Doulton Bridging Finance
Asset Finance

Asset Finance

Asset finance from 5.0% APR

Hire purchase, finance lease and operating lease. Construction plant, vehicles and equipment: all asset types considered.

  • Terms 2 to 7 years
  • New and used assets
  • 130+ specialist lenders

Indicative rate. Your rate depends on asset type, term and business profile.

Get Indicative Terms

Asset finance for construction plant, commercial vehicles, agricultural machinery, marine vessels, aircraft, and industrial equipment. Hire purchase, finance lease, and sale-and-leaseback from specialist lenders who understand the asset - not just a credit score. £10k to £10m+, decisions within 24 hours.

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What happens next

  1. Fill in the form (2 minutes).
  2. We'll match you with the right specialist for your situation.
  3. A specialist independent broker will contact you to discuss your options.
From 5.0%
Rates (APR)
130+
Lenders
All Asset Types
Funded
24hr
Decisions
Get a Quote0204 6211776
Asset-Backed Lending

Finance judged on the asset, not just the accounts

Asset finance funds a specific, identifiable machine, vehicle or vessel, and that asset provides the security. Because the lending is asset-backed rather than unsecured, rates are lower, decisions are faster, and businesses that cannot access unsecured lending can often be funded on the strength of the asset alone.

Our specialists work with specialist funders across every asset class in this section - crane and heavy lift lenders, commercial vehicle funders, agricultural lenders who understand seasonal income, marine and aviation specialists with their own valuers, and supercar lenders who value an allocation car at what it is actually worth. These are not generic equipment funders.

877 pages across 54 categories cover the assets we fund most often. If yours is not listed, it can almost certainly still be financed.

Hire Purchase

Own the asset at the end of the agreement. Fixed monthly payments, capital allowances claimable from the point of purchase, and equity building with every payment. The most popular structure for businesses buying assets they intend to keep.

Finance Lease

Use the asset for an agreed term at a lower monthly cost than hire purchase, because the funder retains a residual value. Flexible end-of-term options including a secondary rental period or sale with the proceeds rebated to you.

Sale & Leaseback

Release capital from assets you already own. Sell the asset to a finance company and lease it straight back, typically releasing 70-85% of current open market value while retaining full operational use.

Current rates · Updated November 2026Asset Finance Rates 2026Asset finance rates in 2026 range from 5.5% to 9.5% APR for hire purchase (HP) and 5.0%–8.5% for finance leases, depending on the asset type, business credit profile, loan size, and term.
View the rate guide
Our Products

Asset finance by category

Every asset class our specialists can finance, with a dedicated page for each machine, vehicle and vessel type.

Construction & Plant

Cranes, excavators, piling rigs, telehandlers, dumpers and access equipment. Hire purchase, finance lease and refinance from lenders who value the machine, not just the balance sheet.

Commercial Vehicles

HGVs, artics, tippers, curtainsiders, refrigerated bodies, vans, minibuses and coaches. Single units or full fleets, new and used, with decisions typically inside 24 hours.

Excavators, Loaders & Dumpers

Excavator, wheel loader, backhoe, skid steer, dumper and compactor finance: lender rates, manufacturer finance against a broker, and HP or lease guides.

Cranes, Telehandlers & Access

Mobile and tower cranes, telehandlers, MEWPs and rough terrain material handling: lender rates, Liebherr, Manitou, Merlo, JCB and Genie finance compared.

Concrete, Piling & Road Plant

Concrete pumps and mixers, piling rigs, pavers and road construction plant: October 2026 lender rates and manufacturer finance compared.

Construction Plant Guides

Plant finance rates, HP vs finance lease, used and zero deposit plant, start-ups, sole traders, fleets, adverse credit and sale and leaseback.

Groundworks & Demolition

Mobile crushers and screeners, tipper trucks, grab lorries, ADTs, high-reach demolition rigs and low loaders, with lenders who fund bespoke and specialist plant.

Utilities & Infrastructure

Vacuum excavators, jetting trucks, CCTV survey vehicles, HDD rigs, vacuum tankers, trenchers and bespoke utility vehicles, with the specialist body funded alongside the chassis.

Quarrying & Aggregates

Quarry loaders, haul trucks, surface drilling rigs, crushing and screening plant, quarry excavators and volumetric mixers, including off-highway plant most lenders decline.

Commercial Vehicle Finance

Vans, HGVs, rigid trucks, tippers, trailers, minibuses and specialist vehicles, with the best rates across the commercial vehicle market in October 2026.

Vans & Electric Vans

Van finance lender rates, Ford, VW, Mercedes and Renault finance against a broker, electric van finance and the OZEV grant, sole traders and new businesses.

HGVs, Rigid Trucks & Tippers

HGV, artic, rigid truck and tipper finance: lender rates, DAF, Volvo, Scania, MAN, Iveco and Mercedes finance against a broker, owner-drivers and used trucks.

