Equipment Finance: Fast Quotes for Businesses in England, Scotland & Wales

Short answer: Yes — UK Business Loans connects businesses across England, Scotland and Wales with finance providers that offer equipment finance. Complete a short, no‑obligation enquiry and we’ll match your business (from a minimum of £10,000 finance) to lenders or brokers who specialise in funding machinery, vehicles and specialist kit. Get Quote Now

Get Quote Now — Free Eligibility Check. Subject to status. Terms apply.

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Quick answer: Do our partners provide equipment finance across England, Scotland & Wales?

Yes. Through our network of specialist brokers and lenders we can arrange introductions for equipment finance to businesses operating anywhere in England, Scotland and Wales. We match your enquiry to providers who routinely fund new and used machinery, vehicles and specialist equipment for sectors such as construction, agriculture, hospitality, healthcare and manufacturing. We are an introducer — we do not lend. All funding offers you receive come directly from the lender or broker you choose to deal with. Free Eligibility Check.

What “equipment finance” covers

Equipment finance is the general term for ways to fund business assets so you can use them now and pay over time. Common structures include hire purchase, finance leases, operating leases, sale‑and‑leaseback, asset refinance and vendor/manufacturer finance.

• Typical assets: construction machinery, agricultural tractors and attachments, commercial kitchen & catering equipment, medical devices and diagnostic kit, IT hardware and telecoms, printers and production lines, specialist manufacturing machinery, and vehicle fleets.
• New and used equipment: many providers will fund good‑quality second‑hand assets; terms and rates may vary depending on age and condition.
• Extras covered: installation, warranty extensions, software licences and fitting costs are often included in a single finance package where the lender permits.
• Further reading: for a detailed overview of product types see our equipment finance guide at equipment finance.

Geographic coverage and partner network

UK Business Loans works with a wide panel of lenders and brokers who operate nationally and regionally. That means we can match you with organisations that have expertise in your local market, plus sector specialists who regularly finance the types of equipment your business needs.

• England — nationwide coverage including regional hubs (London, Manchester, Birmingham, Leeds, Bristol and more). We can prioritise providers who understand local supply chains and sector demand.
• Scotland — access to brokers and lenders experienced in Scottish projects, including Glasgow, Edinburgh, Aberdeen and the Highlands, with knowledge of sector grants and regional procurement cycles.
• Wales — coverage across Cardiff, Swansea and towns nationwide; our partners understand Welsh market dynamics for agriculture, manufacturing and hospitality.

When you submit a postcode we use it to find the most appropriate partners — this helps ensure you speak to firms familiar with your area and sector. Get Quote Now.

Who can apply and typical eligibility

We introduce companies and organisations (not lenders). Typical applicants include:

• Limited companies and limited liability partnerships (LLPs)
• Established SMEs and growing businesses
• Franchisees and multi‑site operators
• Start‑ups with a clear business plan and demonstrated ability to service repayments

Minimum finance works from around £10,000 upwards. Typical eligibility criteria used by lenders/brokers include:

• Trading history — many lenders prefer 12+ months trading, though specialist schemes exist for newer businesses.
• Turnover and profitability — used to size the facility and structure repayments.
• Credit profile — personal and business credit histories are considered; some providers specialise in imperfect credit cases.
• Asset use and life — lenders assess expected working life and residual value; older assets may need different structures or a higher deposit.
• VAT status — for tax treatment and repayment calculations.

If your business has seasonal income, recent setbacks or an unusual ownership structure, tell us in your enquiry so we can match you with the right specialist. Free Eligibility Check.

Equipment finance options explained

Hire Purchase (HP)

Hire purchase lets you spread the cost of full ownership. You pay a deposit then monthly instalments; ownership transfers after the final payment. Pros: predictable payments and eventual ownership. Cons: you usually carry maintenance and residual risk.

Finance Lease vs Operating Lease

Finance lease: similar to hire purchase but the lender owns the asset and you take on most of the economic risks. At term end you often have a purchase option.

Operating lease: a rental arrangement where the lender retains asset ownership and may take responsibility for remarketing. Useful if you prefer off‑balance‑sheet treatment and frequent upgrading.

Asset Refinance & Sale‑and‑Leaseback

If you already own equipment, sale‑and‑leaseback releases cash tied up in assets while letting you keep using them. Asset refinance frees working capital and can improve cashflow.

Vendor / Manufacturer Finance & Short‑term Hire

Many manufacturers offer competitive vendor finance for new purchases; short‑term hire can bridge immediate needs or cover seasonal demand.

Which option suits which sector?

• Construction & plant hire: HP or finance lease for long‑life machines; operating leases for short‑term fleets.
• Agriculture: tailored HP or seasonal arrangements for tractors and specialist attachments.
• Healthcare: leases that include maintenance agreements and upgrade options for medical devices.
• Hospitality & catering: vendor finance for kitchen fit‑outs; operating leases for frequent refresh cycles.

Choosing the right structure depends on cashflow, tax position and whether you want ownership at term end. Our introducer partners can explain pros and cons. Get Quote Now.

Typical costs, terms and repayments

Costs and terms vary by product, asset type and your business profile. Key factors affecting price:

• Term length — shorter terms usually mean higher monthly payments but lower total interest.
• Asset age and residual value — newer equipment often attracts better rates and longer terms.
• Deposit size — larger deposits reduce the financed amount and monthly cost.
• Credit profile — stronger profiles secure better rates and options.
• Tax treatment — leasing and HP have different VAT/ capital allowances implications; speak to your accountant.

