Asset Finance
Invest in Equipment. Preserve Cash Flow. Drive Productivity.
Acquire the equipment, machinery or vehicles your business needs without a large upfront capital outlay. The asset itself secures the finance.
About Asset Finance
What is asset finance?
Asset Finance provides a structured way to acquire the equipment, machinery or vehicles your business needs, without the burden of a large upfront capital outlay. The asset itself serves as security for the finance, enabling competitive rates and flexible repayment structures.
From manufacturing plant and commercial vehicles to IT infrastructure and office equipment, this form of finance supports businesses across all sectors in maintaining operational efficiency and competitive advantage.
Adviser tip. Lenders assess affordability differently depending on your sector and trading history. A short conversation with an adviser upfront can save time by pointing you straight towards lenders likely to say yes.
Key Features
What you can expect
The headline terms currently available through our asset finance panel.
Funding Amounts
£2,500 to £2 million+, matched to the asset you need to acquire.
Asset Range
Plant, machinery, commercial vehicles, IT, medical equipment, agricultural machinery and more.
Repayment Terms
1 to 7 years, aligned with the productive life of the asset.
Ownership Options
Hire Purchase, Finance Lease or Operating Lease structures are all available.
How It Works
Four Clear Steps to Your Funding
We handle the complexity so you can focus on running your business.
Tell Us Your Need
Share which equipment, vehicle or machinery you're looking to acquire, and your budget.
Advisor Assessment
A dedicated adviser reviews your cashflow and balance sheet to recommend the right structure.
Matched Solutions
We present suitable Hire Purchase, Finance Lease or Operating Lease options from our panel.
Funding Secured
Once agreed, funds are released to acquire the asset, with clear, transparent documentation.
Is This the Right Fit?
When to consider asset finance
This facility is ideal for businesses that:
Require essential equipment but wish to preserve working capital
Prefer fixed, predictable monthly payments to aid budgeting
Need to upgrade or replace assets to remain competitive
Want to match repayment terms to the asset's productive life
Suitability depends on the asset type and your business's financial profile. Speak to an adviser for guidance specific to your business, there's no obligation.
Types of Asset Finance
Choose the structure that fits
Three common ways to finance equipment, vehicles and machinery.
Hire Purchase (HP)
Pay a deposit followed by fixed monthly instalments. Once all payments are made, ownership of the asset transfers to you.
Finance Lease
Lease the asset for an agreed period, with rentals reflecting its depreciation. At the end, extend the lease, return the asset, or sell it on behalf of the lender.
Operating Lease
Suited to assets that depreciate quickly or need regular upgrading, such as IT or company cars. You pay a rental, often with maintenance included.
Why Choose Nexora
Structured Around Your Equipment Needs.
We assess your equipment requirements, cashflow and balance sheet to recommend the most appropriate structure, drawing on specialist asset financiers who understand the nuances of different asset classes and sectors.
Advisor-Led Approach
A dedicated adviser guides you personally, not an automated system.
Honest, Clear Guidance
We explain the trade-offs plainly, including where a product isn't the right fit.
Fast, Confidential Process
We respect your time and privacy throughout the enquiry.
No Obligation
Initial advice is free, with no pressure to proceed.
Free consultation. No obligation. No hidden fees.
FAQs
Asset finance questions we're asked often
A broad range, including plant, machinery, commercial vehicles, IT equipment, medical equipment and agricultural machinery.
Related Finance Solutions
Explore other funding routes
Asset finance isn't the right fit for every situation. Here are other options worth considering.
Secured Business Loans
Larger funding amounts secured against business assets or commercial property.
Learn moreUnsecured Business Loans
No collateral required. Quick access to funds for operational needs and growth.
Learn moreMerchant Cash Advance
Access fast funding based on your card turnover with flexible repayments.
Learn moreInvoice Finance
Release cash tied up in outstanding invoices to maintain steady cashflow.
Learn moreReady When You Are
Finance Your Next Equipment Investment
Talk to our commercial finance advisers today. It's free, confidential and with no obligation.