Business Finance

London Business Asset Finance

Fund equipment, vehicles, and technology for your London business. Hire purchase, finance lease, and operating lease options to spread costs and preserve your working capital.

Asset Finance

Acquire the assets your business needs, without the capital outlay

London businesses face unique cost pressures. Preserving cash flow while investing in the equipment, vehicles, and technology needed to compete is a constant balancing act. Asset finance lets you spread the cost of essential assets over their useful life, keeping your working capital intact for other priorities.

Whether you are a professional services firm upgrading IT infrastructure, a hospitality business fitting out a new venue, or a logistics company expanding your fleet, we find the right asset finance solution from our specialist lending panel.

24hrs

Typical Decision

130+

Specialist Lenders

New

And Used Assets

Flexible

Deposit Options

Finance Options

The right structure for every asset

Hire Purchase

Own the asset at the end of the agreement. Fixed monthly payments over an agreed term, with the option to claim capital allowances. Ideal for equipment you intend to keep long-term.

Finance Lease

Use the asset for the full lease term with fixed rental payments. At the end, sell the asset on behalf of the finance company and receive a rebate on the proceeds.

Operating Lease

Lower monthly payments with the asset returned at lease end. Perfect for technology and equipment that depreciates quickly or needs regular upgrading.

Equipment Finance

Fund machinery, manufacturing equipment, fit-outs, and specialist tools. New and used equipment accepted, with finance structured around the asset's useful life.

Vehicle Finance

Cars, vans, trucks, and specialist vehicles for your London business. Single vehicles or fleet acquisitions with competitive rates from specialist vehicle lenders.

Technology Finance

IT infrastructure, software licences, servers, and communications equipment. Keep your technology current without large capital outlays.

The Process

How it works

Asset Identification

Tell us what you need to acquire - equipment type, supplier quotes, new or used - and we will identify the best finance structure for your business.

Competitive Quote

We source terms from our panel of asset finance lenders, presenting you with options that balance monthly cost, tax efficiency, and ownership preferences.

Quick Approval

Asset finance decisions are typically fast. Most applications receive a decision within 24 to 48 hours, with minimal documentation required for smaller facilities.

Asset Delivery

Once approved, we pay the supplier directly and you receive the asset. Monthly payments begin as agreed, spreading costs over the asset's useful life.

Ready to finance your next asset?

Tell us what you need to acquire and we will find the most competitive finance options. Decisions typically within 24 hours.

Get a Quote Discuss Your Needs

FAQs

Frequently asked questions

What business finance options can Doulton arrange?

Unsecured business loans, secured commercial loans, asset and equipment finance, invoice finance (factoring and discounting), merchant cash advance, revolving credit facilities, commercial mortgages, and working-capital facilities for limited companies, LLPs and sole traders.

How much can my business borrow?

We arrange business funding from £10,000 for simple unsecured facilities, up to £5m+ for secured commercial lending. Asset and invoice finance scale with the underlying asset or debtor book respectively.

How quickly can I access business funding?

Unsecured online business loans and merchant cash advances can fund in 24-72 hours. Asset finance typically completes in 3-10 working days. Larger secured facilities follow a 2-6 week underwriting and legal timeline.

Do I need to be profitable to get a business loan?

Not always. Many alternative lenders underwrite on turnover, card takings, sales ledger or asset value rather than net profit. Early-stage businesses and turnaround situations are often better served by specialist funders than high-street banks.

Will directors need to give personal guarantees?

Personal guarantees are common on unsecured and lightly-secured business lending, usually capped at a percentage of the facility. Secured lending backed by property or specific assets often reduces or removes the PG requirement.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.