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Corporate asset finance is a financial solution that enables businesses to acquire essential assets—such as machinery, vehicles, and technology—without the need for substantial upfront capital expenditure.
This type of financing allows companies to spread the cost of these assets over time through structured repayment plans, preserving cash flow and working capital for other operational needs.
By utilising corporate and commercial asset finance, businesses can enhance their operational efficiency, stay competitive, and invest in growth opportunities while maintaining financial flexibility.
If you’d like to know more about corporate asset finance, an Articus Finance Broker can help.
Whether you’d like to make a finance enquiry or simply have
a question about our services, we’re on hand to help.
Corporate asset finance is available to a wide range of businesses, including:
Typically, larger corporations and established businesses with a solid trading history are the primary candidates for asset finance. These businesses often have measurable assets, such as equipment, machinery, or property, which can be used as collateral.
Recent changes in minimum financing levels have made asset finance accessible to smaller businesses and sole traders. Many lenders now cater to SMEs, recognising their potential for growth and the need for financing options.
While more challenging, some asset finance providers may consider startups, particularly if they have valuable assets or a strong business plan that demonstrates potential for success.
Companies that possess identifiable, durable, and saleable assets—such as vehicles, machinery, or technology—are eligible for asset finance. These assets can be used as security against the financing.
Any business looking to expand operations, invest in new equipment, or improve productivity can benefit from corporate asset finance, especially if they lack sufficient funds for outright purchases.
Hotels, restaurants, and catering businesses often require significant investment in furnishings, kitchen equipment, and technology systems. Corporate asset finance allows these establishments to acquire high-quality assets, such as commercial ovens, furniture, and point-of-sale systems, without straining their cash flow. By financing upgrades and renovations, hospitality businesses can improve their facilities and services, leading to enhanced guest experiences and increased customer satisfaction.
Retailers can work with a corporate asset finance company to purchase inventory, display fixtures, and technology systems like inventory management software. This financing enables them to maintain a well-stocked store and invest in the latest retail technology without significant upfront costs. Retail businesses often experience seasonal fluctuations in demand. Asset financing solutions allow them to manage their inventory levels effectively, ensuring they can meet customer needs during peak seasons while maintaining financial stability.
Telecommunications companies require substantial investment in network infrastructure, including towers, routers, and communication equipment. Corporate asset finance enables these companies to upgrade and expand their networks without the burden of large capital expenditures. By financing the latest technology, telecom providers can enhance their service offerings, improve network reliability, and stay competitive in a rapidly evolving industry.
Manufacturing companies often require specialised machinery and equipment, such as lathes, presses, and conveyors, to produce their products. Corporate asset finance enables these businesses to invest in the latest technology and equipment, enhancing productivity and efficiency without significant capital outlay. With the rapid advancement of manufacturing technologies, financing options allow manufacturers to stay competitive by regularly upgrading their equipment and capabilities, thus improving product quality and production speed.
Companies in the energy sector, particularly those focused on renewable energy, can utilise corporate asset finance to acquire solar panels, wind turbines, and other essential equipment. This financing supports their efforts to transition to sustainable energy sources without large initial investments. Asset finance allows energy companies to fund new projects and expand their operations, enabling them to meet growing energy demands while investing in environmentally friendly technologies.
Corporate asset finance can be used to acquire a wide range of assets, including:
The key benefits of corporate asset finance include:
While obtaining corporate asset finance can be more challenging for businesses with bad credit, it is not impossible. Lenders may consider the value of high-quality assets as collateral, which can improve the chances of securing financing despite a poor credit history.
Using a broker to find asset finance lenders can provide several advantages:
Using a broker to find asset finance lenders can provide several advantages:
Our clients are busy people, so we deliver exceptional customer service with a straightforward approach that gets the right result at speed. In a fast-moving and often stressful world, we remove the hassle from your mortgage process.
In the world of high net worth financing, relationships matter. As a whole of market broker, we deal with a full spectrum of lenders from private banks to family offices, so you’ll always have access to the best deals.
Our brokers have decades of experience, wide market knowledge and a deep understanding of your challenges. From international entrepreneurs to portfolio landlords, we understand your world – so we can help you achieve your goals.
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Harry has over 16 years of experience within the Finance, Housing and Development sector. He started off his career as a CIMA Qualified Chartered Accountant and transitioned over to financial services in 2019. During this time he has dealt with a range of complex financial arrangements from ex pat mortgages to large development loans. Harry has a can do attitude and believes there’s a solution to every situation and will work tirelessly to ensure your deal crosses the line. In his spare time Harry likes to play poker, travel and try new cuisines.
