Business Equipment finance -
Borrow £5,000 to £1,000,000
with 24-Hour Funding
GROW YOUR BUSINESS
Tailored Business Loans & Asset Finance
Attractive Rates & Customisable Terms
Funding from £5,000 to £2 Million
All Business Sectors Welcome
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The Best Options for Business Equipment Finance
Equipment finance from V4B Business Finance offers businesses the flexibility to acquire essential machinery, technology, or vehicles without the burden of large upfront costs. This type of financing allows you to spread payments over time, preserving your cash flow and enabling you to invest in the tools needed to grow your business. Whether you’re upgrading current equipment or purchasing new assets, equipment finance helps maintain financial stability while ensuring your business has the resources it needs to remain competitive and efficient.
With loans available up to £1 million, V4B provides the necessary capital to help businesses expand and improve their operations without compromising working capital or growth opportunities. Flexible repayment terms are tailored to suit your business’s financial health and needs, making it easier to manage costs while gaining access to the best equipment in the market. Whether for office technology, vehicles, or specialised machinery, equipment finance ensures your business stays ahead of the curve, optimising efficiency and productivity.
What is Business Equipment Finance?
Here are just a few examples of what an Equipment Finance Loan can do for you and your business:
- Preserves Cash Flow: Spread the cost of equipment over time, freeing up working capital for other needs.
- Avoids Large Upfront Payments: Finance expensive equipment without a large initial investment.
- Access to the Latest Technology: Upgrade to modern equipment to boost efficiency and competitiveness.
- Tax Benefits: Potential tax advantages, as repayments may be deductible.
- Flexible Repayment Terms: Tailored payment schedules that suit your business’s cash flow and financial health.
- Supports Business Growth: Enables expansion and operational improvements without financial strain.
Check Your Options
Fill out our quick form. If you’ve traded for 2+ years with £250,000+ turnover, we can help
Speak To Our Team
Our team will contact you to understand your needs and tailor a lending solution for your business.
Start Funding Process
Once your application is approved, our team will finalise and send your loan agreement for signing.
Complete Funding
Once we receive the signed agreement, funds can often be paid out within 24 hours.
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Common questions about Business Equipment Finance
1. What is equipment financing?
Equipment financing allows businesses to purchase essential assets, such as machinery or vehicles, by spreading the cost over time, reducing the need for large upfront payments.
2. How do I qualify for equipment finance?
To qualify, businesses need to demonstrate financial stability and creditworthiness. Your eligibility will depend on your financial health and the type of equipment you wish to finance.
3. What equipment can be financed?
A wide range of assets can be financed, including machinery, IT equipment, office furniture, and commercial vehicles.
4. Is it better to lease or finance equipment?
Leasing is ideal for businesses looking to upgrade equipment frequently or avoid ownership responsibilities. Financing is more suitable when you want to eventually own the asset and build equity.
5. How long are the repayment terms for equipment finance?
Repayment terms typically range from 1 to 5 years, depending on the asset and your financial needs.
6. Are there any fees associated with equipment finance?
Yes, equipment finance may involve fees, including arrangement fees and interest charges. These details vary based on the lender and loan terms.
7. Can startup companies apply for equipment finance?
No, V4B Business Finance does not offer equipment finance to startup companies. We work with established businesses to meet their equipment funding needs.
Our Business Loan Options
What types of business loan options are available to you and your organisation, whether you are looking for a small business loan or a large corporation loan?
Business Loans
Get additional working capital to help grow your business with a tailored business loan.
VAT Funding
Do you want to spread your VAT bills over the year to improve cash flow? We can help.
Acquisition Funding
If you are considering acquiring another business, we can offer financing.
Corporation Tax Loans
Need to fund a corporation tax bill? We offer bespoke funding tailored to your business.
Professional Indemnity Insurance
We can help you finance your insurance to keep your business protected.
AND MUCH MORE
Our Business Equipment Finance Explained
Whether you are a new startup or an established organisation in the UK, our business equipment finance solutions are tailored to help you acquire essential assets quickly and efficiently. As a result you want to avoid straining your cash flow, or working capital, and ensure your business improves with the right equipment at the right time.
That is where we come in, as we have the ability to assist you with Hire Purchase or Finance Leasing, to help you maximise all your financial benefits associated with purchasing assets for your business
Other benefits of Asset – or Equipment Finance – that we can assist with is VAT deferrals of up to 3 months, as we can assist with structured draw down facilities as well as structured payment profiles as well to suit your overall needs.
Comprehensive Business Equipment Finance
Our business equipment finance options, for instance, can include both equipment leasing and business equipment loans – tailored to meet the diverse needs of business owners.
From IT equipment and office furniture to heavy machinery and catering equipment, we can provide you with flexible financing solutions for all types of business assets. Our finance packages are even designed to support both new and established businesses in acquiring new equipment, allowing you to stay competitive with the latest equipment in your industry.
