Business Finance Guides
Plain-English guides to UK business loans, asset finance, invoice financing, and business credit cards. Compare lenders, check what you'll qualify for, and walk into a funding decision already knowing the answers.
Business Loans
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Asset Finance
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Soft Asset Finance UK: Funding IT, Software, Telecoms and Office Equipment
Over 50,000 UK SMEs have already used specialist asset finance to acquire IT equipment, telecoms infrastructure, and office systems without the full upfront cost [7].
Asset Finance Rates UK: What Affects Pricing on Equipment and Machinery Funding?
Asset finance rates in the UK currently range from 7.9% APR for prime borrowers to 18% APR for businesses with adverse credit. Rates depend on your credit profile, asset type, loan term, deposit amount, and the Bank of England base rate (currently 4.50%).
Used Equipment Finance UK: Can You Finance Second-Hand Machinery?
Yes, you can finance second-hand machinery in the UK through hire purchase and finance lease agreements from specialist lenders. Most asset finance providers actively support used equipment purchases with terms from 2-7 years, though deposits may be higher and criteria stricter than new equipment deals.
How Does Asset Finance Work? Complete UK Business Guide
Asset finance helps a business obtain or use vehicles, machinery and equipment while spreading the cost. Under hire purchase, the business normally acquires ownership after completing the agreement and any purchase condition.
Types of Asset Finance UK: Hire Purchase and Leasing Compared
The main UK asset-finance types are hire purchase, finance lease, operating lease, contract hire and asset refinance. Hire purchase is structured around eventual ownership.
Development Finance
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Office-to-Residential Conversion Finance: Funding Change-of-Use Projects
Office-to-residential conversion finance: funding change-of-use projects requires specialist development finance rather than traditional mortgages. Most conversions use construction loans covering 60-70% of project costs at SOFR plus 350-550 basis points, with 18-36 month terms and 30-40% equity requirements.
Ground-Up Development Finance: From Land Purchase to Practical Completion
Ground-up development finance: from land purchase to practical completion is a specialist funding solution that covers the entire development cycle, from initial site acquisition through construction phases to final project delivery.
What Is Development Finance? Complete UK Guide for Developers
Development finance is short-term, property-secured funding for land acquisition and construction or major conversion. The lender normally releases money in stages after monitoring progress.
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