Learn about hire purchase, finance lease, and operating lease options serving Southampton and South East England 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
Southampton
16k
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 Southampton?
For UK limited companies with 3+ months’ trading and monthly revenue.
Southampton is home to one of Europe's busiest container ports, making it a critical node in the UK's import and export supply chain, with the port handling around 45 million tonnes of cargo and serving as the UK's leading cruise ship terminal. The city has a significant healthcare and life sciences sector, anchored by University Hospital Southampton, one of the largest NHS foundation trusts in the country, and a cluster of medical technology and clinical research organisations. Southampton's financial services sector, including major operations from Skandia and Carnival Corporation, complements the city's strong maritime-linked professional services economy. With 16k registered businesses across South East England, Southampton has strong demand for competitive asset finance.
Funding availability depends on the business and finance required in the South East England area. Whether your Southampton business needs vehicles and vans or construction plant and machinery, lenders assess each application individually.
Several specialist lenders on our panel work with Southampton 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.