had our business in his best interests at all time! Would highly recommend to anyone.”

Samantha Hansen

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Frequently Asked Questions

Asset finance can be used to finance a wide range of assets, including machinery, vehicles, equipment, property, and technology. The type of asset that can be financed will depend on the lender and the specific financing product being offered.

The repayment period for asset finance can vary depending on the lender and the type of financing product being offered. Generally, repayment periods range from 1 to 5 years, but some lenders may offer longer repayment periods depending on the asset being financed.

Eligibility criteria for asset finance varies depending on the lender and the financing product being offered. However, most lenders will consider factors such as the creditworthiness of the business, the purpose of the financing, the value of the asset being financed, and the ability of the business to repay the financing.

The tax implications of asset finance can vary depending on the specific financing product being offered and the tax laws in the jurisdiction where the business is located. In some cases, the payments made under an asset finance agreement may be tax-deductible, which can provide financial benefits for the business.

At the end of the lease term in asset finance, the business typically has several options. They may choose to return the asset to the lender, purchase the asset outright at a reduced price, or enter into a new financing agreement for an upgraded asset. The specific options available will depend on the terms of the financing agreement and the lender's policies.

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