how we can help
Your Assets, Your Success - Unlocking Opportunities
Our mission is to be the wind in your sails, propelling you forward, and empowering you to take your business to greater heights.
- Some loans within 24 hours
- Servicing Start Up's & Established Businesses
- Finance Any Type Of Equipment
- Get Up To ￡10 Million
- All Credit Files Considered
- and more.
What is Asset Finance?
Asset finance is a smart and cost-effective way to acquire essential business assets without disrupting your cash flow. Whether you need machinery, vehicles, or cutting-edge technology, asset finance allows you to spread the cost over time, making investments more manageable. From start-ups to established enterprises, our business asset finance solutions cater to a wide range of industries.
Preserve Cash Flow
Asset finance allows you to preserve your cash reserves, ensuring you have the working capital needed for day-to-day operations and unforeseen opportunities. With our asset finance solutions, you can spread the cost of acquiring essential business assets over time, leaving your cash flow intact for other critical expenses like payroll or marketing.
Flexible Financing
We offer flexible busines. asset finance options designed to fit your business’s unique needs. Whether it’s Hire Purchase, Lease Agreements, or Asset Refinancing, our team of asset finance experts helps you select the solution that works best for your growth plans. Our business asset financing solutions offer bespoke terms and competitive rates to help you achieve your goals.
Stay Competitive
To stay ahead in a fast-paced market, your business needs access to the latest tools, equipment, and technology. With our asset-based financing, you can invest in cutting-edge solutions without straining your budget. Modernising your operations boosts efficiency, improves productivity, and helps you deliver outstanding results for your clients.
Tax Efficiency
Enjoy potential tax benefits, including capital allowances and interest deductions, which can reduce your overall tax liability. Did you know that asset finance solutions can bring potential tax advantages to your business? By spreading the cost of your investments, you can access reliefs like capital allowances and interest deductions, reducing your tax liability.
At Howe Commercial Finance, we offer a comprehensive suite of asset finance services, customised to meet your specific business needs. Our team of experts will work closely with you to structure financing solutions that align with your objectives. Whether you’re looking to acquire new assets, release equity from existing assets, or optimise your asset portfolio, our asset finance services include:
- Hire Purchase: Secure ownership of the asset with manageable payments over time.
- Finance Lease: Enjoy the use of the asset without the need for ownership responsibilities.
- Asset Refinancing: Release capital tied up in your existing assets for new investments or working capital.
- Sale and Leaseback: Sell your owned assets to free up cash and lease them back for ongoing use.
At Howe Commercial Finance, we specialise in providing tailored asset finance solutions to empower your business’s growth and success. Whether you’re looking to purchase new equipment, upgrade technology, or expand your fleet, our expert team is here to help.
We also offer access to Sustainable Development Fund options that support environmentally responsible business investments.
Our Trade Finance Facility helps businesses manage international transactions and improve cash flow for import and export operations.
For entrepreneurs and growing businesses, we offer Small Business Loans designed to provide flexible funding solutions that fuel long-term success.
We work with businesses across Derby, Nottingham, Stafford, and Uttoxeter, delivering flexible and effective funding options that align with your unique needs.
Get Started with Howe Commercial Finance
Ready to explore your asset finance options? Contact Howe Commercial Finance today to learn how we can support your business. Fill out our online enquiry form, and one of our asset finance experts will contact you to discuss your needs.
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Who Can Benefit from Asset Financing?
From start-ups to established businesses, we’re committed to helping companies in Derby, Nottingham, Stafford, and Uttoxeter access the funding they need.
Asset financing is ideal for businesses of all sizes and industries. Whether you’re a start-up or looking for affordable equipment financing or an established company upgrading your fleet, we’ve got you covered. Our solutions are particularly beneficial for:
- Construction companies requiring heavy machinery.
- Logistics businesses upgrading vehicles.
- Retailers needing modern technology and POS systems.
- Manufacturers looking to expand their production capabilities.
Tailored Solutions
Every business is unique, and so are our solutions. We work closely with you to understand your needs and recommend the most effective financing options.
Competitive Rates
We partner with a network of trusted lenders to offer competitive rates and terms, ensuring you get the best value for your investment.
Expert Guidance
Our team of experienced professionals provides step-by-step guidance, making the application process straightforward and stress-free.
Local Support
We’re proud to support businesses in the Midlands, offering local insight and expertise to help you succeed in a competitive market.
How Does the Process Work?
We’ve simplified the asset finance process to make it as seamless as possible:
Consultation: Tell us about your business and the assets you need.
Tailored Proposal: Based on your requirements, we’ll provide the best finance options.
Approval & Funding: Once approved, we’ll ensure quick access to funds, so you can move forward without delay.
Claim Your Free Consultation
A quick, no obligation chat to discuss your business goals and the best finance solutions to get you there.
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Frequently Asked Questions
The main route is asset finance, usually hire purchase or a finance lease. With hire purchase, you pay the cost of the equipment in monthly instalments and own it outright at the end. With a lease, you effectively rent it for a fixed term. Either way, you get the equipment now and spread the cost rather than paying upfront. Most asset finance can be arranged in days rather than weeks because the asset itself is the security.
With hire purchase, you’re buying the asset over time, the monthly payments add up to the full cost plus interest, and you own it at the end. With leasing, you’re renting it: lower monthly payments, but you don’t own it when the term ends (though you can sometimes buy it for a small fee). Hire purchase suits assets you want to keep long-term (vans, machinery). Leasing suits assets that depreciate quickly or need regular upgrading (IT equipment, company cars).
Asset finance is often more accessible to startups than a standard business loan, because the asset itself provides security for the lender. You’ll typically need a deposit (often 10-20%), a personal guarantee, and a credible business plan. Lenders will also look at director experience and credit. It’s one of the fastest ways for a new business to get the equipment it needs without draining cash reserves
Yes, and it’s very common. Lenders will want to know the age, condition, and expected useful life of the asset. The older or more specialist the equipment, the more specialist the lender needs to be, but there are funders for everything from used commercial vehicles to decades-old industrial machinery. A broker can point you to the right one.
A wide range: commercial vehicles (vans, HGVs, cars), plant and machinery, IT and technology, manufacturing equipment, commercial kitchen equipment, agricultural equipment, printing kit, medical equipment, and more. Broadly, if the asset has a measurable resale value and can be identified, there’s usually a way to finance it.
If you already own valuable equipment outright, you can sell it to a lender and lease it back. You get a lump sum of cash for the equipment, keep using it exactly as before, and pay it off in instalments. It’s a useful way to unlock capital locked up in kit you’ve already paid for, particularly if you need cash for growth, a VAT bill, or to fund another opportunity.
Instead of a big one-off payment that eats into your working capital, you spread the cost over months or years, usually aligned with the income the asset helps you generate. Your current account stays healthy, your cash reserves stay intact, and the equipment pays for itself as it earns. For most businesses, that trade-off is worth more than outright ownership from day one.
In many cases, yes. Interest payments on asset finance are typically tax-deductible as a business expense, and depending on the structure, you may also be able to claim capital allowances or VAT on the asset. The exact tax treatment depends on whether you choose hire purchase, a finance lease, or an operating lease, and it’s worth a conversation with your accountant before you sign.
