Hire Purchase

Invest and grow without compromising cashflow

Having to pay upfront for brand new equipment or machinery can be expensive and impact your cashflow.

With Hire Purchase you have the option to pay for new equipment with manageable amounts over a period of time, or you can unlock the value in your existing assets by refinancing them. Either way you’re able to maintain a stable cashflow and release cash to develop your business.

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What is Hire Purchase?

With Hire Purchase you can obtain new equipment or machinery without having to buy it outright. Whether you need to finance hardware or software; machinery, equipment or commercial vehicles, you can have all the benefits of ownership without compromising your cashflow.

How does it work?

We buy the equipment outright on your behalf, so you don’t have to bear the upfront costs. You then repay manageable amounts over a period of time. Unlike with Leasing, at the end of the term the asset is yours.

We offer payment holidays, low deposits and deferred VAT payments, as well as guaranteed early settlements. We can also consolidate your existing hire purchase facilities into a single package.


Flexible payment structures and fixed monthly repayments


The ability to refinance existing assets


Tax efficient, as assets are treated as ‘own’

Key Benefits

Cashflow Friendly

Cashflow Friendly

Easing cashflow pressure at critical times



Deposits and term lengths to suit your needs



Fixed payments over an agreed period



Funding a wide range of hard and soft assets



Understanding your clients’ short and long-term needs

“Asset based finance is a longer-term option, making it easier for companies to plan for the future”

Asset Based Finance Association

Is Hire Purchase and re-financing right for you?

Hire Purchase could be exactly what you need if you:

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tick Would like to spread out the cost of buying new equipment or machinery

tick Are an established business and can demonstrate that the repayments are affordable

tick Have assets or need to purchase new ones but need to minimise the impact on your cashflow

tick Would like to structure payments to suit your cashflow

Guide to asset finance

Want to learn more?

Download our guide to learn more about asset finance.

Make an enquiry

To find out how we can help simply fill in your details below and we will be in touch to discuss your specific business needs.