Asset Finance

Discover how Asset Finance lending can help you release cash from your outstanding invoices and company assets today.

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What is Asset Finance?

Asset Finance covers a broad spectrum of different financial solutions secured against an asset such as machinery or equipment. In its simplest form asset finance is a loan, however it comes in more complex forms such as leasing which can have their own benefits such as tax efficiency or lower deposits.

Asset finance can cover funding for the purchase of an asset and refinancing existing assets owned by the business.

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How Can We Help You?

Our frequently asked questions. Do you still not have the answer you need? Get in touch.

What are the different types of Asset Finance and which is best for me?

Asset Finance is available in different forms such as hire purchase or leasing. Fundamentally each just offers a different structure with lower or higher deposits, options to purchase at the end of the agreement or ownership from the start. Our approach is to understand the business need and find the structure that works best. If you have deposit cash available it may make hire purchase more attractive, while leasing can offer lower payments. Tax benefits can be a factor too, hence we like to talk through before committing to an option.

Is my business eligible for Asset Finance?

Asset Finance is simply a credit agreement to purchase an asset. The security of the asset itself gives lenders some protection which can mean less stringent eligibility criteria than unsecured finance. Lenders do like to see some trading history typically and minimum credit scores, but can be flexible if other security can be used such as personal guarantees from a director with good credit. Lenders also need to prove affordability to cover the monthly payments so usually businesses need to show some profit or at least a source of funds to cover the payments.

How much does Asset Finance cost?

Interest rates can range from as low as around 2% up to much higher depending on the business risk. The usual things like business credit score, past and current financial performance, and trading history can all impact the pricing. Sometimes length of term can be more important than interest rate in keeping the monthly cost affordable. A high interest loan with a 5 year term will cost less per month than equivalent low interest loan on a 2 year term.

What assets can be funded?

Assets are typically grouped into ‘hard’ assets (e.g. machinery, vehicles, equipment) and ‘soft’ assets (e.g. furniture, fittings and fixtures). Lenders like to see assets that have a good resale market so vehicles and readily available machinery like tractors or construction machinery are easier to fund than very bespoke or customised equipment. It is always worth having a conversation though, we do work with lenders who can fund things like office furniture and software – every lender has their niches!

Liquidity Club have been great because they have managed the funding process from start to finish. Liquidity Club is very attentive and professional and their involvement has freed up my time to enable me to focus on the running of…

Mike Burrows
Burcas Ltd

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Liquidity Club found the right funder to assist us with the cashflow in our business at a really important time, enabling us to continue growing. The speed and professional approach by Liquidity Club gave us the confidence to focus on…

Operations Director

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Liquidity Club was recommended to us. We invited them over to help us find the best finance options available for the future needs of our business. They very quickly found us a solution and was able to implement in a…

Ian Summerfield
Freight Management European Ltd

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Liquidity Club were so supportive and knowledgeable, they kept in contact throughout the process making sure we were informed and updated at every stage. They were committed to getting the best outcome for us and focused on reaching our goals.…

Debbie Polden
Director of The Skinsmith, UK distributor for Eminence Organic Skincare

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Liquidity Club really take the time to review all facets of a proposal with the client to ensure the right funding solution is delivered at the most competitive rate the market has to offer.

Keir Cox
Operations Director Purbeck Insurance

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The service provided by Will was second to none and a complete hassle-free service. We were over the moon and full access to funds within a few hours of acceptance! 10/10.

Business Owner

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I met Adam through a mutual contact. I was sceptical when he said he could deliver a funding for my business that my then provider couldn't. Less than 6 weeks later I had a new provider and a £4m facility…

Joe Amirthalingam
MD at Jolanka (UK) Ltd

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Pauls understanding of our business helped us quickly narrow down the most suitable type of finance and provider for our requirement. His professional and experienced approach and constant communication meant we could focus on our business, while the facility was…

Neil Clifton
MD at Cube Precision Engineering

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Cameron thank you for all hard work in getting me the finance. Compared to other companies you were very different in your professional personal approach, I was very impressed. I will be definitely be contacting you in the new year…

Building Services

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