Asset Finance
Why Consider Asset Finance?
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Asset finance allows your business to borrow against the value of assets already on your balance sheet, or secure funding to purchase new equipment without heavy upfront costs.
It’s a flexible, cost-effective solution for companies looking to invest in machinery, vehicles, or technology while maintaining healthy cash flow.
Types of Asset Finance Agreements
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Our specialists can help you secure asset finance under a range of structures, tailored to your business needs:
Hire Purchase
Acquire essential equipment without a large upfront cost. Under a hire purchase agreement, you make fixed regular payments and gain full ownership of the asset once the total balance plus any “Option to Purchase” fee has been paid.
These agreements are widely available and typically require proof of strong credit and repayment capability.
Finance Lease
A finance lease allows you to use the asset in exchange for regular payments. At the end of the term, you can either return the asset, extend the lease, or upgrade to new equipment.
This type of agreement is a full pay-out lease, meaning the total payments include the full cost of the asset plus interest. Costs are typically higher at the start and decrease over time. You’ll also be responsible for maintaining the equipment during the contract.
Operating Lease
Operating leases are typically shorter-term and ideal for businesses that need equipment for a specific project or period. At the end of the agreement, the asset is returned to the lender (unless you choose to extend the lease).
This structure allows you to use the equipment without the responsibility of ownership or disposal, a practical, low-commitment option for many operational needs.
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Underrated Capital [is a trading style of Vizex] LTD, registered at 2 Falcon Gate Shire Park, Welwyn Garden City, Hertfordshire, United Kingdom, AL7 1TW Company Register number is 16580856. ICO registration ZB953461 and you can check via www.ico.org.uk. Vizex LTD is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with a Panel of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission and percentage of the amount you borrow Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.