asset finance deal

What Is Asset Finance?

Asset finance is a flexible funding solution that allows businesses to acquire the equipment, vehicles, or technology they need without tying up large amounts of capital. Rather than purchasing assets outright, businesses can spread the cost over time through tailored finance agreements. This preserves working capital and provides the flexibility to scale operations efficiently.

At Percy Finance, we specialise in helping businesses access the assets they need to thrive—whether that’s a fleet of vehicles, construction machinery, or cutting-edge technology.

How Does Asset Finance Work?

Asset finance typically involves one of the following structures:

  • Hire Purchase (HP): You pay for the asset in regular installments over an agreed period. Once the final payment is made, ownership transfers to your business.
  • Finance Lease: You lease the asset for a set period, paying regular rentals. At the end of the term, you can extend the lease, return the asset, or purchase it at a reduced price.
  • Operating Lease: Similar to a finance lease, but with shorter terms and no option to purchase. This is ideal for assets with a short lifespan or for businesses seeking lower monthly costs.
  • Asset Refinance: You release equity from assets you already own, giving your business a cash injection to fund growth or cover expenses.

Why Choose Asset Finance?

  • Asset finance offers several advantages, making it a smart solution for businesses of all sizes:
  • Preserve Cash Flow: Instead of paying a large lump sum, you spread the cost over time, keeping cash in the business for other priorities.
  • Access the Latest Equipment: Regularly upgrading to new assets keeps your business competitive without the burden of full ownership.
  • Tax Benefits: Lease payments can often be offset against taxable profits, offering potential tax advantages.
  • Flexible Terms: Asset finance agreements can be tailored to suit your business’s needs, ensuring predictable and manageable repayments.

Real-World Applications of Asset Finance

Many industries benefit from asset finance, including:

  • Transport & Logistics: Financing for trucks, vans, and trailers to keep your fleet moving.
  • Construction: Secure heavy machinery or plant equipment without heavy upfront costs.
  • Healthcare: Fund medical devices or diagnostic equipment with affordable monthly payments.
  • Technology: Spread the cost of software, servers, and IT infrastructure to stay ahead.

At Percy Finance, we understand that every business is unique. That’s why we offer tailored asset finance solutions designed to match your growth plans and cash flow requirements.

  • Expert Guidance: Our team will help you choose the right finance option for your needs.
  • Fast and Flexible: We provide quick approvals and flexible terms, ensuring you get the assets you need without delay.
  • Dedicated Support: From application to completion, we’re with you every step of the way.
  • Get Started with Percy Finance Today

If your business needs new equipment, vehicles, or machinery, asset finance could be the key to unlocking growth—without draining your capital reserves.

Contact Percy Finance today to discuss how we can help you invest in the future while keeping your cash flow healthy.

At Percy Finance, we empower businesses with smart, flexible finance solutions—so you can focus on what matters most: growth and success.