Asset Finance and Business Loans for SMEs
We offer non-regulated asset finance and business loans to small and medium-sized enterprises (SMEs) in England and Wales.
We work with commercial finance brokers to deliver finance to SMEs.
Celebrating 10 years of business loans
A business loan from Asset Advantage enables businesses to borrow up to £1 million. It can be used in conjunction with or instead of asset finance to provide brokers and their clients with full flexibility.
Funding options
Whether you’re investing in equipment, technology, refurbishment, or business development explore the funding options below.
Business Loans
Provides a cash advance to businesses and supports long term investment
£75k to £1m
- Term 3-5 years
Can be used for Business Acquisition
Can be used for Management Buy-outs (MBOs) and Buy-ins (MBIs)
Finance Lease
Monthly repayments over a fixed or
minimum term
- £15k to £1m
Term 3-5 years
Soft and hard assets
Hire Purchase
Monthly repayments with low cost
option to purchase fee
- £15k to £1m
- Term 3-5 years
Soft and hard assets
A common sense approach to credit risk
Our business model is based on not competing with other funders and offering a unique credit appetite combined with competitive rates. We seek low risk transactions that other funders reject due to an inability to see beyond the headline figures or Credit Agency data.
No industry
restrictions
No asset
restrictions
Ability to interpret complex accounts and see beyond the headline figures
New start
businesses
Business
acquisitions
Management Buy Outs (MBOs) & Management Buy Ins (MBIs)
Case Studies
Find out how Asset Advantage has enabled brokers to complete complex deals for their clients.
- Business Loan
Amount Financed
£0
"For this deal, rate was key. Asset Advantage have great rates for new starts, and having the agreement on a 5-year term meant affordable repayments for the customer."Term:5 YearsPurpose:Fit-Out & Furniture For New Start Sign-Making Franchise - Finance Lease
Amount Financed
£0
“I like Asset Advantage because they are really commercial. They don’t just look at the net worth of the company, but the people behind it, and they paint a picture of how viable it might be in the future.”Term:5 YearsPurpose:Finance Lease For New Ice-Cream Kiosk - Finance Lease
Amount Financed
£0
“A known business model to Asset Advantage combined with very experienced owners, led to an approval on this deal.”Term:5 YearsPurpose:Finance Lease For Horse Water Treadmill And Cold Water Spa System - Finance Lease
Amount Financed
£0
“I brought the deal to Asset Advantage to finance the fit-out of the less tangible assets, often seen as the more challenging assets of aircon, glazing etc, which some other funders would not consider.”Term:3 YearsPurpose:Fit-Out Of New-Concept Hospitality Venture - Finance Lease
Amount Financed
£0
“A dog grooming and hydrotherapy business is a different type of industry, but I knew Asset Advantage would take the time to consider the proposal thoroughly.”Term:5 YearsPurpose:Hydrotherapy Unit For Dog Hydrotherapy Business - Finance Lease
Amount Financed
£0
“Not many other funders would offer a 5 year term on a used piece of equipment, but Asset Advantage look beyond the asset itself and base their decision-making on the customer profile, and an understanding of what that equipment would generate for the business.”Term:5 YearsPurpose:Finance Lease For Used Laser Machine For Beauty Salon - Business Loan
Amount Financed
£0
“Asset Advantage always take a commercial view, which is great… the fact that this was a New Start business would have ruled it out for many funders.”Term:5 YearsPurpose:Business Loan For New Start Jewellers Secure Shop Front - Business Loan
Amount Financed
£0
"With Asset Advantage, you have the confidence and certainty that if they say they’ll do it, they’ll do it.”Term:5 YearsPurpose:Business Acquisition Loan To A Growing Security Systems Company - Business Loan
Amount Financed
£0
“Asset Advantage really like expansions and business purchases where it makes sense. Asset Advantage have a low rate for soft assets and business acquisitions which was a big driver too."Term:5 YearsPurpose:Business Acquisition Loan For Trampoline Park And Soft Play Business - Business Loan
Amount Financed
£0
“This deal shows exactly why Asset Advantage is a brilliant funder... they massively supported the funding line, and showed great flexibility with combining a loan and asset finance to fully support the fit-out project."Term:5 YearsPurpose:Business Loan And Hire Purchase For Fit-Out Of High-End Cocktail Bar - Hire Purchase
Amount Financed
£0
Even though the equipment requirement was a high advance for a new company, there was a good story to the deal.Term:5 YearsPurpose:Hire Purchase For 12 BBL Brewhouse - Hire Purchase
Amount Financed
£0
"Industrial Racking can be a trickier asset class, and not every lender has the appetite to fund it, but this is in the sweet spot for Asset Advantage."Term:3 YearsPurpose:Hire Purchase For Industrial Racking - Finance Lease
Amount Financed
£0
"A comprehensive and well thought out business plan from a New-Start customer who had experience in the print sector."Term:5 YearsPurpose:Finance Lease – Printing Equipment For New-Start Business - Finance Lease
Amount Financed
£0
“Asset Advantage were the only funder who would offer a 5-year deal for new-start businesses”Term:5 YearsPurpose:Finance Lease – Tanning Salon Equipment - Finance Lease
Amount Financed
£0
“Asset Advantage was the only funder who would fund 100% of the deal.”Term:5 YearsPurpose:Finance Lease For Laser And IPL Machine
News & Insights
23/10/2024Challenges Funding Business Acquisition Holding Back Commercial Brokers, New Survey Reveals
A third of commercial finance brokers struggle to find lenders prepared to fund business acquisition deals, latest survey data from Asset Advantage can reveal.…
09/10/2024Consistent Credit Policy
Nearly a third of commercial finance brokers say they frequently encounter difficulties in securing funding for their clients due to changes in funder policies,…
18/09/2024Most Commercial Brokers See Little To No Change In Willingness Of Lenders To Fund Soft Assets
The majority of commercial finance brokers say they have seen little to no change in the willingness of lenders to fund soft assets, while…
11/09/2024Commercial Finance Brokers Seeing Increasing Demand For Complex Loan Solutions
Commercial finance brokers are seeing a significant rise in client requests to support more complex projects, latest survey data from Asset Advantage can reveal.…
09/09/2024Brokers Report Growing Shift Towards Business Loans Among Commercial Finance Clients
Nearly a third (31%) of commercial finance brokers have seen a growing shift among clients towards business loans to secure funding, new survey data…
30/08/2024Asset Advantage Hosting Meet The Funder Day On 26 September
On Thursday 26 September Asset Advantage will be opening the doors of their landmark offices in Basingstoke, and welcoming in brokers to meet the…
