Asset Finance: Get the Equipment Your Business Needs – Without the Wait

Need new equipment, vehicles, or machinery but don’t want to drain your cash flow? Asset finance lets you spread the cost while you start using what you need right away. From £10k to £5m+, we help UK businesses get funding fast.

Unlock Growth with Tailored Asset Finance Solutions

At Response Business Finance, we help businesses acquire, lease, or refinance the assets they need to thrive. From essential equipment and vehicles to large-scale machinery, our asset finance solutions are designed to support growth while managing cash flow effectively.

Hire Purchase

Own the asset at the end. Spread costs with fixed monthly payments from 1-7 years. Perfect for equipment you’ll use long-term.

Finance Lease

Lower monthly payments. Use the asset without owning it outright. Ideal for technology that needs regular upgrading and updates.

Operating Lease

Short-term flexibility for seasonal business needs or trial periods. Return, upgrade, or purchase the asset at the end of youragreement.

Asset Refinance

Already own equipment? Unlock cash tied up in existing assets to fund growth or new business projects.

Equipment Finance

Fund essential tools, machinery, and technology. Manufacturing equipment, IT systems, medical devices – we cover it all.

Vehicle Finance

Cars, vans, trucks, or entire fleets. Keep your wheels turning while preserving working capital for operations.

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Who Uses Asset Finance?

Asset finance works for businesses across the UK:

Manufacturing & Construction

Fund heavy machinery, tools, and equipment without massive upfront costs.

Transport & Logistics

Build your fleet with vehicle finance that matches your cash flow.

Healthcare & Beauty

Get the latest equipment and technology to serve your clients better.

Start-ups & Growing Businesses

Preserve your working capital while getting the assets you need to scale.

Established Companies

Upgrade equipment, expand operations, or refinance existing assets to free up cash.

Why Choose Asset Finance?

Asset finance isn’t just about getting equipment – it’s about keeping your business moving forward without putting everything on hold. Here’s why thousands of UK businesses choose asset finance over paying cash upfront.

Preserve Cash Flow

Keep your money in the bank for day-to-day operations and unexpected opportunities.

100% Finance Available

Finance the full cost of your assets – no deposit needed in many cases.

Tax Benefits

Potential tax advantages on lease payments and depreciation. Check with your accountant.

Fast Approval

Most applications approved within 24-48 hours. Get your assets when you need them.

Flexible Terms

Payment schedules that work with your business – seasonal payments, deferred starts, and more.

Real Results: The Rub BBQ Goes National

Harp built The Rub BBQ into Milton Keynes’ most popular BBQ spot. But franchising nationwide needed serious funding for equipment and marketing.

  • The Challenge: Traditional lenders didn’t understand the franchise model
  • Our Solution: Tailored equipment finance plus franchise funding package
  • The Result: Successful UK-wide rollout with ongoing support for new franchisees

“Mark managed to get us exactly what was required at the best rate available. He even worked through the weekend to get it secured.” – Harp, The Rub BBQ

Am I Eligible?

Most UK businesses can access asset finance if you:

  • Trade for 2+ years (or 6 months for some asset types)
  • Have annual turnover of £100k+
  • Need financing from £10k to £5m+
  • Want to finance business assets (not residential property)

Don’t meet the criteria? We still might be able to help. Every application is different. 

Need help? Get in touch. 

Quick Application

Tell us what you need in 5 minutes. Equipment details, finance amount, and your business info – that’s it.

Expert Matching

We find the right lender and structure for your needs. Multiple options, clear comparisons, honest advice.

Fast Funding

Most approvals within 48 hours. Simple paperwork, direct delivery to your door, and ongoing support.

Typical Timeline: Application to asset delivery in 5-10 working days.

Frequently Asked Questions

Most asset finance applications are approved within 24-48 hours.

Almost any business asset – equipment, vehicles, machinery, IT systems, and more.

Not always. Many deals offer 100% finance, though deposits can reduce monthly payments.

We work with specialist lenders who support start-ups and newer businesses.

Yes, most agreements allow early settlement with potential rebates on interest.

Why UK Businesses Choose RB Finance

  • FCA Regulated – Fully authorised and regulated broker

  • Fast Decisions – 24-48 hour approvals standard

  • No Upfront Fees – We’re paid by lenders, not you

  • Personal Service – Dedicated support throughout
  • Whole Market – Access to 40+ specialist lenders
  • Flexible Options – Terms from 1-7 years to suit your cash flow

Need Something Different?

Business Loans

Unsecured funding for any business purpose

Vehicle Finance

Dedicated vehicle funding solutions

Bridging Finance

Short-term property and business funding

Custom Solutions

Bespoke funding for unique needs

Get your asset finance quote in under 5 minutes

Ready to Get Your Assets?

Get your quote now

Whether it’s a single piece of equipment or a complete fleet, we’ll find you the right funding at the right price.

This enquiry will not affect your credit score

Have a question?

We’re here to help!

Whether you’re exploring your financing options, need more details about our services, or have a specific query, our friendly team is just a message away.