Asset Finance
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What is Asset Finance?
Asset finance is a broad term for a range of financial products that allow businesses to acquire essential assets like machinery, vehicles, or equipment, rather than paying the full cost upfront. Instead of a standard loan, asset finance uses the purchased asset as collateral for the loan, or provides the asset through mechanisms like leasing.
Businesses make regular, affordable monthly payments over an agreed period, helping to conserve cash flow for other priorities, and can also use asset refinance to unlock capital from existing assets.
Benefits of Asset Finance
- Preserves Cash Flow: Spreading costs over time prevents a large upfront outlay, protecting your business's capital for other essential expenses.
- Access to Modern Assets: It allows businesses to access new, more advanced, or necessary equipment that they might not otherwise be able to afford.
- Flexibility: Various asset finance options are available, allowing businesses to choose an agreement that best suits their specific needs.
- Can Use Existing Assets: Asset refinance offers a way to generate cash by borrowing against the value of assets your business already owns.
Common Types of Asset Finance
Hire Purchase
You pay a deposit and then make regular payments, owning the asset at the end of the term.
Leasing (including Finance and Operating Leases)
You pay a regular fee to use the asset for an agreed period, similar to renting.
Refinancing/Capital Release
You borrow money against assets you already own.
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