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Asset finance is a form of borrowing that allows businesses to acquire or leverage assets (new or currently owned) such as equipment, vehicles, machinery, or inventory use the asset as collateral to secure funding without needing to pay the full cost upfront.
One of the unique advantages of asset finance, is unlike loans based on creditworthiness, asset finance focuses on the value of the asset itself, making it accessible for companies with limited cash flow or newer credit histories.
A business uses existing assets (like inventory, accounts receivable, or short-term investments) as collateral to secure a loan.
This is often used to improve cash flow or cover short-term funding needs.
A business acquires the use of an asset (e.g., machinery or vehicles) by making regular payments over time.
Ownership may transfer at the end of the lease or hire period
Asset Finance
Purpose: To acquire or leverage long-term assets (e.g., machinery, vehicles).
Collateral: In Most cases security is in the form of the asset being financed or existing business assets.
Usage: Medium to long-term financing for operational equipment.
Common Users: Manufacturers, logistics companies, service providers, mining & industrial.
Repayment: Fixed over time & often with a fixed rate, with an option to own the asset at the end
