Asset Finance
Alternative financial methods to acquire business assets without using working capital.
Most businesses rely on assets — vehicles, plant and machinery, IT equipment, office furniture, and specialist tools — to operate and grow. Purchasing these assets outright can place significant strain on working capital and cash flow, particularly for growing businesses investing in expansion.
Asset finance provides an alternative: spreading the cost of acquiring or using business assets over their useful life, preserving your cash for revenue-generating activities. Aberdeen Corporate Finance works with a broad panel of specialist asset finance providers to source the most competitive and appropriate solution for your specific needs.
Why Use a Broker for Asset Finance?
Asset finance is one of the most competitive areas of commercial lending, with dozens of specialist providers offering very different rates, terms, and criteria. The best deal for a fleet of commercial vehicles is unlikely to come from the same lender that offers the best terms for IT equipment or manufacturing plant.
Aberdeen Corporate Finance knows which lenders specialise in which asset classes, which offer the most competitive rates, and which have the most flexible approach to credit quality, asset age, and deal structure. We do the comparison work for you, ensuring you get the right product from the right lender at the right price.
Our Asset Finance Services
Hire Purchase (HP)
The most popular form of asset finance. You make fixed monthly payments over an agreed term (typically 2–5 years) and own the asset outright at the end. The asset appears on your balance sheet and you can claim capital allowances, including the Annual Investment Allowance.
Finance Lease
The finance company purchases the asset and leases it to you for an agreed period. You have full use of the asset and are responsible for maintenance, but the finance company retains ownership. Rentals are typically tax-deductible as a business expense.
Operating Lease & Contract Hire
Ideal for assets that depreciate quickly or where you prefer not to own the asset. You pay a fixed monthly rental, often including maintenance, and return the asset at the end of the agreement. Popular for vehicles, IT equipment, and technology that requires regular upgrading.
Sale & Leaseback
Release capital tied up in existing assets by selling them to a finance company and leasing them back. You retain full use of the equipment while freeing up cash for business growth, debt reduction, or other investment. An effective way to unlock hidden value in your asset base.
Commercial Vehicle Finance
Specialist finance for commercial vehicles including vans, HGVs, trailers, and fleet vehicles. We access dedicated vehicle finance lenders who understand residual values and offer competitive rates, balloon payments, and seasonal payment structures for transport businesses.
Plant & Machinery Finance
Funding for heavy plant, manufacturing equipment, construction machinery, agricultural equipment, and specialist industrial assets. We work with lenders who have sector-specific expertise and can assess the residual value of specialist equipment accurately.
Key Benefits
When You Need Asset Finance
Vehicle Fleets & Transport
Finance cars, vans, HGVs, and specialist vehicles through hire purchase, contract hire, or operating lease — with flexible structures including balloon payments and seasonal adjustments for transport operators.
Plant & Construction Equipment
Fund excavators, cranes, loaders, and heavy plant through specialist lenders who understand construction sector asset values and can offer terms aligned to contract durations.
IT & Technology
Keep your technology current with operating leases that allow regular equipment refreshes. Finance servers, laptops, networking equipment, and software through structured lease agreements.
Office Fit-Out & Furniture
Spread the cost of office refurbishment, furniture, and fixtures over 3–5 years. Finance lease and hire purchase options mean you can create the workspace you need without a large upfront capital outlay.
Medical & Scientific Equipment
Specialist finance for dental chairs, imaging equipment, laboratory instruments, and other medical or scientific assets. We access lenders with healthcare sector expertise and appropriate residual value knowledge.
Releasing Capital from Existing Assets
If your business owns unencumbered assets, sale and leaseback arrangements can release significant capital while you retain full use of the equipment for your day-to-day operations.
How It Works
Tell Us What You Need
Provide details of the asset(s) you wish to finance — type, cost, supplier, and whether new or used. We also discuss your preferred structure (ownership vs. rental), term, and any budgetary constraints.
Quote Comparison
We obtain quotes from our panel of asset finance lenders, comparing rates, terms, and structures. We present you with the most competitive options and explain the differences between each product.
Application & Approval
We manage the application with your chosen lender. For straightforward cases, decisions can be received within 24–48 hours. We handle all documentation and keep you informed throughout.
Delivery & Payment
Once approved, the finance company pays the supplier directly and you take delivery of the asset. Your agreed payment schedule begins and we remain available for any queries during the life of the agreement.
Asset Finance at a Glance
Fastest Decision Time
Maximum Term Available
Asset Cost Financed
Important Notice: Aberdeen Corporate Finance Limited acts as a commercial finance broker and introducer. We are not a lender and do not make lending decisions. All asset finance facilities are subject to status, credit approval, and lender criteria. Rates, terms, and payment structures quoted are indicative and may vary depending on the asset type, borrower profile, and prevailing market conditions. Tax treatment depends on individual circumstances and may be subject to change. Aberdeen Corporate Finance Limited is not regulated by the FCA.
Need Asset Finance?
Whether you're financing vehicles, plant, IT equipment, or releasing capital from existing assets, contact us for competitive quotes.
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