Trailers, Refrigerated & Specialist

Curtainsider, flatbed, low loader and fridge trailers, refrigerated vans and trucks, tankers, car transporters, horseboxes and other specialist vehicles.

Minibuses & Industry Fleets

Minibus and coach lender rates, plus fleet finance for couriers, skip hire, scaffolding, food distribution, schools, care homes, funeral directors and ULEZ upgrades.

Commercial Vehicle Guides

HP vs contract hire, rates explained, bad credit and CCJs, start-up hauliers, owner-drivers, O-licences, fleet replacement, capital allowances and VAT.

Agricultural & Farming

Tractors, combines, machinery, livestock, grain stores, irrigation and forestry equipment. Structured around seasonal cash flow rather than a flat monthly profile.

Forestry & Arboriculture

Timber harvesters, forwarders, woodchippers, stump grinders, forestry tractors and Unimogs, and tree surgery equipment, including interest-only starts for seasonal work.

Industrial & Manufacturing

CNC and laser cutting machines, medical and dental equipment, food processing lines, brewery kit, printing presses, ovens and garage equipment. Funded on the asset's value and working life.

Yachts & Marine

Motor yachts, sailing yachts and superyachts from every major builder. Marine mortgage and hire purchase from lenders with their own marine valuers and surveyors.

Boats & Inland Waterways

Narrowboats, widebeams, Dutch barges and houseboats, plus RIBs, motorboats and sports boats. Includes liveaboard vessels used as a main residence.

Commercial Marine

Charter fleets, trawlers and inshore fishing boats, crew transfer vessels, pilot boats and harbour craft. Lenders who underwrite against charter and contract revenue.

Specialist Marine Finance

Classic and electric boats, jet skis, marina berths, marine engines and equipment, marine businesses, insurance premium finance and imported yachts.

Marine Finance Rates

October 2026 lender rate comparisons for every leisure and commercial vessel type, from jet skis and narrowboats to superyachts, ferries and offshore support vessels.

Commercial Marine Finance

Ferries, inland waterway craft, offshore support vessels, survey ships and tugs, plus refinancing, VAT, grants, crew, ship repair and port equipment finance.

Commercial Vessel Types

Trawlers, scallopers and shellfish boats, charter fleets, RoPax and river ferries, hotel boats and cargo barges, CTVs and SOVs, survey vessels, dredgers, harbour tugs and pilot boats.

Leisure Marine Guides

How to finance each type of boat, marine mortgage vs hire purchase, refits, berths, liveaboards, charter use, refinancing and buying from abroad.

Commercial Marine Guides

How lenders assess fishing vessels, ferries, charter operators, inland waterway craft, crew transfer vessels, survey vessels and tugs.

Aircraft & General Aviation

Microlights, gliders and autogyros through to Cessna, Piper, Cirrus and Beechcraft. Hire purchase and finance lease alongside CAA aircraft mortgage registration.

Turboprops & Business Jets

King Airs, PC-12s and TBMs through to Citations, Gulfstreams, Globals and Falcons. Specialist aviation lenders and private banks, UK and offshore registered.

Helicopters & Commercial Aviation

Piston and turbine helicopters from Robinson, Airbus and Bell, plus flight training fleets, commercial drones and CAA-qualified flight simulators.

Helicopter Types & Guides

Airbus, Leonardo, Bell, Robinson and Sikorsky types, plus air ambulance, offshore, police, charter and training operators. Model-level deposits, terms and worked examples.

Helicopter Lender Rates

October 2026 helicopter finance rates and criteria lender by lender, from the clearing banks to specialist aviation funders.

Commercial Aviation

Finance for AOC holders, charter and regional airlines, cargo and training organisations: ATR, Dash 8, A320, 737, Caravan and King Air fleets, PDP and wet or dry lease structures.

Turboprop Types & Guides

King Air, PC-12, TBM, Caravan and Piper turboprops, first-turboprop step-ups, import, refinance and fleet funding.

Turboprop Lender Rates

October 2026 turboprop finance rates and lender profiles, with when each lender fits.

Business Jet Types & Guides

Citation, Phenom, Challenger, Global, Gulfstream and Falcon finance, plus SPV, non-dom, syndicate, PDP and operating lease structures.

Business Jet Lender Rates

October 2026 business jet finance rates and lender profiles, from private banks to specialist aviation lenders.

Supercars & Prestige Cars

Hire purchase, lease purchase, PCP and equity release for supercars, prestige cars and classics. Independent of the manufacturer finance arms, so the whole specialist lender market competes for the deal.

Supercar Brands

Ferrari, Lamborghini, McLaren, Porsche, Aston Martin, Bentley and Rolls-Royce through to Bugatti, Pagani and Koenigsegg. Specialist lenders who value allocation cars at market, not list.

