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Finance Type

Asset Finance

No matter what the asset we have a finance solution for you.

Commercial Finance

From business loans to property development funding and anything in between, we can help.

Dealer Finance

Do you want quick quotes with instant decisions and same day payouts?

Personal Car Finance

Spread the cost of a vehicle over a period of time, making your regular payments more affordable.

Industries

Transport

Whether you're in the market for a car, LCV, HGV, boat, helicopter or any other mode of transport, our dedicated team will scour the market to uncover the most competitive deals aligned with your unique requirements, so we can get you on the road, the water or in the air.

Engineering & Manufacturing

We are passionate about UK engineering and manufacturing businesses flourish and supporting British made products. So no matter what machinery or equipment you require, Full Circle Asset Finance can provide structured deals to manage affordability and enable you to maximise on profitability.

Construction & Utilities

As a family run business, we know too well the importance of running a business smoothly and efficiently. In the dynamic construction and utility industry having the right vehicles and machinery is key to completing jobs and contracts on time. We can work as quickly and flexible as you need, through our credit line and same day payout services.

Asset Finance

Welcome to Full Circle Asset Finance who have been supporting British SME Businesses for many years. With access to over 100 lenders we are able to source and tailor the finance package that best fits your requirements. We know that every business is different and one size doesn’t fit all. This is why we work closely with our clients to ensure they receive the funding they need, quickly and efficiently. Or, if we think there is another funding product that best fits your requirements we will put this option forward.

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Asset Finance

Services Available

Hard Assets

From transport to plant machinery and equipment there is a finance solution to meet your needs and requirements. If you are in the haulage, construction or engineering industry we have the market covered with competitive lenders for both new and used assets.

Soft Assets

Whatever soft asset you need to finance, at Full Circle, we can help you. We can fund anything from IT equipment including copiers, CCTV equipment and full shop fitouts on terms that are best for your business.

Refinance

Do you need a quick cash injection into your business? If the answer is yes, then refinancing your business assets to release equity could be the right solution for you. We support you on understanding if this is the appropriate solution for you.

Aviation Mortgage

No matter what aircraft you are looking to invest in, a helicopter, glider or hot air ballon for either business or personal use, Full Circle Asset Finance can help to get you up in the air. We will diligently find the most competitive rate and help you to spread the cost over a period of time.

Marine Mortgage

We have a strong panel of lenders who can fund your next marine purchase, whether that be a sailing boat, yacht, fishing vessel or anything else marine. We do our upmost to make your experience as smooth sailing as possible.

Revolving Credit Facility

This facility could save you time and hassle if you plan to continually invest over a 12-month period. Gives you access to a sum of money short-term and upon receipt of regular payments the credit facility is automatically renewed back to the original amount agreed, allowing for ongoing, flexible finance.

Growth Guarantee Scheme

Full Circle can support businesses with the application process and securing the Growth Guarantee Scheme. This scheme aims to improve the terms on offer to borrowers, however if there are other commercial loans that provide better terms then we will make you aware of your options.

Finance Calculator

Please feel free to use our finance calculator below to help give you an indication of monthly repayments. The rates applied are based on UK incorporated business only, please note this is an approximation, it is subject to credit checks, but we will always work to get you the most competitive rates on the market.

Calculate Your Finance

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Products Available

Hire Purchase (Fixed or Variable)

Hire Purchase (Fixed or Variable) is a financing arrangement where the purchaser pays for an asset in instalments while using it, with ownership transferring to them once the final payment is made.

Finance Lease

Finance Lease is a type of leasing agreement where the lessee (the user) pays rentals for the use of an asset over an agreed period, with the option to either purchase the asset at the end of the lease term or return it.

Lease Purchase

Lease Purchase is a financing arrangement where the lessee pays regular instalments for the use of an asset over a fixed term, with ownership transferring to them upon completion of the lease term.

Operating Lease

An operating lease is a short-term rental agreement for an asset, allowing the lessee to use the asset without assuming ownership responsibilities or obligations.

Aviation Mortgage

An aviation mortgage is a type of loan secured by an aircraft as collateral, typically used to finance the purchase or refinancing of aircraft for private or commercial use.

Marine Mortgage

A marine mortgage is a type of loan secured by a vessel, such as a boat or ship, serving as collateral, commonly used to finance the purchase or refinance of maritime assets for private or commercial purposes.

