Asset Finance for your Equipment

Spread the cost of the things you need

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Funding options


Hire Purchase

  • Terms from 6 to 72 months
  • No Maximum value
  • Annual rates from 6%
  • We can almost always undercut so called "0% finance" deals from suppliers

Leasing and contract hire

  • Reduce monthly outgoings
  • Adverse Credit – no problem
  • Assets generate cash - paying for themselves
  • No cash upfront


  • Funds for any type of equipment
  • Up to 100% funding
  • Lease any type of asset
  • No capital requirement

Talk to Rangewell – the business finance experts

We search the entire market for the lenders with the most competitive asset funding solutions - to help your business pay less for the equipment your need

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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Business asset finance

Get all the new equipment you need working for your business without having to pay upfront

Asset finance for vehicles, tools, IT, heavy-duty machinery can be essential for your business to grow. With the wide range of asset financing available on today's market - how do you know you're picking the right business finance deal?

Table of Contents

There are multiple essential things to consider when faced with such a wide range of asset finance agreements:

  • Interest rate differences
  • Upfront costs fees
  • Overall cost over time
  • Security requirements
  • Options for potential capital allowances

Knowing where to start can feel overwhelming, Rangewell are here to help you with everything you need to know about business asset finance and will source you the best deal that suits your business needs. 

Buying all the assets you need for cash means a significant capital investment. It can be difficult for businesses to raise funds for those upfront costs. When it comes to purchasing a big essential item, like a van or a machine tool, most firms don't have these funds available. Asset financing can provide a solution for improved cash flow, reduced purchase costs, we can source competitive rates, and we can provide you with affordable rental costs that can be paid off over 72 months. 

Business asset finance with Rangewell offers a range of finance agreements that let you spread the cost of the things you need. In addition, we provide solutions to allow you to buy equipment outright or lease it. Business asset finance can be simple to arrange with Rangewell - talk to one of our friendly staff who can help find the right deal for your business.

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Benefits of asset finance with Rangewell

Asset finance can let you spread the cost of a range of business equipment, helping you manage your business' cash flow better. So whether you're looking to buy a toolkit or an entire factory, we can help you find a deal that works for you. For example, business asset finance can cover purchases for manufacturing equipment finance, medical equipment, a kitchen for a chip shop or an aircraft. 

Rangewell are specialist asset finance brokers, and our team of asset finance experts will speak to a wide range of banks, finance companies and specialist asset finance providers to source a range of financing and funding requirements that suit your business at competitive rates. By searching across the entire market, we can often find asset finance plans that undercut the 0% finance offered by vehicle and equipment dealers.

Asset finance is essential to spread the cost of the equipment you need. Our expertise is vital to get the deal that's right for your business.

What is asset finance?

Asset finance is a method of lending which helps you to access business assets like equipment, machinery and vehicles without making bulk payments upfront. 

With asset finance, things can be offered as collateral, from inventory, machinery, and even buildings. So, for example, a transport company may choose to use vehicles as an asset to secure finance.  

Can my business qualify for asset finance?

Asset finance is designed for any business owner who wishes to access an item of a high value that will help support business growth. The cost of the item will usually be spread over the duration of its usable life.

Asset financing is suitable for business owners and sole traders as well as partnerships, charities and limited companies. It is a cost-effective and cash efficient way to buy a wide range of equipment (including soft assets) for any business.

Asset financing is, in effect, just another business finance solution often used instead of unsecured loans or bank loans. It allows bank lines to be kept intact and balance sheets maintained. Another benefit is that it adds an additional funding partner to a business looking to develop finance lending relationships rather than having a "single point of failure" with just one lender. 

How does asset finance work?

Asset finance helps you make a large purchase (asset) but spreads the cost over an agreed period. You’ll pay the lender at the end of every month and at the end of the agreed period - it’s yours to keep. 

You will usually be responsible for the maintenance and upkeep of the asset as if you bought it from the offset. 

How can you finance a business asset?

It’s essentially a loan you use to specifically buy or lease assets that will help grow and develop your business. Depending on the nature of your business, an asset could be anything from office equipment to vehicles and heavy-duty machinery. 

Types of asset finance

Here are some examples of types of finance for assets. If you can't find what you're looking for, get in touch and we'll be happy to talk you through your options. 

Hire purchase – spreading the cost of buying

Hire purchase is a simple way to spread the cost of buying an asset.

You pay a deposit plus fixed monthly instalments for the agreed term, which generally lasts between 12 and 72 months. The assets become your property as soon as the final payment is made. This can make hire purchase the solution for durable items you want to keep, such as catering equipment and heavy machinery and for crucial business items such as a dentists' chair or a tractor. 

