Asset finance by industry — Construction, Manufacturing, Logistics, Agriculture and more

Summary: UK Business Loans helps UK companies secure asset finance for most sectors that rely on machinery, vehicles, equipment or capital assets. We connect businesses (from established SMEs and multi-site operators to specialist firms) with lenders and brokers able to arrange funding of £10,000 and upwards for plant, vehicles, production equipment, renewables and more. Complete a short, free enquiry for a fast eligibility check and tailored quotes: Get Quote Now. We are an introducer — not a lender and we do not provide financial advice.

We arrange introductions to lenders and brokers who can offer asset finance solutions; submission of an enquiry is no obligation and will not itself affect your credit score.

Why industry matters for asset finance

Lenders and brokers price, structure and approve asset finance based on three core things: the asset type, how the asset is used, and the sector risk profile. Specialist lenders know the depreciation profiles of construction plant, the resale values for agricultural machinery, and the seasonality of farming cashflow — and they can therefore offer faster decisions and more competitive terms. Matching your enquiry to a sector specialist increases the chance of a smooth, timely outcome.

Which industries we cover

Short answer: most sectors that use capital assets. Below are the core industries UK Business Loans routinely helps with asset finance. If your sector isn’t listed, still complete the short enquiry — we work with lenders and brokers covering a very wide range of UK industries.

Construction

• Typical assets: excavators, dumpers, cranes, telehandlers, compactors, site lighting, scaffolding.
• Common finance types: hire purchase, finance lease, operating lease, refinance of existing plant.
• What lenders look for: pipeline of contracts, evidence of repeat work, maintenance records and VAT treatment for plant hire.
• Use-case: fund additional plant to bid for a new contract without using cash reserves.

Manufacturing & Engineering

• Typical assets: CNC machines, presses, tooling, conveyors, robotics, production lines.
• Common finance types: equipment finance, lease-to-own, capex loans, vendor finance.
• What lenders look for: order book, production schedules, asset valuation and warranty details.
• Use-case: modernise production to increase throughput while preserving working capital.

Logistics, Transport & Fleet

• Typical assets: HGVs, vans, refrigerated trailers, forklifts, racking and warehouse handling equipment.
• Common finance types: vehicle hire purchase, fleet leasing, chattel mortgages.
• What lenders look for: operator licences, maintenance history, mileage and utilisation data.
• Use-case: refresh a fleet to cut operating costs and meet new emissions standards.

Agriculture & Farming

• Typical assets: tractors, combines, loaders, precision-ag kit, dairy equipment, irrigation systems.
• Common finance types: seasonal asset finance, hire purchase, specialist agri-lender packages.
• What lenders look for: farm accounts, subsidy and grant history, seasonality of income and resale values.
• Use-case: buy harvesting equipment ahead of season and spread the cost through the year.

Healthcare, Dental & Care Services

• Typical assets: diagnostic machines, sterilisation units, beds, mobility aids and IT systems.
• Common finance types: equipment leasing, VAT-efficient funding options.
• What lenders look for: registration with regulators, service contracts and asset life cycles.
• Use-case: replace ageing diagnostic kit to increase patient throughput.

Hospitality, Hotels & Catering

• Typical assets: commercial kitchen equipment, laundry machines, chillers, boilers and fit-out works.
• Common finance types: equipment lease, fit-out finance.
• What lenders look for: occupancy/booking trends, management accounts and seasonal trading patterns.
• Use-case: fund a kitchen refit without reducing operating cash.

Retail & E‑commerce

• Typical assets: POS systems, shelving, packing lines, delivery vans and fulfilment technology.
• Common finance types: vendor finance, asset-backed loans, leasing.
• What lenders look for: sales history, stock turn rates and marketplace performance data.
• Use-case: scale fulfilment for peak seasons without delaying investment.

Sustainability & Renewables

• Typical assets: solar PV, battery storage, EV chargers, efficient HVAC and heat pumps.
• Common finance types: green asset finance, energy performance contracts, leasing.
• What lenders look for: projected energy savings, installation plans and ROI modelling.
• Use-case: install solar or EV charging with repayments that align to savings.

Printing, Packaging & Food Production

• Typical assets: presses, ovens, slicers, conveyors and packaging lines.
• Common finance types: specialist equipment finance, refinancing for upgrades.
• What lenders look for: hygiene certifications, throughput data and supply contracts.
• Use-case: add a packaging line to fulfil a large B2B contract.

Trades & Building Services

• Typical assets: vans, compressors, diagnostic tools, mobile plant.
• Common finance types: vehicle finance, hire purchase for plant and tools.
• What lenders look for: contracts, references and recent business bank statements.
• Use-case: purchase a specialist service van and spread the cost over an agreed term.

SMEs & Multi-site operators

• Typical assets: mixed fleets, multi-site equipment rollouts, centralised IT and machinery.
• Common finance types: multi-asset packages, staged hire purchase.
• What lenders look for: management experience, consolidated forecasts and site-by-site deployment plans.
• Use-case: stage equipment purchases across sites to expand services with predictable cashflow.

