In today’s fast-changing economic environment, businesses across the UK need reliable, flexible ways to improve cash flow without disrupting day-to-day operations. One increasingly popular option is Sale & Hire Purchase (HP) Back—a finance solution that works not just for vehicles but for a wide range of business-critical assets.

Whether you operate in construction, manufacturing, logistics, agriculture, or a specialist sector, Sale & HP Back can release capital tied up in equipment you already own and allow you to reinvest that cash back into your business.

Sale & HP Back is a form of asset finance where a lender purchases an asset your business already owns outright and immediately finances it back to you through a Hire Purchase agreement.

This enables you to unlock equity from existing equipment while continuing to use it as normal — ensuring operational continuity while strengthening cash flow.

How It Works

1. You identify an asset that your business owns outright.

2. The lender buys the asset at an agreed valuation.

3. You enter a Hire Purchase agreement, spreading repayments over a fixed term.

4. You keep full use of the asset throughout the agreement.

This provides a powerful way to release working capital when you need it most.

Unlike traditional finance that often focuses purely on vehicles, Sale & HP Back can apply to a wide range of asset types, including:

• Plant & machinery (excavators, telehandlers, loaders)
• Construction equipment
• Agricultural machinery (tractors, sprayers, combines)
• Manufacturing equipment & CNC machinery
• Commercial vehicles & fleets
• Warehouse & materials handling equipment
• Technology and specialist equipment (depending on lender criteria)

If the asset is owned outright, has a clear provenance, and falls within age and condition tolerances, it may be eligible.

1. Immediate Cash Flow Boost

Release money tied up in existing assets and redeploy it into growth, working capital, or operational costs without taking on unsecured debt.

2. Retain Use of Essential Equipment

Your business continues operating with the same assets—no downtime, no disruption, and no need to replace equipment that is already performing well.

3. Improve Liquidity for Strategic Decisions

From scaling operations to managing seasonal demand, the additional liquidity can help you react quickly and effectively.

4. Straightforward Agreement Structure

Hire Purchase provides clarity with fixed repayments, making future cash flow planning easier and more predictable.

5. Unlock Capital Without Selling Assets

You gain the financial benefit of selling an asset while still retaining full access to it.

This solution is ideal for businesses that:

• Have valuable equipment sitting on the balance sheet
• Want to strengthen working capital and cash flow
• Need to invest in new assets or upgrade existing ones
• Operate in industries with high equipment costs
• Prefer predictable, structured finance over overdrafts or unsecured borrowing

From small contractors to large fleet operators, Sale & HP Back offers a flexible, scalable solution.