Operating leases

Operating leases work like a rental agreement in that you pay a monthly rental charge to use the asset.

Maintenance, repairs, and registration can be the responsibility of the leasing company. Operating leases can be ideal for technical equipment with a limited life that you do not wish to own outright. Some types of medical and scientific instruments that may become obsolete may be suitable for an operating lease, allowing them to be easily replaced. 

Finance leases

Finance leases let you borrow equipment for a set time, but maintenance, repairs and running costs will become your responsibility.

Finance leases are common with more significant assets such as complete factory plant installations. For example, if you want to set up a full production line, a finance lease could provide the scale of funding required.

Contract hire

Contract hire is often used for business cars, vans and lorries. 

Payments can be reduced, as they are calculated on the purchase value less the estimated residual value of the vehicle at the end of the agreement. This type of finance can be suitable for many kinds of vehicles - including truck finance and vehicle finance - from prestige cars to HGVs and even aircraft.

Asset refinancing 

This type of finance agreement is best suited for businesses that have already invested in equipment and need to release some capital that is tied up in those assets. Your lender will buy the equipment from you and will lease it back to you over a set period, during this period, you can make regular payments. 

At Rangewell, we can offer businesses all kinds of finance options for industries such as agriculture (finance options for farm equipment), transport, construction, manufacturing, and scientific and medical. 

When you call us, our team will explain more about all the different asset finance options available, including finance for soft assets and intangible asset finance. Then, we'll help you see which is the right choice for your business today and in the future.

Whatever sector you are in

Find out how asset finance can help you pay for the equipment your business needs

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The benefits of asset finance

Asset financing is a more flexible alternative to taking out a bank loan. It allows you to obtain essential equipment that your business relies on without making a lump payment upfront. It makes it easier to manage cash flow and keep your accounts in order while only investing in the assets your business needs to thrive.

Most finance agreements will come with a fixed interest rate, so you’ll know how much you’ll be spending over the next few years, making it easier for you to budget. 

The risk behind an asset loan is much lower than a bank loan or a business loan. This is because you’ll not be met with penalty charges. Instead, you’ll only lose the equipment. This means there will be no effect on your cash flow as you’ll only be paying for what you need.

Examples of asset finance from Rangewell

Our customers are always at the heart of what we do, here are just some of the industries we offer asset finance to.

Vet equipment finance

Whether you’re looking to run your own vet practice for the first time, or if you want to invest in an existing practice, it can be the lack of funds and expensive equipment which holds you back.

Rangewell can help provide long-term asset finance plans to help you reach your goals. 

Read more on our Veterinary Equipment Finance page. 

Doctor leasing and finance

Whether you work for the NHS or in the private sector, Rangewell offers asset finance solutions for your doctors' surgery. 

Rangewell provides some of the best medical equipment finance options on the market, and we can offer flexible solutions to suit your funding needs. 

Read more on our asset finance for doctors' page. 

Construction asset finance

Resources and equipment needed for any construction project are guaranteed to be considerable. 

Construction asset finance will provide the access your business needs to these assets. Whether you’re working in the public field, private developments, or in a self-funded project, Rangewell will have a financing solution for you. 

Visit our construction asset finance page for more information. 

Manufacturing finance

We have a deep understanding of manufacturing asset finance and the challenges that are faced in this industry. 

Our manufacturing experts will find you flexible finance through our tailor-made hire purchase, lease options or refinance packages. 

Visit our asset finance for manufacturing page for more information. 

Agricultural finance

We can provide flexible funding options to the UK agricultural industry. Our loans are secure on agricultural land and property, with finance options to suit all needs. 

To find out more visit our agricultural equipment funding page. 

Company car leasing

Whether you're a partnership, a limited company, or a sole trader, company car leasing is an ideal solution for most businesses.

The cost of your fleet will be spread over months or years, with no upfront lump sums required. Your repayments will be a fixed monthly cost, so you'll know how much to budget for. 

To find out more, visit our company car leasing page.

Transport and logistics finance

We know the financial challenges of running a logistics business. Affording the cost of the vehicles and equipment and day-to-day running costs of running a business can cause significant cash flow problems. 

Our asset finance solutions can help you spread the costs of essential new assets, helping you better manage your cash flow. 

Read our transport and logistics finance page to find out more. 

Computer and IT equipment leasing

At Rangewell, we can provide business asset finance for all your IT needs for both computer hardware and software. We offer tailored financing packages, including hire purchase and finance lease solutions. No matter what size of your business, we make investing in business assets as affordable and straightforward as possible. 

