Praetura Asset Finance Review

Item: Praetura Asset 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 Praetura Asset Finance.

What does Praetura Asset Finance offer UK businesses?

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

Praetura Asset Finance is a Blackburn-based specialist lender, part of the Manchester-headquartered Praetura Group, incorporated in 2013. It provides hire purchase, finance lease and asset refinance to UK SMEs, and is regulated by the Financial Conduct Authority for consumer credit lending activities. Praetura Group also runs sister businesses in invoice finance and venture capital.

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 Praetura Asset Finance?

Praetura Asset Finance (Praetura Asset Finance Limited) is a UK-based business finance provider founded in 2013 and headquartered in Blackburn. Praetura Asset Finance is a Blackburn-based specialist lender, part of the Manchester-headquartered Praetura Group, incorporated in 2013. It provides hire purchase, finance lease and asset refinance to UK SMEs, and is regulated by the Financial Conduct Authority for consumer credit lending activities. Praetura Group also runs sister businesses in invoice finance and venture capital. .

Founded 2013 Blackburn Praetura Asset Finance Limited is authorised and regulated by the Financial Conduct Authority in respect of consumer credit lending activities. FCA firm reference number 737408.

Where these details come from

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

Rates and costs

Rate range: N/A – N/A (Priced per deal; no public rate card)
Representative APR: Praetura Asset 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: Praetura 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)

We compare Praetura Asset Finance against 200+ other lenders to find the best match for your situation

Review your matched options, see rates, terms, and eligibility from multiple providers including Praetura Asset Finance

Choose the best offer and complete the application with your matched lender directly

Pros and cons

Pros

FCA-authorised specialist lender within the wider Praetura Group
Focused product set: hire purchase, finance lease and asset refinance
Part of a group with sister invoice finance and venture capital businesses, useful for SMEs needing multiple funding types
Direct enquiries route via its own regional office in Blackburn

Cons

No public rate card; pricing is quoted per deal so it is hard to compare in advance
No published minimum turnover or trading history requirement, so eligibility can be unclear upfront
Smaller, more regionally-focused lender than some national asset finance banks

Is Praetura Asset Finance right for you?

Best for

UK SMEs seeking hire purchase, finance lease or asset refinance from a specialist regional lender, especially those that may also need invoice finance from a sister business

Not ideal for

Businesses wanting an upfront published rate card or a large national lender with branch presence across the UK

Praetura Asset Finance alternatives

If Praetura Asset Finance isn't the right fit, consider these alternatives:

Close Brothers Haydock Finance Shire Leasing Propel Finance

Frequently asked questions about Praetura Asset Finance

Is Praetura Asset Finance legit?

Yes. Praetura Asset Finance Limited is an active company registered at Companies House (company number 08426091), incorporated in 2013, and is authorised and regulated by the Financial Conduct Authority under FCA firm reference number 737408.

What asset finance products does Praetura Asset Finance offer?

Praetura offers hire purchase, finance lease and asset refinance to UK SMEs.

What are Praetura Asset Finance's rates?

Praetura 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 Praetura Asset Finance FCA regulated?

Yes. Praetura Asset Finance Limited is authorised and regulated by the Financial Conduct Authority in respect of consumer credit lending activities, under FCA firm reference number 737408.

Is Praetura Asset Finance part of a wider group?

Yes. Praetura Asset Finance is part of the Manchester-headquartered Praetura Group, which also includes Praetura Invoice Finance and Praetura Ventures.