Asset Finance
Finance equipment & vehicles, without large upfront costs
Get approved in 24-72 hours with access to 250+ UK lenders
Get started
Get funding in three simple steps
Check
Answer a few quick questions about your business and funding needs. No credit check required at this stage.
Chat
A dedicated Spark adviser will discuss your options and recommend the best funding structures for you.
Receive
Once approved, funds are released quickly - often within 24-48 hours of completing your application.
Intelligent Lending
Our proprietary matching platform and data infrastructure gives UK SMEs access to the right lender faster than any traditional route.
Equipment or vehicle funding?
Vehicles & Fleets
Finance vans, cars, lorries and entire commercial fleets with flexible hire purchase or finance lease agreements tailored to your business.
Machinery & Equipment
Acquire industrial machinery, manufacturing equipment or specialist tools with competitive rates and terms from 1-7 years.
IT & Tech
Keep your technology current without large capital expenditure. Finance servers, devices, software licences and entire IT infrastructure.
Asset Refinancing
Release capital tied up in assets you already own. Use the funds to reinvest in your business or improve working capital.
Why businesses choose us
Flexible
Repayment terms from 1-7 years with fixed monthly payments that suit your cash flow.
Specialists
Our advisers specialise in asset finance and have deep relationships with asset lenders.
Fast decisions
Most applications receive a decision within 24-72 hours of submission.
Tailored solutions
We match you with lenders whose products fit your sector, asset type and business profile.
Finance by Industry
Fund equipment, vehicles, plant hire and working capital for construction projects of all sizes.
See Construction finance options →Asset Finance FAQs
Asset finance is a way for businesses to acquire equipment, vehicles or machinery by spreading the cost over time rather than paying upfront. It includes hire purchase, finance lease, and operating lease agreements.
Asset Finance across the UK
Spark Finance arranges asset finance for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
South East
East of England
Midlands
North West
Yorkshire
Scotland
Northern Ireland
Available in 173 cities and towns across the UK. Contact us if your location is not listed above.
What our clients say
Don't just take our word for it. Hear from the businesses we've helped access the right finance.
SECURE YOUR FINANCE"Could not recommend Finn more highly enough. Fantastic service and communication from start to finish. Was happy to answer 100 questions and always there for any support."
James
Verified Trustpilot Reviewer
"Charlie was amazing throughout the entire process! He responded quickly to all our queries and kept us informed every step of the way. His support and dedication made the experience smooth and stress-free. Highly recommend working with him!"
Sarah T.
Verified Trustpilot Reviewer
Business finance resources
14 MIN READThe Complete Guide to Asset Finance for UK Businesses (2026)
Everything UK business owners need to know about asset finance: how hire purchase, finance lease and operating...
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