The Financial Conduct Authority (FCA) announced on 11 January 2024 that a review will be conducted in the vehicle finance market regarding Discretionary Commissions. We want to inform our customers that Anglo Scottish Asset Finance acts as a broker, not a lender, and if you believe you have been impacted by this issue, please contact your car finance lender. For further information, please click here

The Financial Conduct Authority (FCA) announced on 11 January 2024 that a review will be conducted

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Grow your Business with NFU Scotland Finance

NFU Scotland Finance

We’ve partnered with NFU Scotland to create NFU Scotland Finance, a dedicated division of Anglo Scottish to offer tailor-made business finance solutions to NFU Scotland’s 9000+ members.


Supporting Scotland’s Farmers and Crofters

NFU Scotland Finance will offer tailored loans, commercial mortgages, asset finance, business credit cards, and refinancing opportunities to NFU Scotland members.

NFU Scotland members can see more information at NFU Scotland members benefits

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Need help? Call us on 0191 410 4776


Asset finance is a flexible funding solution for agricultural businesses to access equipment machinery and vehicles they require to help their business grow, without compromising cashflow.

It can be used to fund both new and used assets including, machinery, vehicles, technology, and many other tools.


Hard Assets: A hard asset refers to a tangible asset or resource with significant value. Examples of hard assets are vehicles, machinery, and plant equipment.

Soft assets: Soft assets are those generally differentiated from hard assets such as plant and machinery, vehicles, and commercial property, but which typically have little or no resale value, including I.T equipment, security equipment, catering equipment, and many more.



  • Tractors
  • ATV & RTV’s
  • Grassland Machinery
  • Cultivation Machinery
  • Livestock Feed Systems
  • Equestrian Equipment & Horseboxes
  • Buildings & Land
  • Livestock
  • Commercial Vehicles
  • Solar Panels & Heat Pumps
  • Drilling & planting machinery
  • Harvest machinery
  • Livestock handling systems
  • Grading lines
  • Farm security
  • Food processing units
  • & many more


Hire Purchase

Hire Purchase (HP) is a type of finance that allows your business to buy vehicles or assets outright without having to pay the whole amount in one go. Hire purchase allows your business to spread the cost of your investment over the life of the asset, making it easier to budget.

Operating Lease

An Operating Lease is an agreement that would allow your business to use an asset for a fixed period, but you won’t own the asset. It is a form of “off-balance-sheet financing” that allows businesses to use assets over a fixed time period without the responsibilities of ownership.

Finance Lease

A Finance Lease is similar to an Operating Lease, in which you can use and benefit from an asset without ownership, but the main difference is that with a Finance Lease, the asset does appear on the balance sheet of your business.


In addition to traditional asset financing, we can also offer refinancing or capital release. Refinancing your business assets is a quick and efficient way to access equity from your existing assets to use elsewhere within your business.

Commercial Lending

We offer a range of commercial lending solutions which include; business loans, commercial mortgages, bridging finance, development finance, commercial credit cards, and trade finance.

Green Finance

Make your business more sustainable with green energy finance agreements for solar panels, wind turbines and more from Anglo Scottish.


Spread the cost and manage cashflow

Help manage seasonal payment cycles

Access the latest machinery & equipment

Access capital tied up in machinery with refinancing options

To find out more and to discuss our Asset Finance & Commercial
Finance Solutions, get in touch with Andrew Laird and the NFU Scotland Finance team:

Tel: 0191 814 3311

Email: nfuscotlandfinance@angloscottishfinance.co.uk


In addition to typical Asset Finance, we are also able to offer comprehensive vehicle finance at exceptionally low rates. This includes:

Car Finance

We offer competitive rates on both new and used cars, so whether you’re looking for a practical family car, a “hot hatch”, or a reliable SUV, we can help.

Caravan, Motor home, and Campervan Finance

If you’re looking for a caravan, campervan, motor home, or even a luxury lodge, we can help. We have a number of caravan and motorhome finance options to suit all requirements.

Motorcycle Finance

Whether you’re looking to beat the traffic on your morning commute, tear around racecourse on track days, or explore the countryside on a touring bike, we can help with motorcycle financing options.

Prestige Car Finance

We’re experts in funding vehicles from £25,000 all the way up to £1 million and above and offer bespoke packages and tailored support to assist you throughout the buying process.


asset how it works_1 decide

Decide on the asset you need to help your business grow


asset how it works_2 talk

Talk to us, tell us about your business and the asset you wish to acquire


asset how it works_3 reach

We will reach out to our panel of lenders on your behalf to gain approval


asset how it works_4 sign

Sign your document, once approved well send your documents to sign. After which we will transfer payment to your asset supplier

Final Checks

asset how it works_5 final checks

We’ll do a final check to make sure everything is running smoothly, and you can start reaping the benefits of your new asset