Asset finance loans for UK SMEs
Need to acquire essential equipment, vehicles, or technology without tying up your capital? Asset finance lets your business access the assets it needs while spreading the cost over manageable repayments.
Ideal for SMEs across the UK, asset finance allows you to use the equipment while you pay in instalments, often with flexible terms, competitive rates, and options to own the asset at the end of the agreement. It’s a smart way to invest in your business growth without impacting your cash flow.
What is asset finance, and how can it be used?
Asset finance allows your business to access essential equipment, vehicles, or machinery without the need for a large upfront payment. Instead of buying assets outright, you can spread the cost through manageable instalments or lease arrangements, helping you maintain cash flow and invest in other areas of your business.
It allows businesses to acquire necessary assets such as machinery, vehicles, or technology while spreading the payments over time. This preserves capital for other operational needs and helps businesses stay competitive by accessing the latest equipment or technology. Additionally, asset finance often offers flexible repayment terms tailored to the business's cash flow, making it a practical solution for growth and expansion.
Already own valuable assets? Through asset refinancing, you can release cash tied up in those items by using them as security for funding.
Why choose Prospera Funding for asset finance?
Full access to UK lenders
Access tailored business finance from £5,000 to £25M, with rates from 4.5%. Prospera Funding connects UK SMEs with both traditional and alternative lenders for flexible, fast business finance solutions.
Protecting your credit
We prioritise protecting your credit score by leveraging our lender network and industry expertise to assess your funding options without formal applications or credit checks.
Fast decisions
Our lenders offer faster funding than traditional bank loans, ideal for businesses needing quick access to working capital, cash flow, or growth. Decisions and funds in as little as 24 hours.
Transparent costs
You know your business best, and whether business finance makes sense to achieve your goals. At Prospera Funding, we simply present the best funding options, fully explain the costs, and let you decide. No risk, no commitment, and no broker fees.
Industry specialists
Our business finance specialists have expert knowledge and proven experience across multiple industries, ensuring tailored funding solutions aligned with your business goals.
Flexible options
Our lenders provide flexible loan terms, repayment options, and requirements, helping businesses find funding that aligns with their goals
Aftercare support
With expert finance specialists and a vast lender network, we deliver tailored business funding solutions and ongoing support, ensuring your company always has access to the most cost-effective finance options on the market.
Industry compliant
We work with FCA-regulated lenders and ensure full compliance with all industry rules and regulations.
How to apply for asset finance
We make business funding fast, simple, and tailored to you. Our advanced platform intelligently matches your business with the most relevant finance solutions from a wide panel of UK lenders. Whether you’re expanding, managing cash flow, or investing in growth, we’re here to help you access the funding you need, without the hassle.
Get funded in 3 easy steps
1. Tell us about your asset finance loan requirements
Let us know how much you’re looking to borrow, what it’s for, and a few key details about your business. No lengthy forms, just straightforward questions.
2. Review asset finance loan options
We scan over 120 trusted lenders to deliver options tailored to your specific funding needs at the best rates you are eligible for.
3. Receive your asset finance loan within 24 - 48 hours
Once you’ve chosen the best option, we’ll support you through the application, right through to the funds landing in your account.
Asset Finance Calculator, Estimate Your Monthly Repayments
Rate from 4.5%, loans between £5,000 to £25,000,000.
360 overview of the whole UK lending market, all types of legal businesses considered.
Fast decisions, funding from as quickly as 24 hours.
No cost, risk or commitment...and no credit searches.
