How It Works
With our simple form, case management tools, and expert advisers; finding asset funding has never been simpler.
Complete quote form and let us know about your requirements.
We'll review your requirements and gather terms from various lenders.
Accept the terms you are happy with and sign paperwork.
Once everything’s approved, the process will then be completed by releasing funds and making the facility live.
Frequently Asked Questions
Need answers? We got 'em.
Asset finance is a type of loan that enables businesses to obtain funding for the purchase of assets they need to run and grow successfully. Assets such as cars and vehicles, equipment, software, machinery, systems, tools, furniture, mobile buildings, containers, and other technology, or enables you to release capital in assets you own.
There can be tax benefits which can help your business, but we recommend speaking to your accountant beforehand.
Paying cash outright for capital assets can be a significant drain on your working capital, and waiting for cash from your receivables also restricts growth, asset finance takes this strain off your business and will ease your cash flow through regular payments over an agreed period of time and there can be tax benefits which can help.
You can use asset finance for:
Cars and vehicles
Computers and software including phone systems
Agricultural and plant equipment
Hotel, pub and restaurant furniture
Medical and dental equipment
Renewable energy and sustainable technology
Hire purchase enables you to secure ownership of the assets by paying in instalments over time. The cost of an asset can be spread over its useful working life and paid for out of the revenue it earns. Payment patterns can be tailored to suit individual needs, generally involving a 10% deposit and all VAT paid upfront followed by a series of monthly or quarterly instalments. Customers can choose between a fixed rate or base rate hire purchase. Hire purchase is similar to equipment leasing but your business owns the item.
An equipment leasing agreement gives a business full use of an asset for an agreed period of time at an agreed monthly or quarterly rental. The funder will purchase the required asset, claim any available allowances or writing down allowances and pass the full benefit on within the lease rentals. Funders have different leasing plans, each designed to meet the requirements of specific circumstances.
The two types of equipment leasing are known as finance leasing and operating leasing. Paying cash outright for capital assets can be a signature drain on your working capital, and waiting for cash from your receivables also restricts growth.
Asset refinancing agreements are aimed at businesses that already own the asset and which now need to release some of the capital tied up in those assets. The funder buys the asset from you and leases it back to you for an agreed period of time at an agreed monthly or quarterly rental.
Don't just take our word for it. Read our latest reviews.
I highly recommend Paul Misner of B2B. My refinancing was happening just as rates were rising. Paul provided excellent advice, calm guidance and was timely and professional in execution. The entire process was calm and constructive with Paul managing communication between the different parties. Thank you Paul Kind regards Alison
I have used David Holloway at B2B Finance for many years now and it is without doubt a 5 star service handling sourcing and arrangement of commercial mortgages for me. David (and B2B Finance) are a pleasure to deal with, going the extra mile and delivering a positive outcome. I have a built a strong and trusting relationship with David who would al...
Broker Andy Small Fantastic and dedicated service. Went above and beyond broker remit to compensate for poor solicitor. Very helpful and efficient. Will definitely use again, great aftercare also. 10/10 recommend Andy Small
Having recently completed a commercial purchase which was facilitated by Ian Brooks at B2B finance. Ian provided an exceptional service from start to finish ensuring the transaction was monitored on a daily basis all the way through to completion. Ian was in constant contact with me throughout the process whilst also liaising with the lender an...
Sincere appreciations to Jodie Stevenson of B2B Finance. I recently decided to take on a mortgage as a limited company, and working with Jodie was a pleasant experience, she's knowledgeable and personable. I am particularly impressed with how she offers well balanced and duly explained options, on a timely basis. It's been a pleasure working wit...
Mr Sanjiv Shah
Had been such a great experience from the beginning to the end of the transaction. Tim Leverett at B2B finance have been so cooperative on every step of completion. Will definitely use B2B for my next big loan switch, it has saved me over 60k and for sure have done justice for using B2b. Truly satisfied. Recommend to anyone and everyone. Queri...