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Asset finance is a flexible funding solution that allows UK businesses to acquire essential equipment, vehicles, or machinery without paying the full purchase price upfront. Instead, you spread the cost over manageable monthly repayments.

This type of finance helps companies preserve working capital, making it easier to manage cash flow and reinvest in other areas of the business.

Asset finance is especially popular in industries such as transport, construction, manufacturing, and agriculture, where high-value assets are crucial for daily operations.

By choosing asset finance, you can get the tools you need today, while paying for them over time in a way that suits your budget and growth plans.

Speak to MV Asset Finance today to find out how asset finance can support your business goals.

There are several types of asset finance available in the UK, each offering different benefits depending on your business needs:

• Hire Purchase: You make regular payments over a set term and own the asset at the end of the agreement.
• Finance Lease: You lease the asset and use it as if it were your own, but ownership remains with the lender. At the end of the term, you can often extend or upgrade the lease.
• Operating Lease: Ideal for short-term use, you lease the asset for a specific period and return it when the contract ends.
• Asset Refinance: You use existing equipment or vehicles as security to release cash tied up in your business.

Each option has its advantages. For example, hire purchase suits businesses that want ownership, while leasing offers flexibility and lower upfront costs.

Contact MV Asset Finance to discuss which asset finance type best fits your business strategy.

Most UK-based businesses can apply for asset finance, including limited companies, sole traders, and partnerships.

Lenders typically look for businesses that have been trading for at least 6 to 12 months, demonstrate steady cash flow, and have a good credit record.

However, even if your business is new or has limited credit history, MV Asset Finance works with a range of trusted lenders who can consider alternative solutions, such as larger deposits or guarantor-backed agreements.

If you're unsure whether you qualify, our team can help assess your eligibility and find the right funding option to suit your circumstances.

Speak to MV Asset Finance today to check your eligibility and start your application with confidence.

Asset finance can be used to fund a wide range of business equipment and vehicles, from large-scale industrial machinery to everyday tools of the trade. Common examples include:

• Trucks, vans, and trailers
• Construction and plant machinery
• Agricultural and farming equipment
• Manufacturing and production machinery
• IT systems, office furniture, and software

If it's a tangible business asset with a measurable value, it can likely be financed. Whether you're upgrading your fleet, investing in new technology, or replacing old equipment, asset finance provides a smart and scalable way to grow.

Contact MV Asset Finance today to find out what types of assets you can finance through our flexible solutions.

Asset finance offers a range of powerful benefits that make it one of the most popular business funding options in the UK:

• Preserve cash flow: Avoid large upfront payments and spread costs over time.
• Access modern equipment: Stay competitive with the latest vehicles or machinery.
• Fixed monthly repayments: Easier budgeting with predictable costs.
• Tax efficiency: Many agreements offer potential tax advantages.
• Asset-backed security: The asset itself often serves as collateral, reducing risk.

These benefits make asset finance an ideal choice for growing businesses looking to balance financial flexibility with long-term investment.

Speak to MV Asset Finance to learn how asset finance can strengthen your business and improve cash flow.

In most cases, the asset you're financing acts as its own security, meaning there's no need for additional collateral.

However, some lenders may ask for a deposit (usually between 5% and 10%) depending on the value of the asset, your business's financial history, and the lender's risk assessment.

At MV Asset Finance, we work with a panel of lenders to find the best terms available, often helping clients secure finance with minimal upfront costs.

Contact MV Asset Finance today to discuss deposit options and find the most suitable finance structure for your needs.

Whether or not you own the asset depends on the finance type you choose:

• Hire Purchase: You'll own the asset once the final payment is made.
• Finance Lease: You don't own the asset, but you can extend the lease or upgrade to a new one.
• Operating Lease / Contract Hire: You simply return the asset at the end of the term, with no ownership obligation.

Each structure has unique advantages depending on your goals — ownership may suit long-term use, while leasing offers flexibility for short-term requirements.

Speak to MV Asset Finance to explore which ownership structure works best for your business.

If you miss a payment, the lender may charge a late payment fee or report the issue to credit agencies, which could affect your business credit rating.

In some cases, if payments are missed repeatedly, the lender could repossess the asset, as it often acts as security for the agreement.

That's why it's important to choose a finance plan that fits your budget. At MV Asset Finance, we'll help you design a repayment schedule that works for your cash flow and reduces financial strain.

Contact MV Asset Finance today to discuss flexible repayment plans that keep your business on track.

Yes, many asset finance agreements allow for early settlement, meaning you can pay off the remaining balance before the end of the term.

However, some lenders may charge an early settlement fee or interest adjustment.

It's always a good idea to check the terms and conditions carefully before committing. MV Asset Finance can guide you through the details to make sure you understand your options and costs upfront.

Speak to MV Asset Finance today for expert advice on early settlement and refinancing options.

The approval process for asset finance in the UK is typically quick and straightforward.

For some businesses, approval can be granted within as little as 24–48 hours, especially for standard equipment or vehicle finance.

Larger or more complex deals may take slightly longer, as lenders need to review additional documentation or supplier details.

At MV Asset Finance, we pride ourselves on fast, efficient service, guiding you through every step of the process to get your funding approved and your assets delivered as quickly as possible.

Contact MV Asset Finance today to start your asset finance application and get your business moving forward faster.