Business Asset Finance Loans up to £X Million
Secure asset finance loans in as little as 24 hours, taking advantage of our huge lender portfolio and decades of experience securing the best asset finance for business growth.
- 1,100+ five-star reviews.
- £5.4 billion funded.
- 140+ market-leading lenders.
- Manual underwriting.
- 24-48hr average approval.
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Call us on 0191 814 3300How to secure market-leading asset finance loans for your business
Once you choose Anglo Scottish for your business asset finance, your path to securing leading asset-based finance terms is as easy as can be.
Step 1
Talk To Us
Tell us about your business and the asset you wish to acquire.
Step 2
Get Approved
We will reach out to our panel of lenders on your behalf to gain approval.
Step 3
Sign
Once approved, we’ll send you your documents to sign and transfer payment to your asset supplier.
Step 4
Benefit
Start reaping the benefits of your new asset and we’ll take care of the rest.
Why choose Anglo Scottish as your asset finance providers?
Anglo Scottish asset finance brokers give UK businesses access to a wider panel of lenders than leading high-street banks, with 140+ asset finance lenders and manual underwriting, rather than…
Read MoreWhat is asset finance?
Asset finance — sometimes called asset-based lending — lets your business spread the cost of an asset over an agreed period, rather than paying upfront. It’s a flexible alternative to a traditional bank loan.
Where a bank assesses your creditworthiness, asset finance is secured against the asset itself — meaning it’s often more accessible, and typically faster to process.
It can be used for both new and used assets, making it a practical option for businesses of any size.
Hard asset
Hard assets are either tangible or a resource of significant value. Hard assets can include vehicles, plant equipment, machinery or even buildings themselves.
Soft asset
Soft assets have little or no resale value. Examples of commonly financed soft assets might include office equipment and furniture, electronics, computer hardware or software.
Asset finance agreements available through Anglo Scottish
Hire Purchase
Hire purchase is a type of finance that allows your business to spread the cost of a vehicle or asset.
Contract Hire
Contract hire is a popular way of financing cars and light commercial vehicles.
Operating Lease
An operating lease is an agreement that allows your business to use an asset for a fixed period without actually owning it.
Vendor Finance
A division of asset finance tailored to businesses which sell vehicles, machinery and equipment to other businesses.
Finance Lease
A finance lease is similar to an operating lease, in that you can use and benefit from an asset without ownership.
Asset finance case studies
Asset finance resource hub
Asset finance FAQs
Asset finance is hugely helpful for businesses with limited working capital to invest in the machinery or equipment that they need to grow. By spreading the cost of the purchase, rather than buying outright, the company’s cash flow is less significantly affected.
With an asset finance agreement, any guarantees are made against the asset itself. This means that you may be able to access asset finance even if your credit score is ‘bad.’
Learn how your credit score affects asset finance.
Hire purchase is commonly used for financing new or used vehicles, though it can be used to finance a wide range of assets. It is typically used for assets with a substantial upfront cost.
A lease is a form of asset finance, though it is just one of the many forms of asset-based lending we provide at Anglo Scottish. Contact us for more information if you’re unsure whether a lease is right for you.
Refutable asset finance companies and brokers are regulated. You should always opt for a company that is regulated by the FCA (Financial Conduct Authority). We are a licensed credit broker, authorised and regulated by the Financial Conduct Authority FRN 629574.
Asset finance agreements may be subject to varying interest rates. Find out more about asset finance interest rates.
Put simply, an on-balance sheet item is recorded on the company’s balance sheet. This means it is considered to be either an asset or a liability of the company, and can affect your business’s financial outlook.
If you want to own the asset at the end of the given payment period, it will be considered an on-balance sheet asset. Otherwise, if you’re just loaning the item for a given period of time before returning it, it will not appear on your company’s balance sheet.
A poor credit score is unlikely to prevent you from accessing asset finance through Anglo Scottish. Because finance is secured against the asset itself, rather than assessed solely against your business’s creditworthiness, our lenders can often accommodate businesses that have been declined elsewhere.
Your credit score may affect the specific terms available to you — such as interest rates or repayment periods — but our team manually underwrites every application, assessing each case on its individual merits, rather than running it through an automated credit check.
Yes, asset finance can be tax-deductible, though this will depend on the type of asset finance agreement and how it is structured.
Lease payments are typically fully tax-deductible, though capital allowances cannot be claimed – the leasing company claims capital allowances in this instance.
For hire purchases and other agreements involving ownership of your asset, you can typically claim capital allowances.
Our expert broker team will discuss this with you when establishing your business goals.
Contact us
Whether you need an asset finance arrangement to help spread the cost of soft assets like office furniture or hard assets like machinery or vehicles, we can help.
Our diverse portfolio of funders means that we can provide a varied range of finance agreements to suit you and your business – and we can help you get access as quickly as possible.
Need help? Call us on 0191 410 4776