Asset Finance

Asset Finance Broker | Equipment & Machinery Finance Specialists

Whether you are acquiring new equipment, refinancing existing assets, or structuring a sale and leaseback, we find the right facility across our full lender panel.

Explore your funding options

Overview

What is asset finance?

Asset finance allows businesses to acquire or release value from physical assets, including plant and machinery, commercial vehicles, technology, and specialist equipment, without depleting working capital or securing against property.

The main structures include hire purchase, where you own the asset at the end of the term; finance lease, where the lender retains ownership and you pay for the use; operating lease, suited to assets that depreciate quickly or where flexibility matters; and sale and leaseback, where you release capital from assets you already own.

Pinnacle works with businesses across manufacturing, haulage, construction, agriculture, healthcare, and professional services, matching each client to the lender and structure best suited to their tax position, cash flow, and balance sheet.

100%

advance available on many assets

50+

asset finance lenders on our panel

Free

consultation, no obligation

How we help

Why use Pinnacle as your broker?

Asset finance lenders vary significantly in their appetite by asset type, sector, and deal size. A lender who is competitive on agricultural machinery may have little interest in IT equipment. A funder active in large-ticket deals may decline a transaction under 50,000 pounds.

Pinnacle knows the landscape in detail. We identify which lenders are active in your sector, which are currently offering competitive pricing, and which can accommodate the specific asset and deal structure you need.

We prepare your proposal, manage the process, and negotiate terms, including advance rates, residual values, and covenants, so that you receive a facility structured correctly from the outset.

Right lender for your asset

We match your asset type and sector to lenders with genuine appetite, not those who will decline after weeks of review.

Structure advice

Hire purchase, finance lease, operating lease, refinance: we advise on the structure that suits your tax, cash flow, and balance sheet position.

Quick decisions

For standard assets, some lenders can provide a credit decision within hours. We know who to approach when speed matters.

Market-wide comparison

We compare facilities across funders ranging from banks and captive finance companies to specialist asset lenders.

Sale and leaseback

Release capital tied up in assets you already own. We identify the best lender and negotiate the best terms for your refinancing.

No upfront cost

Our advice and market search are provided at no charge to you. We are paid by the lender on completion.

Common questions

Frequently asked questions

What types of assets can be financed?

Most business-use assets can be financed, including plant and machinery, commercial vehicles, agricultural equipment, technology and IT infrastructure, medical equipment, and fit-out costs. Some lenders specialise in particular asset classes. Pinnacle will identify the right lender for your specific asset.

What is the difference between hire purchase and finance lease?

With hire purchase, you make fixed payments over the term and own the asset outright at the end. With a finance lease, the lender retains ownership throughout and you pay for the right to use the asset. Finance leases can offer lower monthly payments and may be treated differently for tax purposes. The right structure depends on your specific situation.

Can I finance used or second-hand equipment?

Yes, many lenders will finance used assets, though the advance rate and terms may differ from new equipment finance. Age, condition, and the asset's residual value are key factors. Pinnacle will identify lenders who are active in the used equipment market for your asset type.

How much deposit is typically required?

Requirements vary by lender, asset type, and your business profile. Some lenders will advance 100 percent of an asset's value, while others require a deposit of 10 to 20 percent. For larger or more specialist assets, different criteria may apply. We will give you a realistic picture before any application is made.

Can I refinance assets I already own?

Yes. Sale and leaseback arrangements allow you to release capital from assets on your balance sheet. You sell the asset to the lender and lease it back immediately, releasing cash while retaining full use of the equipment. This can be a useful way to unlock working capital without affecting your trading.

More services

One conversation. The right funding.

We search the market, compare lenders, and secure the right deal on your behalf. No obligation, no cost to you.

Book your free consultation