Asset Finance
Flexible asset finance solutions to help your business acquire the equipment it needs to grow.
With Rise Funding, you can:
- Compare lenders, rates and fees
- Dedicated finance specialist assigned to you
- Funding in as little as 24 hours
Asset finance for your business
Asset finance allows you to spread the cost of essential equipment, machinery, vehicles or technology over manageable monthly payments. Instead of paying upfront, you can protect cash flow while accessing the assets you need to operate, expand or modernise your business.
We work with lenders offering hire purchase, finance leases and operating leases, with tailored solutions to match your cash flow and long-term business plans. Your dedicated finance specialist will help you compare options and choose the most suitable structure.
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Considering asset finance?
See whether asset finance is the right way to fund new equipment with a quick, two-minute application.
£0.00
* this interest rate is a 'flat rate' and not an APR. 6.9% rate and longest term are based on the absolute lowest risk businesses and do not include any lender arrangement fees that may apply. This calculator is purely for illustrative purposes only. Rates, terms and amounts will vary depending on your businesses circumstances.
What types of businesses can benefit from asset finance?
Asset finance is widely used across industries that rely on equipment or machinery. Common examples include:
Manufacturing
Funding for production machinery, tooling, robotics and specialised equipment.
Construction
Excavators, loaders, diggers, access equipment, power tools and other heavy machinery.
Transport
HGVs, vans, forklifts, warehouse equipment and fleet vehicles for logistics and distribution.
Agriculture
Tractors, harvesters, balers and other agricultural machinery.
Professional services and technology businesses
Asset finance can be used for IT systems, software, servers, office equipment and medical technology.
Why would I need asset finance?
Asset finance is useful for any business that requires large equipment purchases.
Spread the cost of expensive equipment
Instead of paying up front, asset finance lets you spread payments over time, keeping cash flow strong and predictable.
Access better, more reliable equipment
Leasing or hire purchase gives you access to higher-quality machinery that might be unaffordable as a lump sum.
Support business growth
If you need to expand operations, take on new contracts or upgrade outdated equipment, asset finance makes this possible without financial strain.
Preserve working capital
Keeping cash available for payroll, stock, marketing, or operational needs helps your business remain agile.
Flexible funding structures
You can choose between hire purchase, finance leasing or operating leasing depending on whether you want to own the asset or upgrade regularly.
When should a business consider asset refinance?
Asset refinance is where you can raise capital against assets your business already owns, either outright or with minimal existing finance. Instead of receiving funding to purchase an asset, you receive funding from an asset you already own.
If you want a deeper understanding of whether you should consider asset refinance, our full guide covers:
- Asset finance for SMEs
- Benefits of asset refinancing
- Risks and considerations
How to enquire about Asset Finance with Rise Funding
Get a free instant quote
Use our free instant quote tool to get an immediate answer for how much you could borrow.
Approval within 24 hours
From a two-minute application, you could get the exact funding you need in as little as 24 hours.
Loan terms from 3 months to 6 years
We can find you loans that fit any scenario, from quick cash flow fixes to long-term projects.
Rates from
6.9%
Our rates make our loans manageable and ideal for any business.
Our customer reviews
FAQs
The most frequently asked questions about asset finance.
The lender purchases the asset on your behalf, and you pay for it over time through fixed monthly repayments. Depending on the agreement, you may own the asset at the end (hire purchase) or return it and upgrade (leasing). The asset usually acts as security for the loan.
Most physical, tangible business assets can be financed. Common examples include machinery, vehicles, construction equipment, agricultural machinery, IT systems, commercial kitchen equipment and medical devices.
Yes. Since the asset itself is used as security, lenders often have more flexible criteria, making asset finance accessible for startups and growing SMEs.
Many lenders allow funding for used machinery or vehicles, depending on the asset type, age and condition.
We’ll help you secure the asset finance you need
This quote won’t affect your credit score
A dedicated finance specialist assigned to you
Funding in as little as 24 hours
We’ll help you find the funding your business needs
We will do the heavy lifting for you, and what’s more:
- We’ll manage your application
- Your credit score is not affected by apply with us
- Offers could be within 24hrs