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Asset Finance

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Asset Finance2024-05-08T09:24:39+01:00

Business Asset Finance: HP, Leasing & Refinance

Asset finance is a type of financing that allows businesses to purchase or lease equipment and machinery necessary for their operations. This type of financing is particularly beneficial for businesses that need expensive equipment but do not have the funds to purchase it outright. Instead, asset finance allows businesses to spread the cost of the equipment over a period of time, typically through monthly payments.

Asset finance can take many forms, including leasing, hire purchase, and asset-based lending. By utilizing asset finance, businesses can conserve their cash flow while still acquiring the equipment necessary to operate and grow their business.

Our process is quick & simple

How does business finance work?

1. Submit your business finance enquiry in 60s.

1. Submit your business
finance enquiry in 60s.

Using our very easy-to-use business finance application form, you simply complete the required information.

Using our very easy-to-use business finance application form, you simply complete the required information.

2. A chat about your business and goals.

2. A chat about your business and goals.

A Fundur Finance Expert will give you a call to discuss your application to assist you with your application.

A Fundur Finance Expert will give you a call to discuss your application to assist you with your application.

3. Our Finance experts Work Our Magic.

3. Our Finance experts Work Our Magic.

We then work with our board of partners and lenders to get your the possible rate available.

We then work with our board of partners and lenders to get your the possible rate available.

4. Your no-fuss finance is funded.

4. Your no-fuss finance is funded.

Once you’ve approved the rate you’re happy with, your funding is released to your bank account. Time to scale.

Once you’ve approved the rate you’re happy with, your funding is released to your bank account. Time to scale.

What Can I Use Asset Finance For?

  • Machinery
  • New Technology
  • Fitness Equipment
  • Premises Fit-Outs
  • Equipment
  • CCTV
  • Catering Equipment
  • Furniture
  • Vehicles
  • POS Systems
  • Vending Equipment
  • Air-Conditioning

Asset Finance FAQs

Can you provide asset finance for businesses outside of the UK?2023-08-24T12:47:43+01:00

At this time, Fundur focuses exclusively on providing asset finance solutions to businesses that are based within the United Kingdom. Regrettably, we do not offer our services to businesses located outside of the UK. Our commitment is to serve the UK market and offer tailored financial solutions to businesses within this region. If you’re a UK-based business seeking asset finance, we’re here to assist you in achieving your financial goals.

Are there any industry restrictions?2023-08-24T12:50:45+01:00

Fundur maintains a responsible lending approach and adheres to ethical standards. As a result, we have certain industry restrictions in place. We do not provide financial services to businesses involved in industries such as arms manufacturing, pornography, or tobacco production. These exclusions are in line with our commitment to supporting businesses that align with our values and ethical considerations. If you’re uncertain whether your business falls within these restrictions, our team is here to provide clarity and guidance on eligibility criteria.

What are the business advantages of asset finance?2023-08-09T16:30:25+01:00

Asset finance offers businesses the advantage of obtaining essential assets like equipment and technology without significant upfront costs, preserving working capital for other needs. With options such as leasing or hire purchase, businesses can choose flexible repayment plans that align with cash flow. Quick asset acquisition enhances operational efficiency and productivity, while lessors assuming asset-related risks protects against depreciation and obsolescence. Tax benefits and predictable monthly payments improve financial management. Moreover, asset finance supports business growth by enabling expansion, technology upgrades, and market entry. Overall, it optimizes asset utilization, fosters growth, and enhances competitiveness.

What are real assets?2023-08-11T16:26:25+01:00

Real assets are tangible physical assets with intrinsic value, such as real estate, infrastructure, natural resources, commodities, farmland, collectables, and equipment. They can generate income and appreciate over time. While they offer benefits like inflation hedging and diversification, they also have challenges like maintenance costs and potential market fluctuations. Careful consideration is needed before including real assets in an investment strategy.

What are financial assets?2023-08-10T12:27:21+01:00

Financial assets in the UK are tradable investments that hold value and represent claims to future cash flows. They are bought and sold to generate income and capital appreciation. Common types include stocks, bonds, mutual funds, ETFs, derivatives, savings accounts, CDs, REITs, government securities, corporate bonds, cash equivalents, private equity, cryptocurrencies, commodities, and structured products. These assets can be held in various accounts and are chosen based on individual goals and risk tolerance. It’s crucial to research and possibly seek professional advice before investing.

Hard Assets

Hard Asset Finance

Hard assets refer to physical or tangible assets that have intrinsic value and can be seen, touched, or quantified. These assets have a physical presence and typically represent something of value that can be owned, used, or traded. Some common examples of hard assets include:

  • Vehicles: Financing solutions for cars, trucks, buses, and coaches.

  • Machinery & Plant: Financing solutions for heavy equipment and agricultural machinery.

Hard assets are often considered more straightforward to evaluate and measure their worth since their value is based on physical characteristics and market demand. They can provide a store of value and serve as a hedge against inflation.

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Soft Assets

Soft Asset Finance

Soft assets, on the other hand, refer to intangible assets that do not have a physical presence but still hold value. These assets are often more challenging to quantify and can include:

  • Solar Panels
  • CCTV Systems
  • Modular Buildings
  • Warehouse / Storage Racking

  • Computers & IT Equipment
  • Scaffolding Equipment & Materials

  • Tooling, Small Attachments

Soft assets are typically based on ideas, concepts, or legal rights and can contribute significantly to the overall value and competitive advantage of a business. While they may not have a direct monetary value, they can generate revenue, enhance market position, and drive future growth.

The Benefits

How Asset Finance Can Help You

Preservation of Cash Flow

Instead of making a large upfront payment to purchase an asset outright, asset finance allows businesses to acquire the necessary equipment or assets while preserving their cash flow. It enables them to spread the cost over time through regular payments, making it easier to manage their working capital and allocate funds to other critical areas of the business.

Access To Equipment

Asset finance allows for the latest equipment & technologies without significant upfront costs. This is particularly beneficial in industries where equipment becomes quickly outdated or requires regular upgrades. By leasing or financing assets, businesses can stay competitive and maintain operational efficiency by using modern, high-quality equipment.

Flexibility & Customisation

Asset finance offers flexibility in terms of repayment structures and contract terms. Lenders often provide tailored solutions to match the specific needs and cash flow patterns of businesses. This allows borrowers to choose repayment schedules, such as monthly, quarterly, or seasonal payments, that align with their revenue generation cycles and business requirements.

Preservation of Credit Lines

Opting for asset finance helps businesses preserve their existing credit lines, such as bank loans or lines of credit, for other purposes. By not tying up their credit capacity in purchasing assets, businesses can maintain financial flexibility and have access to credit when needed for operational expenses, expansion, or unforeseen circumstances.

Tax Benefits

Depending on the jurisdiction and specific regulations, advantages can be provided. Lease payments are often treated as operating expenses, which may be tax-deductible, reducing the overall tax liability for the business. It’s important to consult with professionals or accountants to understand the specific tax implications and benefits applicable to your situation.

Risk Mitigation

In some cases, asset finance arrangements can include maintenance and servicing contracts, providing businesses with additional peace of mind. This can help mitigate the risks associated with asset ownership, as the responsibility for repairs, maintenance, and equipment obsolescence may be transferred to the lessor or financing company.

Overall, asset finance offers businesses and individuals the ability to acquire and use necessary assets while managing their cash flow effectively, accessing up-to-date equipment, and maintaining financial flexibility. It’s crucial to carefully evaluate the terms, costs, and conditions of asset finance options to ensure they align with the specific needs and financial objectives of the borrower.

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