Hard Asset Finance
FINANCE EXPLAINEDWhat is Hard Asset Finance?
Hard asset finance is a type of business funding usually used to buy physical, often high-value equipment, such as heavy print or manufacturing machinery, commercial vehicles, or construction plant, by spreading the cost over regular monthly payments instead of paying the full cost in advance.
Hard Assets that we finance:
- Construction
- Materials Handling
- Printing Equipment
- Plant and Machinery
- Heavy Commercial Vehicles
- Cars and Vans
- Coach and Bus
- Refinance
- Tractor Units, Trailers & LCV's
- Agricultural & Forestry Equipment
- Manufacturing, Machine Tools and Engineering Machinery
Construction
Materials Handling
Printing Equipment
Plant and Machinery
Heavy Commercial Vehicles
Cars and Vans
Coach and Bus
Tractor Units, Trailers & LCV's
Agricultural & Forestry Equipment
Manufacturing, Machine Tools and Engineering Machinery
We arrange a facility secured against an asset your business already owns (either outright or with equity remaining). A lender advances a lump sum based on the combined assets value, which you repay over an agreed term.
How Asset Refinance Works
We arrange a facility secured against an asset your business already owns (either outright or with equity remaining). A lender advances a lump sum based on the combined assets value, which you repay over an agreed term.
- Terms typically: 12–60 months
- Advance rates: Up to 80–120% of asset value (case dependent)
- Can refinance single or multiple assets
Common Use Cases
- Improving short-term cashflow
- Funding tax liabilities or VAT bills
- Raising deposits for new equipment
- Supporting expansion or contract mobilisation
- Consolidating expensive debt