Business finance from £10,000 to £2 million — any sector

Asset & Equipment Finance

Equipment Finance

Finance for virtually any business equipment — from a single machine to a complete production line.

Amount
£10,000 – £2m
Term
1–7 years
Decision
Within hours

What is equipment finance?

Equipment finance is a way to acquire business equipment without paying the full cost upfront. The equipment is funded through hire purchase or leasing and repaid in monthly instalments, usually over one to seven years. Repayments can be seasonal or stepped to match how your business earns.

Last reviewed · PFC Commercial Finance

Key features

  • Single items or complete projects
  • Supplier-agnostic: buy from who you like
  • Seasonal and stepped repayment profiles
  • Suitable for start-ups and established firms

How it works

Tell us about your business and what you need. Your dedicated account manager compares equipment finance options from across our lending panel, prepares the application on your behalf and presents a clear, no-obligation quote. There is no impact on your credit score until you choose to proceed.

Who is it for?

UK limited companies, partnerships and sole traders in almost every sector — from start-ups to established businesses, including those with a less-than-perfect credit history.

Equipment Finance: common questions

Can I choose my own equipment supplier?

Yes. Equipment finance is supplier-agnostic: you agree the price with your supplier and the funder pays them directly once the agreement is signed.

Can I finance used or refurbished equipment?

Yes. Used equipment is widely financed, although terms may be shorter depending on the age and condition of the asset.

How quickly can equipment finance be arranged?

For straightforward cases a decision can come within hours and the supplier can be paid within a few days of signing.

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£150,000
£10,000£2,000,000
36 months
6 months72 months
Business credit profile

Estimated monthly repayment

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Get my exact quote

Figures are illustrative only and are not a quote or an offer of finance. Actual rates depend on your circumstances, the lender and the product. Finance is subject to status and available to UK businesses only.