Over 100 Years Collective Experience

Authorised & Regulated By The FCA

Competitive Interest Rates

Funding Available: From £5k to £25M

Flexible Repayment Terms

What Type of Business Finance Do You Need?

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Asset Finance

Fund equipment, vehicles, or tools with asset finance tailored to your business.
Enquire

Business Loans

Flexible business loans to support growth, cash flow, or investment – secured or unsecured.
Enquire

Vehicle Finance

Finance for cars, vans, or fleets – including hire purchase, lease, and refinance options.
Enquire

Refinance

Unlock cash by refinancing assets or consolidating existing agreements.
Enquire

Invoice Finance

Access cash tied up in unpaid invoices to improve cash flow and grow your business
Enquire

VAT/Tax Loans

Spread the cost of VAT, tax, or self-assessment bills and protect your working capital.
Enquire

Merchant Cash

Unlock funding based on card sales with flexible repayments linked to your business’s turnover.
Enquire

Commercial

Funding for trading premises, refinancing or investments – tailored to your business goals.
Enquire

Welcome to Percy Finance—Independent, FCA-Authorised Commercial Finance Brokers

Percy Finance supports UK businesses with a wide range of tailored funding solutions, from asset finance and business loans to vehicle finance, VAT funding, and more. As an FCA-regulated broker (FRN: 1005021), we work with a panel of trusted lenders to help businesses access finance with clarity and confidence. Whether you’re looking to invest in equipment, improve cash flow, or refinance existing agreements, our team offers a personal, transparent approach focused on your goals. Explore funding options designed to support growth and long-term success.

Popular Finance Solutions

Business Loans

Funding from £5k to £5M.

 

Make an Enquiry

 

Asset Finance

Get the vital equipment your business needs without straining your cash flow.

 

Make an Enquiry

 

Vehicle Finance

Looking to finance a vehicle, get in touch with our motor division today.

 

Make an Enquiry

 

Finance for super cars.

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What is Asset Finance?

Asset finance is a type of financing that allows businesses to acquire or lease equipment, vehicles, or other assets without paying the full cost upfront. Asset finance can help businesses improve their cash flow, reduce their tax liability, and access the latest technology and equipment.

Here at Percy Finance we have decades of experience and knowledge about the asset finance industry.

We work with a wide variety of businesses across a range of sectors including energy, construction, agriculture, healthcare, engineering and many more.

What is a Business Loan?

A business loan is a type of finance designed to support companies with their cash flow, growth, or investment needs. Whether you are looking to purchase new equipment, expand into larger premises, or simply cover everyday operational costs, a business loan can provide flexible funding tailored to your circumstances.

At Percy Finance, we act as a credit broker, not a lender. We work with a panel of trusted UK lenders to help match your business with the most suitable loan options available. Our team will take time to understand your requirements and guide you through the process, ensuring transparency at every stage.

 

Haulage

We have extensive knowledge and experience of financing lorries, vans and other commercial vehicles.

Refinance

Speak to one of our in house experts to help organise refinancing your existing debt.

Hospitality

We can help facilitate finance for any number of businesses from coffee machines…

Need a personalized finance solution?

Contact one of our highly experienced and friendly representatives today.

Recent Customer Funding Stories

£10,000

Merchant Cash Advance for a UK-Based Pub

At Percy Finance, we recently sourced funding for a UK-based pub using a merchant cash advance – a flexible finance solution that allows businesses to repay their loan through a fixed percentage of daily card sales.

£100,000

Commercial Trampolines Funded For Our Customer

When a UK-based leisure business needed to fund a new range of commercial trampolines, they turned to Percy Finance for support.

£200,000

Logistics & Warehouse Operation

Percy Finance arranged a £200k intangible-backed funding solution to support a logistics and warehousing client’s need for additional on-site storage capacity.

£55,000

Software Package Funded For Our Customer

Percy Finance arranged a tailored software finance package worth £55k+ to support a manufacturing client’s transition to cloud-based digital design and engineering tools.

Frequently Asked Questions About Asset Finance and Business Loans

Asset finance allows businesses to acquire assets such as equipment, vehicles, or machinery without paying the full cost upfront. Instead, the cost is spread over an agreed term with regular repayments. Approval and terms are subject to lender criteria and status.

We aim to provide approval decisions within 24–48 hours of receiving a complete application. Approval times may vary and are subject to status, affordability assessments, and the lender’s requirements.

Percy Finance works with a range of lenders to finance assets including vehicles, machinery, IT equipment, and office furniture. Specific asset eligibility may vary depending on the lender’s criteria.

We work with a panel of lenders who may be able to assist businesses with a range of credit profiles. Approval remains subject to status, affordability checks, and each lender’s underwriting policy.​

Asset finance typically involves borrowing funds secured against the asset being purchased, whereas a business loan provides a lump sum that can be used for broader business purposes. Each option has different features, benefits, and risks depending on your needs.

Documentation requirements vary by lender but usually include proof of identity, business bank statements, business accounts, and details of the asset being financed. We will provide a checklist to help guide your application.

Yes, Percy Finance also offers unsecured business loan options through a panel of lenders. Terms and conditions apply, and approvals are subject to lender requirements and affordability assessments.

We assist businesses across a range of sectors, including construction, manufacturing, retail, healthcare, professional services, and more. Availability of funding depends on the specific requirements of the business and the lender’s criteria.

Loan amounts vary depending on the asset, the business’s financial profile, and the lender’s assessment. We work with lenders who can offer asset finance from approximately £5,000 to £500,000+, subject to credit approval.

Percy Finance offers access to a broad panel of reputable lenders, competitive rates, flexible terms, and personalised service. We aim to make the process simple and efficient, although approvals and terms will always be subject to each lender’s assessment.

No Matter Who You Are, We’ve Got What You Need

Private Clients

Percy finance offers asset finance & business loans for private individuals

 

Entrepreneurs

Percy finance works with entrepreneurs by providing them with asset finance

 

Professional Firms

Percy finance works with professional firms providing asset finance

 

Need more information?

Office

Clinton House, High St, Coleshill B46 3BP

Contact

enquiries@percyfinance.co.uk

loans@percyfinance.co.uk

Open Hours

Monday – Friday: 9am — 5pm

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Start Your Business Finance Enquiry

Minimum Loan Amount For Sole Trader: £25,000

Eligibility Requirement: 3+ Months Trading

To assess affordability and provide responsible finance, we require at least 3 months of trading history. Please re-apply once you reach this point.

Just One Last Step – So We Can Keep in Touch.

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