Types of Business Equipment Financing
We offer various financing options and types of business finance to suit your specific requirements and to allow you to have more purchase options than you do currently, such as for instance:
Finance Lease
Maintain the use of the equipment throughout the lease term, with the option to purchase at the end.
Hire Purchase Agreements
Spread the cost of the equipment over a period, with ownership transferring at the end of the loan term.
Merchant Cash Advance
A flexible financing option based on your future sales, providing quick access to funds.
Operating Lease
This is ideal for equipment that depreciates quickly where the ownership of the asset does not sit on your balance sheet, as it allows you to return or upgrade the equipment at the end of the lease period.
Invoice Finance
Unlock the cash tied up in your unpaid invoices to improve your cash flow and working capital.
What are the Benefits of Equipment Leasing and Financing?
There are many benefits to an equipment lease and financing for business use cases, such as for instance:
Tax Efficiency
Lease payments and interest rates on finance leases can be tax deductible making them very tax efficient to you as they can offer you significant tax benefits on each piece of equipment you decide to finance.
Flexible Lease Options
Choose from different types of leasing agreements to find the one that best fits your business needs.
Improved Cash Flow
Spread the cost of the equipment over time, reducing the impact on your balance sheet and preserving cash flow for other business activities.
Access to Latest Equipment
Keep your business competitive with access to the latest technology and equipment without the burden of upfront costs.
Credit History Friendly
Our flexible lending criteria accommodate businesses with varying credit scores, ensuring that more business owners can access the finance they need when they need it.
However, if your business has a poor credit rating – or weak financial accounts – providing a personal guarantee could strengthen your finance application.
Tailored Finance Solutions for Different Industries
We can also cater to a wide range of industries, offering you specialised finance packages for each sector:
Construction Equipment
Finance heavy machinery, specialist equipment, and construction tools to keep your projects on track.
IT and Office Equipment
Upgrade your IT infrastructure and office setup to enhance productivity.
Commercial Vehicles
This allows you to lease or finance commercial vehicles through our finance leasing company to ensure your logistics and transport operations run smoothly.
Gym Equipment
Equip your fitness centre with the latest gym equipment to attract and retain your members.
Manufacturing Equipment
Invest in advanced manufacturing equipment to boost production efficiency.
Why finance equipment & machinery with V4B Finance?
There are many reasons to consider choosing our finance company as your financial partner, such as for instance:
Regulated by the Financial Conduct Authority
We adhere to strict regulatory standards, ensuring transparent and fair business practices.
Flexible Repayment Options
Benefit from customised monthly payments and repayment plans tailored to your exact financial situation.
Wide Range of Asset Types
We have the size and assets to back a variety of equipment types, from office equipment to specialist machinery.
Personalised Service
To us, every business is different, and you are not just a number. Consequently, you will work with a dedicated account manager who understands your business needs and guides you through the whole application process and who will be on hand to answer any questions you may have.
Affordable Monthly Repayments
Monthly payments for equipment financing can also help you manage your cash flow, preserve working capital, and offer tax benefits, ensuring budget predictability.
How Does Equipment Financing Work?
Equipment financing provides funds to purchase or lease business equipment. You repay the amount through manageable monthly payments, often with flexible terms and potential tax benefits.
Down Payments
We can tend to cover 100% of the equipment cost, although depending on the circumstances, you may be required to pay a 20% down payment.
When you get in touch, we will be able to advise you further.
How to Apply for Business Equipment Finance?
Applying for business equipment leasing and finance is a simple and straightforward process. Simply:
Step 1 - Complete an Enquiry Form and get in touch
Firstly, you need to provide us with basic information about your business and equipment needs.
Step 2 - Discuss Your Needs
One of our account managers will then contact you to discuss the different ways we can support your equipment purchases, along with the eligibility criteria for each option.
Step 3 - Review Lease Agreement and Contracts
We will then present you with agreements and finance options that suit your business plan for you to review.
Step 4 - Approval and Funding
Once the lending criteria are met, we will then finalise the lease agreement, and you receive the funds or equipment to your bank account to then be able to use.
Let us help you secure the equipment you need to drive your business forward with our bespoke business equipment financing solutions.
Step 5 - End of the Agreement
This depends on the type of financing you have taken out. For instance, for a loan, this is paid in full, allowing you to then take on additional funding when required, to leasing, where the equipment is handed back once the agreement has come to an end.
Contact Us
Who Is V4B Business Finance?
Here at V4B Business Finance, we specialise in providing comprehensive corporate funding solutions to UK businesses. Consequently, this means that we can offer you a wide range of financial products including business loans, equipment finance, VAT funding, short-term loans, and many more business finance solutions.
With over 30 years of experience, V4B Business Finance LTD is a business credit broker and not a lender, and we are authorised and regulated by the Financial Conduct Authority (FCA) and the ICO in England & Wales.
Consequently, we pride ourselves on delivering your company-tailored financial solutions that support your business growth and development.
Please note: Our finance options is available for business customers only, for limited companies and for corporate customers only.