Carolina is a multilingual Marketing Manager originally from Portugal. She specialises in International Marketing and Business, helping organisations expand their brand awareness globally over the last 4 years. Her past work includes supporting start-ups to multinational companies in the UK and across Europe. She is a creative and passionate individual, bringing a fresh perspective to the financial industry and delivering high quality research.
In her spare time, Carolina enjoys socialising & travelling around the world, embracing different cultures and experiences.
Antonia brings fantastic planning, organisational and time management skills to her role as office manager, ensuring that operations at Articus run smoothly. An experienced administrator with fantastic problem solving skills, Antonia began her career working in medical administration, so she is highly experienced working with confidential client data.
Matthew has experience working as a mortgage administrator and assisting with clients of any calibre. His main strength is his ability to develop a close relationship to his brokers and clients, allowing for a smooth transition throughout your mortgage journey, his friendly nature helps in making the process a lot less intimidating than it needs to be. Outside of work Matthew spends his time playing Chess and exploring the world with his Girlfriend.
Theo started his journey in the specialist finance industry while working as a journalist at an industry trade magazine. During this time he amassed a great knowledge of mortgages, bridging, development and commercial funding and established a wealth of relationships in the industry. He transferred these skills and now specialises in assisting clients with their specialist finance requirements. Working alongside the CEO, Theo has learnt the nuances of ultra-complex transactions and knows how to most efficiently manage the funding process to completion. Theo aims to achieve the best solution for every client he deals with a particular focus on sourcing funding for developments and refurbishment.
With over 20 years of financial services experience Dino is an accomplished mortgage adviser who relishes the more complex cases, enjoys a challenge and always does everything he can to ensure his clients not only get the result they need but to achieve their property goals. A fully qualified financial adviser Dino quickly realised that property and mortgages were his passion and over the years gained his experience helping investors build their property portfolios. When not working Dino enjoys spending time with his family, loves modern and classic performance cars, popular culture, technology, mountain biking and is a supporter of West Ham United.
Whether you require access to bespoke funding, or need to fund a project of any scale, Samuel will always find a solution to meet the requirements of any client. No matter how complex your case is, through his innovative and determined nature, he can find a structure to finance a client’s plans. As a trained martial artist, Samuel’s passion and confidence carries over into the workplace, and you can expect a clear and concise transaction journey from start to finish.
Jason started in 2012 in financial services working across London’s property and financial services markets for HNW individuals. He is able to construct tailor-made solutions to suit his client’s needs, no matter how complicated. He has completed multi-million pound residential, buy to let and commercial developments across the UK. Jason is a confident and motivated individual whom takes pride in offering an exceptional and professional level of service to all of his clients. Outside of work he enjoys hiking, cycling and traveling the world with his sights set on Base Camp Everest.
Assad prides himself on being open minded and thinking outside the box. Through a personalised approach and consistent communication; Assad’s strong relationships with specialist lenders gives him the ability to reach the ideal outcome for his clients. With a particular strength in dealing with foreign nationals and ex-pats he approaches his clients with a can-do attitude. His attention to detail allows him to actively support his clients and build a long-term relationship by giving a truly tailored approach. Outside of work, Assad is a keen explorer and foodie, regularly travelling to remote destinations and testing out the local cuisines.
Shyan is a global businessman with keen commercial acumen and a deep understanding of the UK property market. Following the successful completion of an undergraduate and postgraduate degree in Mathematics from King’s College London, Shyan has held a range of highly strategic roles, with a focus on UK property investment – meaning he is well versed in the world of HNW property finance. Not only is he an experienced UK landlord, he has an impressive history in the world of property trading, and has played a pivotal role in the completion of a number of large scale development projects with values up to £30 million.
Ollie entered the world of high net worth mortgages after living in Geneva, where he provided tailored financial advice to private clients. This experience shaped his career trajectory, giving him first-hand experience in understanding and communicating the benefits of financial advice – all while developing the ability to build exceptional client relationships. Following this, Ollie moved back to London where he began specialising in mortgages. His drive, ambition and natural flair for anticipating the needs of his clients led him to progress quickly from Client Services to broker, where he honed his skillset after passing his CeMap exams. Outside of work, Ollie is an avid traveller – and an equally keen supporter of his local club, Fulham FC.
Antonio has over a decade’s experience arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking. As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.
Antonio started in financial services in 2006, arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking.
As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.