For a plain explanation of asset finance product options and which fits your industry best, see our page on asset finance.

How asset finance is commonly structured

Different structures suit different businesses and asset types. Typical options include:

• Hire purchase: spread the cost; ownership typically transfers after the final payment.
• Finance lease: lower initial payments; often used where ownership is not required immediately.
• Operating lease: rental model for short-life or frequently replaced assets.
• Refinance: release cash by refinancing existing equipment assets.
• Vendor / manufacturer finance: supplier-backed packages that sometimes include installation and warranty cover.

Your matched lender or broker will explain tax, balance-sheet and cashflow implications — UK Business Loans introduces you; we do not provide financial advice.

Why choose UK Business Loans for sector-specific asset finance

• Fast matching: we pair your enquiry to lenders or brokers with relevant sector experience.
• Free, no-obligation enquiries: only proceed if a quote meets your needs.
• Appropriate for deals from £10,000 upwards: we specialise in meaningful asset investments.
• Time-saving: avoid contacting many lenders — we route your details to the best-fit partners.

Free Eligibility Check — Get Quote Now

What lenders commonly ask for

Having these documents ready speeds the process:

• Short description and cost of required asset(s) and expected delivery/installation dates.
• Business bank statements (usually 3–6 months).
• Management accounts or last filed accounts.
• Proof of ID for company directors and registered company details.
• Purchase orders, quotes or contracts where available.
• VAT registration number if applicable.

Supplying clear asset specifications and expected usage helps lenders value the asset accurately and quote competitively.

How to apply via UK Business Loans (quick process)

1. Complete the short enquiry form (takes under 2 minutes): Get Quote Now.
2. We match your details to lenders/brokers specialising in your sector and asset type.
3. You’ll receive contact and a tailored quote — no obligation.
4. Choose the best offer and progress directly with the lender/broker.

We are an introducer — not a lender and we do not provide financial advice. Submitting an enquiry will not affect your credit score.

Frequently asked questions

Do you lend directly?

No. UK Business Loans introduces businesses to lenders and brokers who can provide asset finance.

Which industries typically get the best terms?

Specialist lenders often offer competitive terms where they understand the asset and sector — construction, manufacturing and logistics commonly benefit from dedicated asset lenders, as do agri and renewables when lenders understand seasonal cashflow and grant support.

How long until I get a quote?

Simple enquiries often receive contact within hours; complex deals (multi-asset or bespoke projects) may take longer to price accurately.

What is the minimum deal size?

We typically arrange asset finance for transactions of £10,000 and above.

Will submitting an enquiry affect my credit score?

No — submitting the enquiry to UK Business Loans does not impact your credit score. Lenders may carry out checks later in the process.

Ready to fund the assets your business needs?

Complete a short, free enquiry and we’ll match you with lenders and brokers who understand your industry and asset type. Fast quotes, no obligation — get the funding you need without searching dozens of providers: Get Quote Now.

1. What is UK Business Loans and do you lend money directly?
No — UK Business Loans is a free introducer that matches UK businesses to FCA-regulated lenders and brokers; we do not lend or provide financial advice.

2. How do I get asset finance for machinery, vehicles or equipment?
Complete the short, free enquiry and we’ll match your business to specialist lenders and brokers who can quote for asset finance such as hire purchase, leases or vendor finance.

3. Will submitting an enquiry affect my credit score?
No — submitting an enquiry to UK Business Loans does not affect your credit score; lenders may carry out checks only if you progress an application.

4. What minimum deal size do you arrange for asset finance?
We typically arrange asset finance and business loans from around £10,000 upwards, with larger facilities available through our lender network.

5. How quickly will I receive quotes or lender contact?
Many enquiries receive contact and tailored quotes within hours, although complex multi-asset or bespoke deals can take longer to price.

6. Which industries get the best asset finance terms?
Sector specialists often offer the most competitive terms — construction, manufacturing, logistics, agriculture and renewables commonly benefit when lenders understand the asset and sector risk profile.

7. What documents and information do lenders usually require?
Lenders typically ask for asset specifications and cost, recent business bank statements, management or filed accounts, director ID, and purchase orders, quotes or contracts where available.

8. What types of asset finance are available for businesses in the UK?
Common structures include hire purchase, finance leases, operating leases, vendor/manufacturer finance and refinancing of existing equipment, each affecting ownership and cashflow differently.

9. Can start-ups or businesses with imperfect credit access asset finance?
Yes — some lenders and brokers in our network specialise in start-ups or businesses with adverse credit, though eligibility and terms depend on the lender’s criteria and the asset offered as security.

10. How do I apply and what happens after I submit the enquiry?
Complete the under-two-minute enquiry form, we’ll match you to relevant lenders and brokers, you’ll receive no-obligation quotes, and you decide which offer to progress directly with the chosen partner.