Plant & machinery
Production machinery, construction plant and other operational equipment that supports day-to-day output.
Asset finance for business
Essential equipment. A considered way to fund it.
Explore funding for eligible machinery, equipment and technology through Trek Finance, with options structured around the asset, your objectives and your business circumstances.
What is asset finance?
Put business-critical assets to work without paying the full cost upfront.
Asset finance can help a business acquire or use equipment by spreading payments over an agreed period. Rather than committing the full cash price at the outset, the business makes payments under a Hire Purchase or leasing agreement. The right structure depends on the asset, how long you expect to use it, whether ownership matters and what your business can sustainably afford.
Assets and equipment
Funding for the tools your business depends on.
Asset eligibility varies between funders. We will need to understand the equipment, supplier, age, value and intended business use before discussing suitable routes.
Tools & equipment
Specialist tools, workshop equipment and other durable items used to deliver your service.
Technology & IT
Eligible computers, servers, communications systems and other business technology.
Materials handling
Forklifts, access equipment, warehouse systems and related equipment for moving or storing goods.
Office equipment
Furniture, printing systems and other eligible equipment needed for an effective workplace.
Commercial assets
Other identifiable business assets considered by a suitable funder, subject to their criteria.
Potential benefits
Spread cost with the wider business in mind.
Benefits depend on the agreement and your circumstances. They should be weighed against the total cost and the commitment you take on.
Protect working capital
Spreading the cost may reduce the need for one large upfront payment, leaving cash available for other business priorities.
Plan regular costs
An agreed payment schedule can make the cost of essential equipment easier to include in business cash-flow planning.
Put assets to work
The business can normally use the equipment while payments are being made, subject to the agreement.
Match the structure
The suitable route depends on whether ownership, flexibility, asset life or end-of-term options matter most to your business.
Points to consider
Understand the agreement before you commit.
Compare the full terms, not only the regular payment, and seek independent specialist advice where appropriate.
Total cost
Interest, fees, deposits and any final or option-to-purchase payment can make the total paid higher than the asset's cash price.
Ownership & use
The funder may retain legal title and the agreement may set conditions for use, maintenance, insurance, alterations or disposal.
Ongoing commitment
Payments must remain affordable for the full term. Missed payments or a breach of terms could lead to the asset being recovered and may affect credit.
Automotivate Fleet Solutions Ltd is an Appointed Representative of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority No. 625035. Automotivate Fleet Solutions Ltd is a Franchisee of Asset Finance Solutions (UK) Ltd. Finance is for business purposes and is subject to status, lender approval and terms. This information is general guidance and does not constitute financial, legal, tax or accounting advice.
Trek Finance, backed by AFS
A guided route from equipment brief to funding proposal.
Automotivate Fleet Solutions Ltd is a Franchisee of Asset Finance Solutions (UK) Ltd and an Appointed Representative of AFS Compliance Limited. AFS is an independent asset finance brokerage, not a lender, with an extensive funder panel and comprehensive compliance capabilities.
Learn about AFS ↗Start with the asset
We consider what you need, who is supplying it and how it will be used.
Compare structures
Review routes in the context of ownership, payments and end-of-term plans.
Prepare the proposal
Provide the business and asset information required for a credit decision.
Review the offer
Check the lender's terms, total commitment and responsibilities before signing.
Frequently asked questions
Asset finance, clearly explained.
01What is asset finance?+
Asset finance is a way for a business to obtain and use eligible equipment without paying the full purchase price at the outset. The asset and funding structure form part of the agreement, with payments spread over an agreed period.
02Which assets could be considered?+
Funders may consider many identifiable business assets, including plant, machinery, tools, materials-handling equipment, technology and office equipment. Eligibility depends on the asset, supplier, amount, age, intended use and funder criteria.
03What is the difference between Hire Purchase and Finance Lease?+
Hire Purchase normally provides a route to ownership after all required payments and fees. With a Finance Lease, the funder retains legal title and the end-of-term arrangements depend on the agreement.
04Will asset finance improve my cash flow?+
Spreading the cost can reduce the immediate cash required compared with buying outright, but repayments, interest and fees remain ongoing commitments. The effect on your cash flow depends on the agreement and your circumstances.
05What should I consider before applying?+
Consider the asset's useful life, total amount payable, deposit, payment profile, ownership requirements, maintenance and insurance obligations, end-of-term terms and what would happen if your needs changed.
06Are approval, tax treatment or savings guaranteed?+
No. Finance is subject to status, lender approval and the terms offered. Tax and accounting treatment varies, so speak to your accountant or tax adviser. We do not guarantee approval or that finance will be the lowest-cost option.
Your Trek Finance contact
Your Trek Finance Asset Finance Manager
Dan Watson
Asset Finance Manager
- Telephone:
- 01865 20 30 40
- Mobile:
- 07745 202 882
- E-mail:
- dan.watson@trek-finance.com
Fund your next business asset