Supercar Models

Model-level finance for the cars buyers search by name - 911, 458, 488, Huracan, Urus and Ghost. Advance rates reflect the specific variant's secondary market, not a generic brand average.

Supercar, Prestige & Classic Guides

First supercar, no deposit, adverse credit, non-UK residents, auction, import and collection finance, plus prestige PCP and classic car restoration.

Supercar Lender Rates

October 2026 supercar and prestige car finance rates, lender by lender, from private banks to specialist motor finance houses.

Refinance & Capital Release

Release capital from assets you already own. Sale and leaseback, asset refinance and plant refinance typically release 70-85% of current open market value while you keep using the asset.

Lender Rates: Trucks & Plant

HGV, truck and plant finance rates from the main independent lenders, and how the manufacturer schemes from DAF, Volvo, Mercedes-Benz, JCB and Caterpillar compare.

Lender Rates: Farm & Business Equipment

Tractor finance from John Deere, AGCO, CNH and Close Brothers against the independent market, plus dental, IT, solar and catering equipment rates.

Lender Rates: Supercars, Marine & Aviation

Manufacturer finance from Ferrari, Lamborghini, Porsche and McLaren compared with JBR Capital and the specialist panel, plus marine, aircraft, private jet and helicopter lender rates.

Manufacturing Equipment & Automation

Robotics, forklifts, warehouse automation, injection moulding, 3D printing, print and packaging, and welding and fabrication plant, with lender rates for each category.

Industrial Finance Guides

Capital allowances and full expensing, grants, used machinery, new businesses, bad credit and getting the best rate on manufacturing equipment.

Farm Machinery & Vehicles

Tractors, combines, sprayers, telehandlers, balers and foragers, livestock and dairy equipment, and farm vehicles, with lender comparisons for each.

Farm Infrastructure & Diversification

Farm buildings, grain drying, slurry and polytunnels, renewables from solar to anaerobic digestion, and diversification into holiday lets, glamping, farm shops and vineyards.

Agricultural Finance Guides

Rates, lenders, tax benefits, seasonal repayments and how new, young and tenant farmers get approved.

Asset Finance Guides

How the products actually differ, what deposit you need, how start-ups get funded, and how sale and leaseback works in practice.

Marine & Aviation Guides

The parts of marine and aircraft finance that behave nothing like equipment finance: marine mortgages, ship and CAA register security, surveys, VAT status, and deposits.

Supercar Finance Guides

How supercar finance actually works: the HP, PCP and lease purchase decision, what deposit each type of car needs, the company-ownership tax position, and how complex income is assessed.

FAQs

Frequently asked questions

What assets can the specialists Doulton introduces arrange finance for?

Any business asset with an identifiable secondary market value. That covers construction plant and cranes, commercial vehicles from vans to 44-tonne artics, agricultural machinery and livestock, industrial and manufacturing equipment, medical and dental equipment, marine vessels, and aircraft. Facilities run from around £10,000 to £10m and above.

What deposit do I need for asset finance?

Most asset finance requires 10-20% of the asset value. Commercial vehicles and construction plant sit at the lower end, cranes and specialist lifting at 15-25%, and marine and aviation typically at 20-30%. Trading history, previous asset finance, and buying new from a major manufacturer all reduce the deposit required.

Should I use hire purchase or a finance lease?

Hire purchase transfers ownership to you on the final payment and lets your business claim capital allowances from the point of purchase. A finance lease keeps title with the funder, gives lower monthly payments, and suits assets you plan to refresh regularly. Our specialists model both on your specific asset before recommending one.

Can a new business get asset finance?

Yes. Specialist lenders fund new and recently formed businesses routinely because the asset itself provides the primary security. Director sector experience is the most important factor, and new businesses should budget for a 20-30% deposit rather than 10-15%.

How quickly can asset finance be arranged?

Most asset finance decisions come back within 24 hours, and higher-value or more specialist assets such as crawler cranes or aircraft typically within 24-48 hours. We settle directly with the dealer, manufacturer or private seller once approved.

Can I release capital from equipment I already own?

Yes. Sale and leaseback and asset refinance let you sell an unencumbered asset to a finance company and lease it back, releasing capital while keeping the asset in operation. Typical release is 70-85% of current open market value depending on asset type, condition, and lender appetite.

Ready to finance your next asset?

Tell us the asset, the price, and a little about the business. We source terms across 130+ specialist lenders and come back with indicative rates, deposits and monthly costs clearly compared.

Get a QuoteCall 0204 6211776
Free · No obligation · Takes 2 minutes

Ready to see what you could be offered?

Tell us about your requirements and we'll match you with the right specialist for your situation. A specialist will contact you directly.

Get Indicative TermsCall 0204 6211776