Asset & equipment finance
Asset finance for the kit your business runs on.
Fund equipment, machinery, vehicles and IT with hire purchase or leasing — or release cash from assets you already own — without tying up your working capital.
Check asset finance fit
Step 1 of 6Submitting your information...
This usually takes a few seconds
Thanks for Your Submission
We will be in touch.
We've sent you a text
Enter the 6-digit code we just texted to your mobile number.
Didn't receive a code? Check your SMS messages.
Something went wrong
Please try again in a moment.
Get started
Compare your options in one short enquiry — it takes about 60 seconds.
Check asset finance optionsFree to enquire · subject to status and provider criteria
- Spread the cost of equipment, machinery and vehicles over time.
- Preserve working capital instead of paying large sums up front.
- Option to release cash from assets you already own (refinance).
What asset finance is
Asset finance lets a business acquire equipment, machinery, vehicles or IT and pay over time, rather than in one lump sum. Common structures include hire purchase (you own the asset at the end) and leasing (you use the asset for an agreed term).
Asset refinance
If your company already owns valuable assets, asset refinance (sometimes called sale-and-leaseback) can release cash tied up in them while you keep using them — a way to improve working capital without selling equipment outright.
Who asset finance suits
It suits UK limited companies that rely on equipment or vehicles — from trades and manufacturing to logistics and professional services — and want to protect cash flow. Facilities are for business use, not personal use.
How Muve handles your enquiry
Muve captures a few details about your business and the asset or funding need, then reviews and routes the enquiry manually. Lender names and routing rules are not shown on the public page.
Why compare with Muve
- For UK incorporated businesses.
- Manual review before routing to a finance partner.
- Introducer, not a lender.
Pros and cons
Pros
- Spread the cost of equipment instead of paying up front.
- Preserves working capital for the rest of the business.
- Can release cash from assets you already own (refinance).
Watch-outs
- You pay more than the cash price over the term.
- Leased assets aren't owned unless you buy at the end.
- For business-use assets only.
What it costs
Asset finance is priced through the instalments over the term (interest plus fees) versus the cash price. Compare hire purchase against leasing, and factor in what the asset is worth at the end.
- The asset, its price and expected working life.
- Hire purchase vs lease structure.
- Deposit, term and any fees.
What you'll need to enquire
- Your registered company name (we'll find you on Companies House).
- The asset(s) you want to fund or refinance.
- Whether you want to own the asset at the end.
- Your annual turnover and trading history.
Ready to see which finance routes could fit?
Check asset finance optionsFrequently asked questions
What's the difference between hire purchase and leasing?
With hire purchase you typically own the asset once payments finish; with a lease you use the asset for a term and hand it back or renew. Which fits depends on whether you want ownership and how you use the asset.
Can I raise cash from assets I already own?
Often, yes — asset refinance can release cash from owned business assets while you keep using them. Availability depends on the asset and the provider, and is subject to status.
What can be financed?
Commonly equipment, machinery, commercial vehicles, plant and IT. It must be for business use. What's acceptable depends on the provider.
Who can apply?
Asset finance through Muve is for UK incorporated businesses — limited companies, PLCs and LLPs — funding assets for business use.
Written by the Muve editorial team.