Asset & Vehicle Finance
SME Finance Solutions
We support businesses across a wide range of SME finance sectors, from asset and vehicle finance to business loans, trade finance, government-backed lending, and invoice finance. Each funding solution is designed to meet a different commercial need, whether that is improving cash flow, funding growth, acquiring equipment, or supporting longer-term investment.
Asset & vehicle finance
What is it
Asset and vehicle finance helps businesses acquire essential equipment, machinery, plant, technology, or vehicles without needing to pay the full cost upfront. Instead of tying up working capital in a large purchase, the business spreads the cost over an agreed term.
Who uses it
This type of finance is commonly used by SMEs across a wide range of sectors, including construction, logistics, engineering, manufacturing, healthcare, retail, and professional services.
What it is used for?
Asset and vehicle finance is often used to fund:
- company cars and vans
- HGVs and specialist transport
- plant and machinery
- agricultural equipment
- manufacturing equipment
- office and IT equipment
- medical, dental, or specialist industry equipment
It is typically used by businesses that want to preserve cash flow while still investing in the tools, equipment, or vehicles needed to operate and grow.
SME finance Solutions – At a glance
- Asset & vehicle finance – Funding for equipment, machinery, cars, vans, and specialist vehicles, allowing businesses to spread the cost over time.
- Secured & unsecured business loans – Flexible business funding for working capital, growth, investment, and cash flow support, with or without security.
- Trade & supply chain finance – Finance that helps businesses pay suppliers, fund stock, and manage the gap between outgoing payments and incoming customer receipts.
- Government-backed loans – Lending supported by government schemes to help eligible businesses access finance for growth, investment, or stability.
- Buy to let mortgages – Mortgages for residential investment properties intended to generate rental income rather than owner occupation.
- Invoice finance – A way to release cash from unpaid invoices so businesses can improve working capital and maintain day-to-day liquidity.
SME Finance
We support businesses across a wide range of SME finance sectors. Each type of lending is designed for a different purpose, and choosing the right structure can make a significant difference to speed, flexibility, and long-term cost.
