Learn about hire purchase, finance lease, and operating lease options serving Cardiff and Wales businesses. Matching begins after you apply; a soft credit check may be used for matching.
Rates
From 4.8% APR
HP, lease, or refinance
Amounts
£5k - £2M
Speed
24-48 hours
Cardiff
22k
businesses
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Asset finance lets businesses spread the cost of equipment, vehicles, and machinery over monthly payments instead of paying upfront. The asset itself acts as security, which means rates are typically lower than unsecured loans and approval is faster.
You choose the asset you need, apply for finance, and if approved, the lender purchases the asset on your behalf. You make monthly payments over an agreed term (typically 12-60 months). At the end, depending on the finance type, you either own the asset outright (hire purchase), return it (operating lease), or pay a balloon payment (finance lease).
You own the asset at the end of the agreement. Claim capital allowances. Typical rates from 4.8% APR.
Tax-efficient, claim 100% of lease payments against profit. Return or buy at the end via balloon payment.
Off balance sheet. Always have the latest equipment. Return at the end of the term.
Borrow £35,000 at 5.9% over 48 months. Monthly repayment: ~£825. Total repayable: ~£39,600. Your rate depends on your circumstances.
Ready to compare asset finance in Cardiff?
For UK limited companies with 3+ months’ trading and monthly revenue.
Cardiff is the capital and largest city of Wales, functioning as the country's administrative, financial, and cultural centre, with a large public sector presence complemented by growing financial and professional services firms. The city's media and creative sector is significant, anchored by BBC Wales, S4C, and a cluster of independent production companies that benefit from Wales' strong TV and film tax credits, making Cardiff Bay an established media hub. Cardiff's economy has diversified strongly over the past decade, with Cardiff Business District attracting major financial services employers including Legal & General, Admiral Group, and Zurich Insurance. With 22k registered businesses across Wales, Cardiff has strong demand for competitive asset finance.
Funding availability depends on the business and finance required in the Wales area. Whether your Cardiff business needs vehicles and vans or construction plant and machinery, lenders assess each application individually.
Several specialist lenders on our panel work with Cardiff businesses that have imperfect credit histories. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender. Check your options when you apply.
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Explore FundingFor UK limited companies with at least 3 months’ trading and monthly revenue.