Commercial Asset Finance for UK SMEs
Machinery & Equipment Loans
Secure the machinery and equipment financing your business needs to grow. Fundur matches UK SMEs with top asset finance providers for fast, tailored leasing and hire purchase solutions.
Power Your Business Growth with the Right Equipment
Upgrading machinery, expanding your fleet, or investing in new technology shouldn't drain your working capital. Fundur specialises in commercial asset finance for UK SMEs, matching you with the ideal lending partners for equipment leasing and hire purchase.
Whether you need to replace outdated hardware or fund significant business capital expenditure, our platform connects you with asset finance providers across the UK, ensuring you get the most competitive rates and the fastest turnaround times.
What Can You Fund? (Use Cases)
Asset finance allows you to spread the cost of vital equipment over its useful life. Through Fundur, SMEs regularly secure machinery and equipment financing for:
Manufacturing & Engineering
CNC machines, production lines, and heavy plant equipment.
Construction & Agriculture
Excavators, tractors, cranes, and scaffolding.
Logistics & Transport
HGVs, delivery fleets, and warehouse forklifts.
Technology & Office
IT infrastructure, servers, and specialised medical or dental equipment.
Hospitality & Retail
Commercial ovens, refrigeration units, and EPOS systems.
Why Choose Fundur vs Direct Lenders?
When seeking growth funding for small and medium enterprises, you might consider going direct to well-known alternative lenders like Funding Circle, iwoca, Capify, or Fleximize. While these are excellent for general unsecured business loans, asset finance requires a specialised approach.
Here is how using Fundur as your broker gives you the edge when acquiring equipment:
| Feature | Fundur (Broker Advantage) | Generalist Direct Lenders |
| Market Access | We scour a whole panel of niche asset finance providers in the UK for you. | You are limited to a single lender's specific internal criteria and rates. |
| Security | The equipment itself acts as security. | Often requires personal guarantees or debentures. |
| Capital Impact | Preserves your existing credit lines and working capital. | Ties up your general business borrowing capacity. |
| Approval Speed | We know exactly which lender will approve your profile fastest (often 24–48 hours). | Can vary heavily based on complex business performance checks. |
| Finance Types | Hire Purchase, Finance Leases, and Refinancing matched to your needs. | Primarily fixed-term, unsecured loans. |
Do You Qualify? (Eligibility)
We keep our eligibility criteria straightforward so our brokers can quickly determine which of our lending partners is the right fit for your equipment leasing and hire purchase:
- Trading History: Minimum of 12 months trading in the UK.
- Business Type: Registered UK Limited Company, LLP, or established Sole Trader.
- Turnover: Minimum annual turnover of £50,000.
- Asset Type: Must be for commercial use (hard or soft assets considered).
How Fundur Works: Fast, Transparent, and Tailored
Securing your business capital expenditure funding shouldn't be a bottleneck. Our brokerage process is designed for speed:
- Tell Us What You Need: Complete a brief online form detailing the equipment you wish to purchase and its cost.
- Smart Broker Matching: Our team instantly assesses your profile and introduces your application to the most suitable top-tier UK asset finance providers on our panel.
- Review Your Options: Receive tailored, competitive quotes for hire purchase or leasing that match your cash flow requirements.
- Fast Funding: Once approved, the lender pays the supplier directly, allowing you to take delivery of your new equipment immediately.
Frequently asked questions about revenue-based financing
What is the difference between hire purchase and equipment leasing?
With hire purchase, you pay in instalments and own the asset at the end of the term. With an equipment lease, you essentially rent the asset for a set period, giving you the flexibility to upgrade to newer equipment when the lease ends.
Can a broker help me get asset finance for second-hand equipment?
Yes. Many of the asset finance providers in the UK that sit on our lending panel are perfectly happy to fund both new and used machinery, provided it is purchased from a reputable dealer.
How long does it take to get a decision?
Because we route your application to the right lender from the start, our partners can often provide an approval in principle within 24 hours, with funds released directly to your supplier shortly after the final paperwork is signed.
Does asset finance affect my other business loans?
Generally, no. Because the loan is secured against the specific asset you are purchasing, it usually sits separately from your day-to-day banking facilities and unsecured loans.