Industrial Finance Guide

Industrial Finance Guides - UK Manufacturing Equipment Finance

Practical, expert guides covering every aspect of industrial and manufacturing equipment finance in the UK - from how asset finance structures work to government grants, tax strategy and getting the best rate.

All Industrial Finance Guides

Guide TitleWhat It Covers
UK Government Grants and Finance for Manufacturing Equipment 2026How to combine Made Smarter, Innovate UK and Growth Hub grants with asset finance to reduce the net cost of industrial equipment.
Capital Allowances and Full Expensing for Manufacturing Plant: Finance OptionsHow full expensing works, why HP + full expensing beats finance lease for most manufacturers, and worked examples.
Sale and Leaseback for Industrial Equipment: How It WorksRelease equity tied up in owned plant without disrupting production - a step-by-step guide for UK manufacturers.
Refinancing Industrial Plant: When and How to Get Better RatesWhen refinancing makes financial sense, how to model the break-even on early repayment charges, and what DBF can achieve.
Industrial Equipment Finance for New Businesses: Getting StartedLenders who accept start-ups, what to prepare, and a worked example for an 18-month-old fabrication company.
How to Get the Best Asset Finance Rate for Manufacturing Equipment7 factors that drive your rate, why a broker beats going direct, and how DBF consistently outperforms high-street lenders.
Industrial Equipment Finance for Limited Companies vs Sole TradersRate differences, criteria differences and the true cost of trading as a sole trader vs limited company when financing equipment.
Finance for Used and Second-Hand Industrial MachineryLender appetite for used assets, age restrictions, valuation requirements and a worked example on a 5-year-old CNC lathe.
Industrial Asset Finance Explained: HP, Finance Lease and Operating LeaseClear explanations of all three main structures, a comparison table and a worked example on a £100k machine across all three.
Bad Credit Industrial Equipment Finance: Options for UK BusinessesWhat counts as adverse credit, lenders who specialise in it, and how DBF helped a business with a CCJ finance a £40k packaging machine.
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FAQs

Frequently asked questions

How do I choose the right finance structure for my equipment?

The right structure depends on whether you want to own the asset, your tax position and your cash flow priorities. Our guide 'Industrial Asset Finance Explained' covers HP, finance lease and operating lease side by side with a comparison table to help you decide.

Can I apply for multiple types of finance simultaneously?

Yes. For example, you might combine a government grant (reducing the purchase cost) with HP finance (covering the remaining amount) and claim full expensing on the HP asset. DBF will structure the optimal combination for your situation.

How long does it take to arrange industrial equipment finance?

For straightforward cases with established businesses and new assets, credit-approved terms can be issued within 24–48 hours of a complete application. More complex cases - adverse credit, very large amounts, older assets - typically take 5–10 working days.

Asset finance for business purposes is not regulated by the FCA. Rates shown are indicative as at October 2026 and depend on credit profile, term, asset and deposit. We act as a credit broker, not a lender. Your asset may be repossessed if you do not keep up repayments.

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