Find out more about our IT finance options for your business.  

Dental practice equipment finance

Your patients and your practice deserve the best dental equipment around. Rangewell can offer market-leading manufacturers partnerships to provide you with the latest and most efficient instruments for your dental lab.  

Whatever your financing requirements are, Rangewell has the right solution for you and your needs.

To find out more, visit our dental equipment funding page.

Real Examples of the types of Asset Finance that Rangewell can help with.

  • Find funding for vehicles that undercuts the 0% deals offered by dealers

  • Source lease agreements for machinery from various suppliers to set up a complete production line

  • Find finance to allow a vet to lease a digital X-ray system - allowing her to launch her practice

  • Find the most competitive funding arrangement to re-equip a boutique hotel with a kitchen for Michelin starred chef

  • Set up HP for a truck - with VAT deferred - for a company in a Creditors Voluntary Agreement

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Preserve your working capital
    Avoid capital investment whilst getting to the tools, equipment and machinery your business needs.
  • What is suitable for asset finance?
    Vehicles, plant and machinery, IT and office equipment, medical, dental and veterinary equipment, hotel and restaurant equipment – whatever asset your business needs.
  • Monthly payments to fit your budget
    Your term and monthly payments can be planned to fit with your turnover. Plus, you can often arrange a funding solution to fit in with your accounting and tax needs.
  • Scaled for your business
    Finance can be arranged for assets and equipment at all levels, from that costing hundreds of pounds to millions. Whatever the scale of your business there is an asset finance solution to fit it.
  • Fixed payments
    Payments are usually fixed for the term of the arrangement, letting you budget ahead in confidence.
  • Reduce risk to your business
    If your business hits problems and you can’t keep up the repayments, the lender can recover their costs by taking the equipment. No other assets are at risk.

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Frequently asked questions

Have a question?

When will I get a decision on my business finance?

As soon as you input your details on our site, we’ll aim to get a result back to you within 24 hours. We want you to be in control of how you proceed, so lenders won’t approach you or call you. If you’d like more information on how to proceed, our friendly and helpful staff are available to answer all your questions - pressure free! 

What is an asset finance broker?

An asset finance broker will find the right funding for their clients who are looking to access significant capital assets without having to buy them outright. It’s a broker’s job to source the right deal for you and your business needs. 

Is an asset finance loan an asset or liability

When a business takes out a loan, it will usually need to be repaid before the benefits of the loan start driving an income. Therefore, it can be said that the business is funding long term assets with short term liabilities. 

Here is an example of what this means: a business will take a loan out to build a new plant. The loan is then paid back over 3 years. However, the plant may not start making a profit for at least 5 years. This means the maturity of the loan (3 years) doesn’t match the maturity of the new plant (5 years). 

Funding a long term project with borrowing (liability) that will need to be repaid before the project can drive profit could send a business into insolvency. 

You should always factor in the maturity of the asset into any borrowing you’re considering. Match the duration of the loan to the time it will take for the asset to bring in the added income.

How much can I borrow to finance my assets?

To find out how much you can borrow, you can use our quick quote calculator to get a feel for your monthly repayment costs and the period of time you'll be making your repayments. Alternatively,  please get in touch with our friendly team to discuss your requirements. We can create a tailored finance agreement to suit your specific needs. We’ll aim to get an answer to you within 24 hours. 

How much will it cost to finance my assets?

Use our quick quote calculator to find out how much it will cost to finance your assets. Get in touch to discuss the type of financing options available. 

What sort of equipment can I finance?

Whatever equipment and assets your company needs access to, Rangewell can help. 

Here are some popular types of equipment types we finance. 

Commercial equipment, such as:

  • Cranes
  • Tractors
  • Bulldozers
  • Refrigerated trucks

Technology equipment, such as:

  • Servers
  • Security systems 
  • Computers and laptops
  • Telecoms systems
  • Software

Manufacturing and storage assets, such as:

  • Machine presses
  • Industrial coolers
  • Food packaging assemblies
  • Box makers and sealers 
  • Lathes 

Other equipment, such as:

  • Office equipment
  • Agricultural equipment 
  • Transport and freight vehicles
  • Energy solutions 

Visit our sectors page for more information. 

How quickly can I get funded?

We'll aim to get a response and introductions over to you in 24 hours. Your funds will follow shortly after.  

Can asset finance solutions help me with cash flow or working capital?

Asset finance will provide you with a regular payment plan, this minimises the impact on your working capital and cash flow.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.