Asset Finance

An asset loan is a loan secured against an asset, such as machinery, vehicles, or property. If the borrower defaults, the lender can repossess or sell the asset to recover the loan.

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What types of asset finance are available?

  • Equipment Leasing

    This works like an extended rental agreement. The lender will buy the equipment and then lease it to you for a fee. You can then use the equipment as needed and will be responsible for its maintenance and upkeep, but you never actually own the item. This type of leasing arrangement usually comes with a fixed interest rate and term, so you make the same repayments each month.

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  • Hire Purchase

    This works like an extended rental agreement. The lender will buy the equipment and then lease it to you for a fee. You can then use the equipment as needed and will be responsible for its maintenance and upkeep, but you never actually own the item. This type of leasing arrangement usually comes with a fixed interest rate and term, so you make the same repayments each month.

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  • Finance leases

    This works like an extended rental agreement. The lender will buy the equipment and then lease it to you for a fee. You can then use the equipment as needed and will be responsible for its maintenance and upkeep, but you never actually own the item. This type of leasing arrangement usually comes with a fixed interest rate and term, so you make the same repayments each month.

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  • Operating leases

    This works like an extended rental agreement. The lender will buy the equipment and then lease it to you for a fee. You can then use the equipment as needed and will be responsible for its maintenance and upkeep, but you never actually own the item. This type of leasing arrangement usually comes with a fixed interest rate and term, so you make the same repayments each month.

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  • Asset finance

    This works like an extended rental agreement. The lender will buy the equipment and then lease it to you for a fee. You can then use the equipment as needed and will be responsible for its maintenance and upkeep, but you never actually own the item. This type of leasing arrangement usually comes with a fixed interest rate and term, so you make the same repayments each month.

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Frequently asked questions

  • The loan amount is usually based on the market value of the asset, sometimes a percentage (e.g., 70–90%) of its current or resale value.

  • Asset loans are secured, meaning the lender has a legal claim over the asset until the loan is repaid.

  • Yes, in most cases: 

    Vehicles and equipment can usually be used in business operations. The lender may have conditions to protect the asset.

  • In some cases, interest payments may be deductible for business assets. Depreciation of the asset may also be a consideration for business tax planning.