The right equipment can double your output, win new contracts, and transform your margins. Finance it intelligently so you keep cash on hand for everything else.
£25K-£10M · 2-7 Years · soft search only
Equipment and asset finance lets your business acquire the machinery, vehicles, technology, or tools it needs while preserving working capital for day-to-day operations. The asset itself typically serves as security, which means qualification requirements are often more flexible than unsecured borrowing, and rates can be significantly better. Whether you are a contractor buying a new excavator, a restaurant upgrading its kitchen, or a tech company outfitting a data centre, asset finance spreads the cost across the useful life of the asset.
Granton Hale Capital works with equipment suppliers and dealers across every industry to streamline the finance process. We evaluate the revenue-generating potential of the equipment alongside your business fundamentals, which means we can approve deals that traditional banks might decline. A haulage firm that needs a new tractor unit to service a contract it has already signed is a fundamentally different risk profile from what a credit score alone suggests.
Our equipment finance decisions are made within 6 hours, and we can fund the purchase in as little as 48 hours. We offer both hire purchase (the asset is yours at the end of the agreement) and leasing (lower monthly payments with options to buy, upgrade, or return at the end of the term). We also finance used and refurbished equipment, not just new purchases.
Amount £25K-£10M · Term 2-7 Years
Because the equipment secures the finance, qualification is often easier and rates are lower than unsecured borrowing. You do not need to pledge personal property or other business assets.
Instead of paying £300K cash for a CNC machine, spread the cost over 5 years at £5,800 a month while the machine generates £25K a month in new revenue. Your cash stays available for operations.
Businesses can often claim capital allowances, including the Annual Investment Allowance, on qualifying plant and machinery, which can materially reduce your tax bill in the year of acquisition. Speak to your accountant for specifics.
We finance new, used, and refurbished equipment from any supplier or dealer. We also offer sale and leaseback arrangements if you already own equipment and want to unlock the equity tied up in it.
A machine that breaks down monthly does not just cost repair bills, it costs you the jobs you cannot complete, the clients who switch to a competitor with better reliability, and the overtime you pay employees waiting for equipment to come back online.
You have won a major contract or a new customer, but fulfilling it requires equipment you do not currently own. Buying outright would wipe out your cash reserves, but losing the contract is not an option either.
Competitors with newer, faster, or more efficient equipment can bid lower, deliver faster, and produce higher-quality output. Delaying upgrades means gradually losing market position.
The equipment that would transform your business costs £200K, £500K, or £2M. Most businesses do not have that sitting idle, and should not tie up that much capital in a single asset even if they do.
A haulage company finances £1.2M for 4 new tractor units after winning a dedicated freight contract with a national retailer. The contract revenue covers the finance payments within the first month.
A growing restaurant chain finances £180K for commercial ovens, walk-in cold rooms, and prep equipment for their third site, avoiding the need to deplete cash reserves set aside for marketing the opening.
A general contractor finances a £450K excavator and £200K concrete pump to take on a local-authority infrastructure project worth £3.2M over 18 months.
A private orthopaedic clinic finances a £320K MRI unit, enabling in-house imaging that increases per-patient revenue by £800 and eliminates the referral delays that were frustrating patients.
A custom packaging manufacturer finances a £2.5M printing press to bring a previously outsourced process in-house, reducing per-unit costs by 35% and lead times from 3 weeks to 3 days.
A landscaping company that owns £400K worth of equipment outright uses a sale and leaseback to unlock £300K in cash for a new division while continuing to use the equipment daily.
Yes. We finance new, used, and refurbished equipment from any dealer, manufacturer, or private seller. For used equipment, we may require an independent valuation for items over £250K to confirm fair market value. The age and condition of the equipment will factor into the loan-to-value ratio and term length.
With hire purchase, you build equity with each payment and own the equipment at the end of the agreement. With a lease, you make lower monthly payments and have options at the end of the term, purchase the equipment at fair market value, upgrade to newer equipment, or return it. Hire purchase is better when you plan to keep equipment long-term; leasing is better for technology that becomes obsolete or equipment you will want to upgrade.
We typically finance 80-100% of the purchase price for new equipment and 70-90% for used equipment, depending on the asset type, age, and your business profile. Some programmes require a 10-20% deposit, while others offer zero-deposit options for well-qualified borrowers.
Yes. We finance commercial vehicles including HGVs, tractor units, delivery vans, box vans, trailers, and specialist vehicles. Fleet purchases of multiple vehicles can be bundled into a single finance arrangement with one payment.
You are responsible for the remaining balance even if the equipment fails. This is why we strongly recommend equipment warranties and insurance. For newer equipment, manufacturer warranties typically cover the first 2-3 years. We can also structure agreements where the term does not exceed the expected useful life of the equipment.
Yes. A sale and leaseback allows you to sell equipment you own to a finance provider and lease it back, unlocking the equity trapped in the asset while continuing to use it daily. This is popular with businesses that have invested heavily in equipment and need cash for expansion or operations.
30-second application. No hard search. Decisions in as little as 3 hours.