Illustrative guidance: short‑term rental or operating lease might suit a 12–36 month need; HP and finance leases commonly run 24–60 months or longer for heavy plant. Exact APRs and total cost illustrations will be provided by the lender or broker when they assess your case — offers are subject to status and lending criteria.

How UK Business Loans helps

We streamline the search and comparison process so you get focused, relevant responses quickly. Our typical process:

1. Complete a short enquiry (company name, contact, postcode, industry, estimated finance amount, equipment description).
2. We match your details to suitable lenders and brokers in our panel — prioritising sector and regional specialists.
3. Selected partners contact you to request any documents and provide indicative quotes (often within hours during business days).
4. Compare offers, discuss terms with providers and decide whether to proceed to formal application.

Important: UK Business Loans is an introducer — we do not provide credit ourselves. We will pass your enquiry to selected partners who may contact you with offers. Submitting an enquiry does not commit you to accept any offer. Start Your Enquiry.

Compliance, fairness & transparency

We act as an introducer — not a lender. That means:

• We connect you with lenders and brokers who supply finance products; any contract or credit decision is between you and the chosen provider.
• Quotes are provided by the lenders/brokers and are subject to their lending criteria and credit checks. Subject to status. Terms apply.
• We aim to be clear and not misleading. Initial enquiries are non‑binding and will not affect your credit score; lenders may perform formal credit checks later should you apply.

Your details are used only to match you with suitable partners — see our privacy policy for full information. Free Eligibility Check.

How to get started

Ready to explore equipment finance? Complete our short enquiry form (takes less than 2 minutes). Tell us what you need and a few business details — then we’ll match you to providers who are a good fit. Expect contact from partners often within hours during business times.

Get Quote Now — Quick, no‑obligation eligibility check. Minimum enquiries from £10,000.

Frequently asked questions

Do you directly lend money for equipment?

No. UK Business Loans is an introducer. We match your enquiry to lenders and brokers who supply equipment finance.

Which parts of the UK do you cover?

We cover England, Scotland and Wales. Provide your business postcode in the enquiry so we can match you with the most relevant regional and sector specialists.

Can new businesses apply?

Yes — some lenders and brokers specialise in start‑ups and early stage companies. Outcomes depend on trading history, projected cashflow and the asset being financed.

Can I finance second‑hand equipment?

Yes. Many providers will fund used equipment, subject to age, condition and expected residual value. Older assets may require different terms or a larger deposit.

Will enquiring affect our credit score?

No — submitting an initial enquiry via our site will not affect your credit score. Lenders may carry out credit checks if you proceed with a formal application.

What documents are usually required?

Common documents: company accounts or management accounts, VAT registration (if applicable), business bank statements, ID for directors, and quotes or invoices for the equipment. Exact requirements vary by provider.

How long until lenders contact me?

Often within a few hours during business days; more complex or larger deals can take longer. We’ll match you to partners who can respond quickly and appropriately.

What if I have imperfect credit?

Tell us in the enquiry. We work with brokers who specialise in non‑standard credit profiles and can advise on realistic options and potential trade‑offs.

How much can I borrow for equipment?

We handle enquires from around £10,000 upwards. Our partners can structure deals from modest amounts to multi‑hundred‑thousand pound financing for larger projects.

Ready to compare equipment finance quotes?

Complete a short enquiry and we’ll match you to lenders and brokers who can provide fast, no‑obligation quotes and a free eligibility check. Start your enquiry now and receive targeted responses from providers best suited to your business and region.

Get Quote Now — Free Eligibility Check. Subject to status. Terms apply.

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equipment finance

1. Do you lend money for equipment or just help find finance?
No — UK Business Loans is an introducer that matches your business with specialist lenders and brokers who provide equipment finance and free eligibility checks.

2. Which parts of the UK do you cover for equipment finance?
We match businesses across England, Scotland and Wales to regional and national lenders and brokers based on your postcode and sector.

3. What types of equipment and assets can be financed?
Providers we work with routinely fund machinery, commercial vehicles and fleets, medical and diagnostic kit, catering and hotel equipment, IT/telecoms, production lines and other specialist plant.

4. What is the minimum finance amount you handle?
We typically handle equipment finance enquiries from around £10,000 upwards.

5. Will submitting an enquiry affect our business credit score?
No — submitting an initial enquiry via our site is non‑binding and will not affect your credit score; lenders may perform formal checks later if you apply.

6. Can start‑ups or businesses with imperfect credit get equipment finance?
Yes — some lenders and brokers on our panel specialise in start‑ups and non‑standard credit profiles, though outcomes depend on trading history, cashflow and the asset.

7. Can I finance second‑hand equipment or include installation and software costs?
Yes — many providers will fund good‑quality used equipment and often allow installation, warranty extensions or software licences to be included in the finance package, subject to age and condition.

8. What equipment finance options are available and how do they differ?
Common options include hire purchase (ownership after final payment), finance leases (lender owns asset, you retain economic risk), operating leases (rental/upgrade focus), sale‑and‑leaseback and vendor/manufacturer finance, each varying by ownership, balance‑sheet treatment and flexibility.

9. How quickly will lenders or brokers contact me with quotes?
Selected partners often respond within hours on business days, with more complex or larger deals taking longer to assess.

10. What documents or information should I have ready to get an accurate quote?
Typical requirements include company accounts or management accounts, recent business bank statements, VAT registration (if applicable), ID for directors, and supplier quotes or invoices for the equipment.