Asset Finance
We offer a fast and flexible approach, giving your business access to the equipment it needs to perform and grow
Apply For a Loan
Looking for an unsecured business loan? Complete our application form and we’ll get back to you.
Find an Expert
Our expert team of finance brokers are ready to provide you with all the advice and support you need to make the best business decisions
Contact Us
Looking for expert advice or simply want to find out more about what we offer? Complete our enquiry form and we’ll get back to you.
What is Business Asset Finance?
Whether you’re a new business owner or you have many years’ experience, our asset finance solutions can help you acquire vital assets without the upfront costs.
Business asset finance allows companies to acquire essential equipment without large upfront costs. Whether you need new machinery, vehicles, or technology, commercial asset finance solutions help spread payments while keeping cash flow stable.
Why Choose Christie Finance for Business Asset Finance?
- Access to multiple lenders – We’re not tied to any lender, ensuring the best deals.
- Over 45 years of experience – Trusted by first-time buyers and experienced business owners.
- Fast approvals – Secure funding in as little as 24–48 hours.
- Flexible repayment terms – Spread costs over a period that suits your business.
-Protect your cash flow – Acquire assets without large upfront payments.
Fast & Flexible Business Asset Finance
- Funding from £5,000+ for business-critical equipment.
- Quick approvals: Finance arranged in as little as 24–48 hours.
- Flexible repayment terms: Choose repayment plans that align with cash flow.
- Access to multiple lenders: Competitive rates from leading providers.
- No upfront fees: Cost-effective funding with no hidden charges.
Start your Finance Application Now
Looking for expert advice or simply want to find out more about what we offer? Complete our application form and we’ll get back to you.
Types of Asset Finance Services Available
Hire Purchase
In many cases, this is the preferred type of asset finance. The funder will pay for the asset upfront, meaning you can use the asset over an agreed period while spreading the cost over the life of the asset and paying in instalments. The title of the equipment passes to you at the end of the term for a fixed small fee.
- Flexible terms allowing you to spread the cost
- Fixed route to ownership at the end of the term
- Full control of equipment and the option to claim capital allowances
- Interest and charges can be offset against pre-tax profits
- The option to reclaim VAT on hire purchases
Finance Lease
Finance leasing is an example of asset finance that enables you to lease and use any equipment over an agreed time frame, without having to buy it outright straight away. At the end of the term, the funder will liaise with you regarding the next steps.
- No burden to your ownership at the end of the term
- Flexible terms of between 12 to 84 months
- Quick to arrange, providing uninterrupted use of your equipment
- No deposit, with VAT typically spread over the term
- Spread the cost to maximise profit and achieve tax efficiency
Sale, Leaseback & Refinance
In this scenario, the funder purchases the equipment from you, releasing funds back to the business, and leases the equipment back to you on a finance lease or hire purchase agreement. You can use the equipment over a period of time and pay it in instalments.
- Release capital tied up in your existing equipment
- Improve cash flow by converting assets into working capital
- Reduce the net cost of leasing equipment
- Quick and straightforward process
- Available on nearly all equipment purchases
Who Can Benefit from Business Asset Finance?
- Startups & SMEs: Secure equipment without large capital investment.
- Established businesses: Upgrade or expand with flexible funding options.
- Companies looking to improve cash flow: Spread costs while maintaining liquidity.
- Businesses needing rapid funding: Access quick approvals with minimal paperwork.
Start your Finance Application Now
Looking for expert advice or simply want to find out more about what we offer? Complete our application form and we’ll get back to you.
Why Apply For Asset Financing?
Asset finance offers a fast and flexible approach to funding, giving your business access to the equipment it needs to perform and grow – without compromising its cash flow.
Rapid Responses
We’ll never leave you waiting for a response or a decision, meaning you can get access to finance without delay.
Specialist Knowledge
With over 40 years’ experience in our specialist sectors, we can provide expert guidance throughout the application process.
Tailored Loan Options
We offer a number of financing options that can be moulded to fit your business needs, with fixed and discounted rates available.
Proven Track Record
We’ve helped numerous business customers access flexible financing solutions. Check out our completed deals for proof of our credentials.
Trusted Reputation
As part of the renowned Christie group, we’re respected by clients and lenders. This can help us get you a better deal.
Additional Unsecured Services
Unsecured Business Loans
Growth Guarantee Scheme
Merchant Cash Advance
Revolving Credit
Latest News & Insights
Case Studies: How Asset Finance Powered Business Growth
Dental Practice Fit-Out
A new squat dental practice required a full fit-out before opening to the public. Christie Finance provided tailored Asset Finance to cover the cost of three fully equipped surgeries, a compliant decontamination room, and a welcoming reception area. The funding allowed the practice to launch with a professional, patient-ready environment, helping the owners attract new clients and begin generating revenue from day one. The solution was structured to support cash flow while enabling investment in high-quality equipment and furnishings.
Energy-Efficient Upgrades for Convenience Store
A thriving convenience store sought to modernise its refrigeration systems to reduce energy consumption and enhance the shopping experience. Christie Finance delivered an Asset Finance solution that funded the installation of energy-efficient refrigeration units and a bespoke ‘drinks cave’—a walk-in chilled area designed to boost impulse purchases. The upgrade not only lowered operational costs but also improved product presentation and customer satisfaction, helping the store remain competitive in a busy retail environment.
Frequently Asked Questions
1. What is Asset Finance?
Asset Finance is a funding solution that allows businesses to acquire equipment, vehicles, or technology without paying the full cost upfront. Instead, the cost is spread over fixed repayments.
2. What types of Asset Finance are available?
The main types include:
- Hire Purchase – spread the cost and own the asset at the end.
- Finance Lease – use the asset without full ownership.
- Sale & Leaseback – release capital from existing assets and lease them back.
3. What assets can be financed?
Asset Finance can cover a wide range of business-critical assets such as vehicles, machinery, IT systems, medical equipment, and energy-efficient technology.
4. What are the benefits of Asset Finance?
Key benefits include protecting cash flow, accessing essential equipment quickly, flexible repayment terms, potential tax advantages, and fast approvals.
5. How does Asset Finance work?
A lender funds the purchase or lease of equipment on your behalf. Your business makes regular repayments, and depending on the agreement, you may own the asset at the end or continue to lease it.
6. Who can benefit from Asset Finance?
Startups, SMEs, and established companies all benefit from Asset Finance — especially those wanting to upgrade equipment, spread costs, or access funding quickly without a large upfront payment.
7. How quickly can I get Asset Finance?
Many applications are approved within 24–48 hours, with funds released shortly after, depending on the type of asset and complexity of the deal.