Invest in growth without the upfront cost
Asset finance lets you acquire the equipment your business needs, or release cash from what you already own. Instead of a large capital outlay, you spread the cost over manageable monthly payments.
This keeps your working capital available for day-to-day operations while still giving you access to the tools, vehicles, and machinery that drive your business forward.
Types of asset finance
Hire Purchase
Pay in instalments and own the asset at the end of the agreement. Ideal for vehicles and heavy equipment.
Finance Lease
Use the asset for an agreed period with the option to extend, upgrade, or return at the end of the term.
Equipment Leasing
Rent specific equipment for a fixed term, ideal for assets that depreciate quickly like technology.
Asset Refinancing
Release capital from equipment, vehicles, or property you already own without selling them.
Assets we can finance
Hard Assets
- Office furniture
- Machinery & equipment
- Commercial vehicles
- Buildings & property
These retain resale value at the end of the agreement.
Soft Assets
- Computer software
- Security systems
- Materials & supplies
- Fixtures & fittings
Items that may not retain significant resale value.
Liquid Assets
- Balance sheet assets
- Convertible securities
- Cash equivalents
- Inventory stock
Assets easily converted into cash for your business.
Already own business assets?
Asset refinancing lets you release capital tied up in existing equipment, vehicles, or property, without selling them. Free up cash flow and reinvest in growth.
No obligation quote in 60 seconds
Useful resources
Related at Funding Flow: vehicle finance, business loans, asset finance calculator.
Official references: Bank of England base rate, gov.uk capital allowances.
Estimate your monthly cost
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Hire purchase calculator for assets
Estimate monthly payments on an asset hire purchase agreement.
0.0% of asset price
36 months
Rate shown is a flat rate. The equivalent APR is higher.
Illustrative only, not a quote. Facility £20,000 to £500,000.
Hire purchase gives you full ownership at the end of the agreement. The asset is the security, no additional assets required.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Finance lease calculator for assets
Estimate monthly payments on an asset finance lease, including balloon payment.
Enter a vehicle price
30% of price
A bigger balloon lowers your monthly payments but leaves a larger lump sum to pay, refinance, or hand the vehicle back at the end.
Illustrative only, not a quote. Facility £20,000 to £500,000.
The balloon payment is a lump sum due at the end of the agreement. You can pay it to own the asset, refinance it, or hand it back. A larger balloon means lower monthly payments but a bigger sum at the end.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Frequently asked questions
Not sure which product is right?
Ask Flo, our AI finance assistant can guide you through your options.