Asset Finance
Finance equipment, vehicles, and machinery without depleting capital reserves.
What is Asset Finance?
Acquire the equipment, vehicles, plant and machinery your business needs without depleting cash reserves. We arrange hire purchase, finance leases, operating leases and refinance against existing assets — across hard and soft asset categories.
- Hire purchase & finance lease
- Operating lease and contract hire
- Sale & leaseback of existing assets
- Hard assets (vehicles, plant) & soft assets (IT, fit-out)
- Fixed monthly payments with tax-efficient structures
Our 4-step Asset Finance process
Asset & quote
Send us the supplier quote or invoice for the asset you want to finance.
Structure selection
We recommend HP, lease or contract hire based on tax position and cash flow.
Credit decision
Approval typically within 24–48 hours from a panel of asset finance specialists.
Pay supplier
Lender pays the supplier directly; you start fixed monthly payments.
Frequently asked questions
Can I finance second-hand or used assets?
Yes — most lenders fund used commercial vehicles, plant and machinery up to 7–10 years old.
What deposit is needed?
Typically 10–20% on hire purchase. Operating leases often require no deposit.
Can I refinance assets I already own?
Yes — sale and leaseback releases cash from owned assets while you continue to use them.
Other services you may need
Business Loans
Competitive rates from £10K to £10M for growth, acquisition or working capital.
Learn moreMortgages
Residential & commercial mortgages with access to exclusive lender panels.
Learn moreTrade Finance
Letters of credit, SBLC, and cross-border trade instruments for global commerce.
Learn moreYour Financial Future Starts Today
Join thousands of businesses and individuals who've transformed their financial reality with Quins Finance