Business Finance That Works
As Hard As You Do
Whether you're buying a new van, expanding your workshop, or need cash flow to take on bigger contracts — we help UK businesses like yours access the funding you need.
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Client Satisfaction
Your Business Finance Partner
Straightforward Finance for Growing Businesses
Finding the right business finance shouldn't feel like navigating a maze. At AssetFund, we're a UK-based business finance broker that connects you with competitive funding solutions from over 50 trusted lenders — without the jargon, hidden fees, or endless paperwork.
Whether you're a plumber looking to finance a new van, a manufacturer investing in production equipment, or a growing business that needs working capital to take on larger contracts, we understand the challenges you face. Cash flow constraints shouldn't hold your business back, and a bank saying "no" shouldn't be the end of the conversation.
As an FCA-regulated broker, we work on your behalf to find finance options that match your circumstances — including solutions for businesses with less-than-perfect credit, limited trading history, or complex requirements that high street banks often decline. Our service is completely free to use because we're paid by the lenders, not by you.
Finance Solutions
Three Ways to Fund Your Growth
Every business is different. That's why we offer multiple funding routes, each tailored to different needs and circumstances.
Asset Finance
Spread the cost of equipment, vehicles, and machinery over time. Keep your cash in the business while acquiring the assets you need to grow and compete.
- Hire Purchase: Own the asset at the end of the agreement
- Finance Lease: Use the asset with flexible end-of-term options
- Operating Lease: Rent equipment for a fixed period
- Refinancing: Release equity from existing assets
Invoice Finance
Stop waiting 30, 60, or 90 days to get paid. Release up to 90% of your invoice value within 24 hours and keep your business moving.
- Invoice Factoring: We collect payments from your customers
- Invoice Discounting: You maintain customer relationships
- Selective Finance: Choose which invoices to finance
- Export Finance: Solutions for international trade
Asset Backed Lending
Unlock the value tied up in your business. Use stock, property, equipment, and receivables as security for flexible working capital facilities.
- Stock Finance: Borrow against inventory value
- Trade Finance: Fund import and export activities
- Combined ABL: Multi-asset facilities
- Structured Facilities: Bespoke solutions for complex needs
Assets & Equipment We Finance
Why Choose AssetFund
A Business Finance Broker That Actually Cares
We're not a faceless comparison site. When you work with AssetFund, you get a dedicated relationship manager who takes the time to understand your business and find the right solution — not just the quickest commission.
No Broker Fees, Ever
Our service is completely free to use. We're paid by lenders when we introduce successful applications, so our interests are aligned with yours.
Dedicated Relationship Manager
One point of contact who knows your business and is available when you need them — not a call centre with a different person every time.
All Credit Profiles Considered
Been declined by your bank? We work with specialist lenders who look beyond credit scores to consider your whole business picture.
Fast Decisions, Clear Communication
Indicative quotes within 24 hours. We keep you informed at every stage and explain everything in plain English.
FCA Regulated
Authorised for credit broking
We're authorised and regulated by the Financial Conduct Authority (FCA), which means we're held to strict standards for treating customers fairly and providing transparent, honest advice.
Industry Recognition
Trusted by thousands of UK businesses
With over £500 million in facilities arranged and a 98% client satisfaction rate, we've built a reputation for delivering results that other brokers can't match.
85%
Approval Rate
4.9/5
Customer Rating
Industries We Serve
Finance for Every Sector
From sole traders to established SMEs, we understand the unique challenges of different industries and have lender relationships to match.
Transport & Logistics
HGVs, vans, trailers, fleet finance
Construction
Plant, equipment, vehicle finance
Manufacturing
Machinery, production equipment
Retail & Wholesale
Fit-outs, equipment, stock finance
Healthcare & Medical
Medical equipment, practice finance
Agriculture & Farming
Tractors, machinery, seasonal finance
Technology & Software
IT equipment, software, hardware
Professional Services
Office equipment, fit-outs
Don't see your industry? We work with businesses across all sectors.
UK-Wide Coverage
Business Finance Across the UK
We help businesses in every corner of the UK access the finance they need. Find tailored information for your area.
Plus 27,000+ more locations across England, Scotland, Wales & Northern Ireland
How It Works
From Enquiry to Funded in Days
We've streamlined the process to get you from initial enquiry to funds in your account as quickly as possible — typically within 3-5 business days for straightforward applications.
Calculate & Explore
Start with our free calculators to understand your likely costs and monthly payments. No commitment required — just useful information to help you plan.
