Finance the Assets that Drive Your Growth

Complete our simple online application with basic business details. A Fundur finance expert will contact you to discuss your needs, then we approach our lender panel to secure suitable rates and terms. Once approved, funds transfer directly to your account.

Your business must be trading for at least 3 months with monthly revenue of £10,000 or more. We work with limited companies, sole traders, and partnerships across the UK, and support businesses where traditional banks may decline applications.

Yes, this is known as Asset Refinancing or Sale and Leaseback. If your business owns high-value equipment or vehicles outright, Fundur can help you use those assets as security to release a lump sum of cash back into your business for working capital or expansion. 

Most businesses can utilise the Annual Investment Allowance (AIA) to deduct the full value of qualifying plant and machinery from their profits before tax, up to a limit of £1 million per year. 

Additionally, interest payments on Hire Purchase and the full rental cost of a Finance Lease are typically tax-deductible.

Note: You should always consult with a qualified accountant regarding your specific tax position. 

Fundur connects you to 300+ lenders across the UK market, from high-street banks to specialist fintechs. Our technology finds the right match for your business in seconds, and our Milton Keynes-based team provides transparent, no-nonsense support throughout your journey.

Our technology provides alignment to suitable lenders within 30 seconds of application. Most clients receive funding decisions within minutes to days, with funds transferred to your bank account shortly after approval, significantly faster than traditional bank processes.

Commercial asset finance is a type of business lending used to acquire physical assets, such as vehicles, machinery, or equipment without the need for a large upfront cash payment. The lender purchases the asset on your behalf, and you repay the cost over a fixed term with interest. This allows businesses to spread the cost and preserve working capital.

As a specialist broker, Fundur facilitates financing for a broad range of "hard" and "soft" assets. This includes:

• Transport: Vans, HGVs, and fleet cars.
• Construction: Excavators, cranes, and plant machinery.
• Technology: Servers, software, and office IT infrastructure.
• Agriculture: Tractors and harvesting equipment.
• Medical: Diagnostic and dental equipment.

The primary difference lies in ownership and VAT treatment.

With Hire Purchase (HP), you typically own the asset after the final "option to purchase" fee is paid. You pay the full VAT upfront.

In a Finance Lease, the leasing company retains ownership, and you pay VAT on the monthly rentals. At the end of the term, you can usually continue to use the asset for a nominal fee or sell it and keep a percentage of the proceeds. 

While a strong credit profile offers access to lower interest rates, Fundur works with a diverse panel of UK lenders, some of whom specialise in "near-prime" or credit-impaired applications. Eligibility often depends on the type of asset being financed and the overall strength of your business's cash flow. 

High-street banks often have rigid lending criteria and limited product ranges. As a broker, Fundur has access to a wide panel of specialist lenders, many of whom do not deal directly with the public. We compare rates and terms across the market to find the most competitive deal tailored to your industry and credit profile, saving you time and potentially significant interest costs. 

Absolutely. Our smart technology aligns your business to suitable lenders within 30 seconds, providing indicative quotes. Limited company applications do not affect your credit score. We fully comply with GDPR 2018 and keep all client data secure throughout the process.