Asset finance
Get the equipment your business needs, without the upfront cost.
Fund vehicles, machinery, equipment, and technology without draining your cash reserves. Spread the cost over time and get to work straight away.
WHAT'S INCLUDED
£50,000 – £500,000
Loan amount
6 – 60 months
Repayment term
No assets needed
Unsecured lending
Fixed monthly payments
No surprise charges
No early repayment fees
Repay whenever you're ready
Won’t affect your credit score
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
What is asset finance?
Asset finance lets your business acquire the vehicles, machinery, equipment, or technology it needs, without paying the full cost upfront. Instead of tying up your working capital, you spread the cost over a fixed term with predictable monthly repayments.
You get access to the asset immediately and start generating value from it straight away.
The types of assets we finance include:
Vehicles & fleets
Cars, vans, HGVs, specialist vehicles, and full fleet financing.
Machinery & plant
Manufacturing equipment, construction plant, agricultural machinery.
Technology & IT
Servers, software systems, point-of-sale, telecoms infrastructure.
Equipment & fit-out
Catering equipment, medical devices, retail fit-out, specialist tools.
£500k
Best suited for
Businesses that need equipment or vehicles to operate or grow, but don’t want to tie up cash or wait to save the full purchase price.
Do I own the asset?
This depends on the type of agreement. With hire purchase, you own the asset at the end of the term. With finance leasing, you use it for the agreed period. We’ll explain your options clearly before you commit.
What are the advantages of asset finance?
Asset finance is one of the most effective ways to grow your operational capacity without straining your cash flow. Here’s an honest comparison.
- Advantages
- Preserve cash flow — no large upfront outlay
- Use the asset while you pay for it
- Fixed repayments — easy to budget
- Decision in 24 hours
- Repay early with zero penalties
- Available across a wide range of asset types
- Disadvantages
- Total cost is higher than outright purchase
- Asset may be repossessed if payments are missed
- You may not own the asset until the end of term
- Requires 12+ months trading history
The process
How do I apply for an unsecured business loan?
Simple, fast, and designed to cause as little disruption to your day as possible.
Apply in minutes
A quick online form. Tell us about your business and how much you need.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
We say yes
A real person reviews your application and comes back to you within 24 hours.
Money in your account
Sign your agreement and the funds are on their way — often the same day.
Costs
How much will asset finance cost me?
Your rate is personalised and confirmed before you commit. Based on our representative APR of 18.9%, here are some illustrative examples:
| Loan amount | Acceptance | High street bank | Total repayable |
|---|---|---|---|
| £50,000 | 24 months | £2,510 | £60,240 |
| £100,000 | 36 months | £3,640 | £131,040 |
| £200,000 | 48 months | £5,820 | £279,360 |
| £350,000 | 60 months | £9,030 | £541,800 |
| £500,000 | 60 months | £12,920 | £775,200 |
18.9%
What fees are there?
None hidden. Interest is built into your fixed monthly repayment — that’s the only cost.
Can I repay early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Work out your loan
What will my asset finance repayments be?
Get an instant estimate based on the asset value and your preferred term. No credit impact.
- Finance £50,000 to £500,000
- Terms from 6 to 60 months
- Buy stock or inventory
- No early repayment penalties
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
Features
What do you get with Acceptance asset finance?
Borrow £50k – £500k
Choose the exact amount your business needs.
6 to 60 month terms
Pick a term that matches your cash flow — short or long.
Fixed monthly repayments
Know exactly what you owe each month. No surprises.
All major asset types
Vehicles, machinery, equipment, technology — we cover them all.
Repay early, fee-free
Pay off your loan early at any time — no penalties.
Human decisions
A real person reviews every application — not just an algorithm.
Eligibility
What do I need to apply for an unsecured business loan?
Company registration number
We'll use your company registration number to verify your business with Companies House.
3–6 months of bank statements
Your recent bank statements help us understand your trading performance and make a fair decision quickly.
Annual turnover
We need to see that your business generates at least £50,000 per year in revenue.
Time trading
Most applications require at least 12 months of trading history, if you're newer, get in touch and we may still be able to help.
Your contact details
We'll need your name, email address, phone number, and your role within the business.
What we offer
Who is eligible for an unsecured business loan?
We lend across all sectors. Meet the basics below and there’s a strong chance we can help.
Based in the UK
Your business must be registered and actively trading in the United Kingdom.
Trading 12+ months
We need to see at least 12 months of trading history to assess your business’s affordability.
£50,000+ annual turnover
Your business must generate a minimum of £50,000 per year in revenue to service the loan comfortably.
Director, owner, or partner
The application must be made by someone with the legal authority to take on debt on behalf of the business.
Not currently insolvent
Your business must not be in administration, liquidation, or have an outstanding unpaid County Court Judgement (CCJ).
We welcome applications from limited companies, sole traders, partnerships, and LLPs — including businesses with an imperfect credit history.
Put it to work
What can you do with funding from Acceptance?
- Hire more staff
- Open a new location
- Buy stock or inventory
- Launch a campaign
- Stabilise cash flow
- Upgrade equipment
- Expand or renovate
- Consolidate debt