Asset Finance
Get the equipment you need without draining cash reserves
Whether you’ve just won a new contract, are fitting out new premises or planning next year’s inventory, getting the right kit – on the right terms – matters. We source essential equipment finance across a panel of 40+ lenders, so you can get what you need without a large upfront cost or drowning in paperwork.
Ways to finance your asset
Hire Purchase
When a piece of equipment underpins how your business makes money, renting can get expensive fast. Hire Purchase (HP) finance lets you secure kit now, spread the cost via instalments and own the asset outright at the end. It suits businesses that want predictability over equipment expected to stay in use for many years.
- Fixed repayments for easier forecasting
- May be able to claim capital allowances benefits, reducing taxable profits
- VAT paid upfront and can be claimed back immediately
- Asset sits on the balance sheet
- Greater flexibility to upgrade equipment
Finance Lease
Not every contract calls for the same equipment – buying assets outright can be limiting. Finance Lease gives you full use of the kit for a defined period, with fixed costs and no long-term ownership commitment. It’s suited to businesses where tech, specifications or capacity requirements can change quickly.
- Fixed rentals over the lease term
- VAT spread monthly and reclaimable
- Lease payments may be offset against tax (professional advice should be sought)
- No capital tied up in depreciating assets
- Options to return, extend or sell the equipment at the end of the agreement
Asset Refinance
Asset Refinance lets you release equity from your equipment, whether you’re funding a new project, need better cash flow during quieter months or want to restructure an existing finance agreement to suit the business today.
- Unlock value from equipment already paid for
- Avoid selling essential assets to free up cash
- Correct funding that no longer matches how you operate
- Bridge short-term cash flow gaps
- Preserve cash for day-to-day operations, wages, suppliers or growth activity
Sale & Hire Purchase Back
When equipment has been paid for outright, Sale & Hire Purchase Back financing can be used within the first 90 days of purchase to spread the cost more evenly over time and inject cash back into your business.
- Fixed repayment term
- Creates financial flexibility compared with outright cost
- Turns sunk cost into working capital
- Preserves asset ownership in the long-term
- Avoid the need to renegotiate overdrafts or traditional loans
How to apply
Whether you’re a growing start-up or listed PLC, our three-step process gives you clarity, avoids wasted time on poorly structured deals and finds the best finance for your goals. Most clients receive a funding decision within 24-48 hours.
Tell us about your business and what you’re trying to achieve.
We’ll arrange a short conversation to discuss what you’re looking to fund, timings and your commercial goals. We’ll also ask for a few documents such as supplier quote/s, latest financials, most recent bank statements and ID to start the process.
Get matched to lender(s).
We identify the best lenders to provide your finance, whether it’s one or a strategic syndicate, and you’ll typically receive the recommended structure and terms within 1-2 days. We’re on hand to answer any questions and refine the approach.
Receive your offer.
We’ll submit your application and handle everything required for approval, from lender questions to additional document submission. We’ll keep you updated throughout and, once approved, will present your offer and assist with the final paperwork so funds can be released.
Why choose Catalyst?
We match finance terms to your asset, not a default policy – terms usually range from one to five years, but we can consider alternatives to align funding with asset life and commercial goals
We don’t work standard hours – your next project or fit-out won’t be held up by our slow responses or turnaround
We fund multi-currency transactions – so you’re not forced to compromise on supplier, scope or timing
Increase your business’s funding potential – with 40+ lenders on our panel, we widen your funding options beyond big bank risk appetites
We manage the process end-to-end – so you can focus on your day job
We get creative when the asset or contract isn’t straightforward –whether it’s staged builds, ownership restructuring or new-start risk, we problem solve instead of working to a template
FAQs
Our experienced team specialises in asset finance where timing, build stages, ownership structures and business age make traditional lenders hesitate. We know how to structure finance that flows through credit cleanly and can answer most questions that arise during the process.
