In today’s competitive landscape, businesses need access to the right tools and machinery to stay ahead. But buying assets outright can put a strain on your cash flow. That’s where asset finance comes in — a smart, flexible way to fund the equipment your business needs to thrive.

In this blog, we’ll explore what asset finance is, how it works, and the key benefits it can bring to your business.

Asset finance is a type of business funding that allows companies to acquire essential equipment, vehicles, or machinery without paying the full cost upfront. Instead, you pay in affordable instalments over a set term — preserving your working capital.

There are several types of asset finance, including:

• Hire Purchase – Own the asset at the end of the term.
• Finance Lease – Use the asset while making regular payments; return it at the end or extend the lease.
• Operating Lease – Short-term leasing with lower payments; ideal for assets that depreciate quickly.
• Asset Refinance – Unlock the value of assets you already own.

Asset finance is ideal for a wide range of industries, including:

• Construction
• Manufacturing
• Transport & Logistics
• Healthcare
• Agriculture

Whether you’re a start-up looking to get off the ground or an established firm planning to expand, asset finance can help you access the tools you need without impacting your liquidity.

Key Benefits Of Asset Finance

1. Preserve Cash Flow

Rather than making large upfront payments, you can spread the cost over manageable monthly instalments, keeping your cash flow healthy.

2. Stay Up to Date

Leasing or refinancing options allow you to regularly upgrade your equipment, keeping your operations efficient and competitive.

3. Tax Efficiency

Many asset finance agreements are tax-deductible, meaning you can offset rental or interest payments against your taxable profits.

4. Flexible Terms

With tailored repayment terms, you can match payments to your budget and cash flow cycle.

Applying is simple. At Percy Finance, we streamline the process to get you approved quickly:

Tell us what you need – Equipment, vehicle, or machinery.

We assess your options – Comparing terms from our panel of trusted lenders.

You choose your plan – Flexible terms to suit your needs.

Get funding – So you can focus on growing your business.

Ready to Unlock Growth?

Let asset finance help your business reach new heights. Whether you need a new van, construction machinery, or IT equipment, Percy Finance can help you get the assets you need — without the upfront burden.

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Disclaimer: Percy Finance is authorised and regulated by the Financial Conduct Authority (FCA). This article is intended for informational purposes only and does not constitute financial advice. Please consider your circumstances before applying for finance.