Haydock Finance Review

Item: Haydock Finance Business Finance
Author: Lendus

Figures last checked 23 August 2026. Independent review by Lendus — we are an introducer, not a lender, and are not paid by Haydock Finance.

What does Haydock Finance offer UK businesses?

Haydock Finance does not offer a direct lending product. Priced per deal. Figures checked 23 August 2026 and indicative only.

Haydock Finance is a Blackburn-based asset finance provider active since 1980, offering hire purchase, finance lease, refinance and chattel mortgage facilities to UK SMEs, as well as participating in the government-backed Growth Guarantee Scheme. Haydock lends through brokers and vendors across a range of equipment sectors, including waste and recycling, and is a patron member of the National Association of Commercial Finance Brokers (NACFB) and an accredited British Business Bank delivery partner.

Written by the Lendus editorial team. Last updated: April 2026.

Amount

£5k – £500k

Rates

N/A – N/A

Priced per deal; no public rate card

Speed

Not publicly stated; timescales are assessed per deal.

What is Haydock Finance?

Haydock Finance (Haydock Finance Limited) is a UK-based business finance provider founded in 1980 and headquartered in Blackburn. Haydock Finance is a Blackburn-based asset finance provider active since 1980, offering hire purchase, finance lease, refinance and chattel mortgage facilities to UK SMEs, as well as participating in the government-backed Growth Guarantee Scheme. Haydock lends through brokers and vendors across a range of equipment sectors, including waste and recycling, and is a patron member of the National Association of Commercial Finance Brokers (NACFB) and an accredited British Business Bank delivery partner. .

Founded 1980 Blackburn Haydock Finance Limited states on its own website that it is regulated by the Financial Conduct Authority. Lendus could not independently confirm Haydock's specific FCA firm reference number from a primary source as of 2026-08-23, as it is not published on the lender's site and the FCA Register's search tool could not be queried programmatically.

Where these details come from

Companies House number: find-and-update.company-information.service.gov.uk , checked 2026-08-23
Regulatory status: haydockfinance.co.uk , checked 2026-08-23

Rates and costs

Rate range: N/A – N/A (Priced per deal; no public rate card)
Representative APR: Haydock Finance does not publish a representative APR; asset finance is priced per deal.
Amount range: £5,000 – £500,000
Approval speed: Not publicly stated; timescales are assessed per deal.

Eligibility requirements

Minimum trading history: Not publicly stated; assessed as part of underwriting.
Minimum turnover: Not publicly stated; deals are assessed on a case-by-case basis.
Credit requirements: Haydock does not publish standard credit criteria for asset finance. Facilities are secured against the financed asset, with underwriting based on the business's financials, the asset type, and deal structure.

How to apply

Check eligibility through Lendus, answer a few questions about your business and funding needs (2 minutes)

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Pros and cons

Pros

Over 40 years of trading history as an FCA-regulated asset finance lender
Broker- and vendor-led model with sector specialism, including waste and recycling equipment
Accredited delivery partner for the government-backed Growth Guarantee Scheme
NACFB patron member

Cons

No public rate card; pricing is quoted per deal so it is hard to compare in advance
Does not publish its FCA firm reference number on its own website
No published minimum turnover or trading history requirement, so eligibility can be unclear upfront

Is Haydock Finance right for you?

Best for

UK SMEs seeking hire purchase, finance lease, refinance or chattel mortgage from an established, broker-led asset finance specialist

Not ideal for

Businesses wanting an upfront published rate card or to deal direct without a broker/vendor introduction

Frequently asked questions about Haydock Finance

Is Haydock Finance legit?

Yes. Haydock Finance Limited is an active company registered at Companies House (company number 01526882), trading since 1980, and it states on its own website that it is regulated by the Financial Conduct Authority.

What asset finance products does Haydock Finance offer?

Haydock offers hire purchase, finance lease, refinance and chattel mortgage, and is an accredited delivery partner for the government-backed Growth Guarantee Scheme.

What are Haydock Finance's rates?

Haydock does not publish a public rate card or representative APR. Pricing is quoted per deal based on the asset, deal structure and the applicant's financials.

Is Haydock Finance FCA regulated?

Haydock states on its website that it is regulated by the Financial Conduct Authority, but does not publish its firm reference number publicly, so Lendus has not been able to independently confirm the specific FRN.

Does Haydock Finance lend direct or through brokers?

Haydock operates primarily through brokers and equipment vendors, alongside direct sector relationships such as waste and recycling equipment finance.