- Instant payment estimates
- Compare different term lengths
- No personal data required
Submit Your Application
Complete our simple online application in minutes. Tell us about your business, what you need to finance, and your preferred terms. We'll take it from there.
- 5-minute application
- Soft credit check only
- Dedicated manager assigned
Compare Your Offers
Within 24 hours, we'll present you with multiple offers from our lender panel. We explain the differences in plain English so you can make an informed choice.
- Multiple options to compare
- Clear explanation of terms
- No obligation to proceed
Get Funded
Once you've chosen your offer, we handle the paperwork and liaise with the lender. Most deals complete within 3-5 business days, with funds transferred directly.
- We handle the paperwork
- Fast completion times
- Ongoing support available
Customer Stories
Trusted by Businesses Like Yours
Don't just take our word for it. Here's what business owners across the UK have to say about working with AssetFund.
"After being turned down by two banks, AssetFund found us a lender who understood our business. We financed three new vans and the whole process took less than a week. Couldn't recommend them highly enough."
James Thompson
JT Plumbing Services, Manchester
"Invoice finance has transformed our cash flow. We used to wait 60-90 days to get paid by our customers, which made it hard to take on new work. Now we get funded within 24 hours of invoicing."
Sarah Patel
Precision Engineering Ltd, Birmingham
"We needed to replace two HGVs quickly after a breakdown. Our relationship manager at AssetFund got us approved within 48 hours and we were back on the road within the week. Professional service from start to finish."
Mike Williams
Williams Haulage, Leeds
Frequently Asked Questions
Got Questions? We've Got Answers
Everything you need to know about business finance, explained in plain English.
Asset finance allows your business to spread the cost of equipment, vehicles, or machinery over time instead of paying the full amount upfront. This preserves your working capital for day-to-day operations. The main options include hire purchase (where you own the asset at the end of the term), finance lease (use the asset with flexible end-of-term options), and operating lease (essentially renting the asset for a fixed period). The asset itself typically serves as security, which often means easier approval than unsecured lending.
At AssetFund, we provide initial indicative quotes within 24 hours of receiving your application. Full approval typically takes 2-5 business days depending on the complexity of your requirements and the documentation provided. For straightforward applications with complete documentation, same-day approval is often possible. Our dedicated relationship managers work to expedite the process and keep you informed at every stage.
Invoice finance releases cash tied up in unpaid invoices, typically advancing 70-90% of the invoice value within 24 hours. It's ideal for B2B businesses with payment terms of 30 days or more who need improved cash flow without taking on traditional debt. Whether you're a manufacturer waiting on payments from retailers, or a contractor with 60-day terms from main contractors, invoice finance can bridge the gap between doing the work and getting paid.
While a strong credit history helps secure better rates, we work with over 50 lenders offering solutions for various credit profiles. Lenders also consider factors like your business trading history, the value and type of asset being financed, and your current cash flow. We specialise in finding solutions for businesses that may have been declined elsewhere, including those with adverse credit, limited trading history, or complex circumstances.
Yes, AssetFund is authorised and regulated by the Financial Conduct Authority (FCA) for credit broking activities. This means we adhere to strict standards for treating customers fairly, providing transparent information about finance options, and ensuring our recommendations are suitable for your circumstances. Your protection is our priority.
Interest rates vary significantly based on factors including credit profile, asset type, loan amount, and term length. Currently, rates for asset finance typically range from 5% to 15% APR for established businesses with good credit. Invoice finance costs are usually structured as a service fee (0.5-3% of invoice value) plus a discount rate on funds advanced. We always present you with multiple options so you can compare and choose the best fit.
Asset finance facilities typically range from £5,000 to £10 million or more, depending on the asset and your business circumstances. For larger or more complex requirements, we can structure bespoke facilities through our specialist lender relationships. There's no upper limit for the right opportunity - we've arranged facilities exceeding £20 million for established businesses.
For a quick initial quote, we typically need basic business information and details of what you're looking to finance. For full approval, lenders usually require: 3-6 months of business bank statements, latest filed accounts (or management accounts for newer businesses), proof of identity for directors, and details/quotes for the asset being financed. Our team guides you through exactly what's needed and helps gather the documentation.
Still have questions? We're here to help.
Speak to an AdvisorReady to Get Your Business Funded?
Whether you need £5,000 for a van or £5 million for a fleet, we're here to help. Get started with our free calculators or speak directly with an advisor.
AssetFund is authorised and regulated by the Financial Conduct Authority for credit broking activities