Credit Lines

Credit lines refer to predetermined amounts of credit extended to individuals or businesses by financial institutions, allowing them to borrow funds as needed up to the specified limit.

Vat Deferrals

VAT deferrals refer to postponing the payment of Value Added Tax (VAT) owed to tax authorities to a later date, typically providing businesses with temporary relief from immediate VAT payment obligations.

Terms up to 10 years

Financing agreements can extend over a maximum period of 10 years, providing borrowers with flexibility in repayment schedules and potentially lower monthly payments.

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Rated 5 Stars On Google

Fuelling 1000’s of businessesthroughout the UK.

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Asset Finance

Frequently Asked Questions

What are the eligibility criteria for asset finance?

To be eligible for asset finance through Full Circle Asset Finance, your business must meet the following requirements:

  • Be based in the United Kingdom
  • Be a limited company or Limited Liability Partnership (LLP)
  • Have at least one year of trading history
  • Generate an annual turnover of at least £50,000

If your business is not a limited company or LLP, you can still apply for a business loan through our services.

We welcome inquiries for various types of assets, including equipment for manufacturing, production, engineering, agriculture, forestry, waste management, recycling, and materials handling. We also finance plant and construction assets like industrial machinery, road plant, forklifts, access platforms, cranes, pavers, and diggers. Additionally, we provide financing for transportation assets such as heavy commercial vehicles, trailers, cars, light commercial vehicles, business fleets, car and van rentals, buses, and coaches. Other popular asset categories include machinery for machine tools, bespoke manufacturing, packaging, and production.

What types of asset finance products are available?

Depending on your specific needs, our panel of trusted asset finance providers can offer a range of products, including:

Hire Purchase - This option allows you to pay for an asset in installments over a set period, typically at a fixed interest rate, and gain ownership at the end of the term. Your repayments cover the original cost of the asset and interest.

Finance Lease - With a finance lease, you can lease a piece of equipment and use it over a period of time. Your finance provider retains ownership of the asset, but you'll have exclusive use of it. Payments cover the original cost of the asset and interest. At the end of the term, you can either renew your lease or return the asset to the provider.

Asset Refinance - This product allows you to raise capital using your existing assets as security. You can borrow a lump sum and make monthly repayments over a fixed term to pay it back. Any assets you put up as security must be owned by the business outright.

What tax breaks are available when financing new assets?

Thanks to capital allowance tax breaks, you could potentially deduct the full cost of qualifying vehicles, machinery, and equipment from your taxable profits, saving you up to 25% on the cost of your new asset.

Electric and emission-free vehicles are also eligible for 100% tax relief. For more information, please visit gov.uk/capital-allowances.

Please note that tax relief eligibility depends on your business type and the asset you want to finance. For specific guidance, we recommend consulting with an accountant or tax advisor. Full Circle Asset Finance does not provide financial, legal, or tax advice.

Trusted By Businesses For Over 10 Years

Cherry Picker Finance Complete

Lisa has been fantastic in sorting out all the finance for our new cherry picker. She was very efficient and got everything done straight away 😊

Excellent Customer Service

Seamless finance transaction, excellent customer service, responsive and helpful

Highly Recommend - A reliable and supportive finance team!

We had an excellent experience to source and finance our new van. From start to finish, the process was smooth, professional, and completely stress-free. They listened to exactly what we needed, and kept us updated at every step. Their communication was clear, their advice was honest, and they went above and beyond to make sure everything was handled quickly and efficiently. Highly recommended to anyone looking for a reliable and supportive vehicle sourcing and finance team.

Great service once again

A+ repeat customer here, always get great service and the best rates on the market!

Finance in place quickly for a Spider Crane

We used Full Circle Asset Finance Limited to purchase a new Spider Crane, Lisa was extremely helpful from the start of the process, very quick and efficient. Would definitely use again and highly recommend.

Competitive Interest Rate

A very friendly team and very knowledgeable in their field. We were given a highly competitive interest rate for the finance for our CNC Laser machine tool. I would have no hesitation in recommending Full Circle Asset Finance Ltd for all of your financing requirements.

A pleasure to deal with

Luke and the team at Full Circle Asset Finance have been an absolute pleasure to deal with. Great customer service, very friendly and helpful, couldn't praise them highly enough!