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Why choose Close Brothers Asset Finance?

Various options

We offer a range of flexible funding options that enable you to purchase assets and grow your business. Our options include Hire Purchase, Refinance, Finance Lease and Operating Lease.

Finance experts

With almost 40 years' experience in Asset Finance and having won multiple awards, our dedicated experts have extensive knowledge and experience to confidently support you and your business.

A range of sectors

We provide funding solutions for businesses across a wide range of sectors, including print, 3D printing, manufacturing, construction, agriculture, aviation, marine, engineering, fairgrounds, renewable energy, taxi services, vehicles, woodworking, and many more.

Tailored finance

Agreements are customised and tailored to meet your specific demands, meaning you can make larger repayments when your income is strong and smaller repayments during quieter times.

How does Finance Lease work?

Think of Finance Lease as a long-term rental for business assets (or equipment, which is the same thing). Instead of buying the asset upfront, you pay rent to use it, with a flexible rental period to match your needs and cash flow fluctuations, which we know can change month-to-month. You cover the cost of the payments, including the agreed interest, for the duration of the rental period.

At the end of the initial lease, you have various options available to you:

Keep on using: Continue leasing the asset by extending the rental period – otherwise known as a ‘secondary rental period’

Sell and earn: You can sell the equipment and keep a share of what the asset is sold for

Return: Give the equipment back to us if you no longer need it or want to upgrade to something newer

94%

of customers are happy with our service*

9/10

customers would recommend us to a friend*

97%

of customers say we are easy to deal with*

*All figures are from the Close Brothers Asset Finance customer experience surveys conducted throughout 2025

Benefits of Finance Lease

Finance Lease removes the need for a large upfront payment, giving you immediate access to essential equipment, machinery, or assets. Instead, costs are spread over fixed monthly instalments, helping you manage cash flow effectively while freeing up capital for other priorities or growth opportunities.

Work with us to adjust lease payments to match how and when money flows into your business. By aligning your finance plan with your income cycle, you can maintain smoother cash flow, reduce financial pressure during quieter months, and plan with greater confidence.

If you decide to sell the equipment at the end of the lease, you’ll receive the proceeds from the sale. This can help offset your overall costs, provide a return on your investment, or be reinvested into new equipment for your next project.

If your business is VAT registered, you only pay VAT on the monthly rental payments, not on the entire purchase price. This helps reduce your taxable profit, potentially saving you money on taxes. If your business is not VAT registered, you can spread the VAT cost by including it in your monthly rental rather than paying it as a one-off payment.

Access equipment without upfront costs

Finance Lease removes the need for a large upfront payment, giving you immediate access to essential equipment, machinery, or assets. Instead, costs are spread over fixed monthly instalments, helping you manage cash flow effectively while freeing up capital for other priorities or growth opportunities.

Customise payments to match your cash flow

Work with us to adjust lease payments to match how and when money flows into your business. By aligning your finance plan with your income cycle, you can maintain smoother cash flow, reduce financial pressure during quieter months, and plan with greater confidence.

Earn money back

If you decide to sell the equipment at the end of the lease, you’ll receive the proceeds from the sale. This can help offset your overall costs, provide a return on your investment, or be reinvested into new equipment for your next project.

Tax benefits

If your business is VAT registered, you only pay VAT on the monthly rental payments, not on the entire purchase price. This helps reduce your taxable profit, potentially saving you money on taxes. If your business is not VAT registered, you can spread the VAT cost by including it in your monthly rental rather than paying it as a one-off payment.

The service provided by Close Brothers Asset Finance was spot on. Efficient and easy to use with quick responses to any questions I had. I highly recommend the company.

Brilliant service, no hassle and very helpful. Thank you for all the assistance.

My account manager made this process very straightforward. I will be recommending you in the future; you have an efficient operation.

My local representative always does his best to help me as much as possible. Nothing is too much trouble for him, and always tries to find a solution to any of my issues.

Your service exceeds by far what we get from our corporate bank. We wish you could be a bank as well. Can’t fault your service and the schemes you offer which have answered our cash requirements and have facilitated our rapid expansion.

Our step-by-step process

Fill out our short online form

To find out how we can support you and your business, please complete our online form. It only takes a few minutes.

Speak with our finance experts

Our dedicated Finance Lease specialists will contact you to discuss your needs and provide more information about our products and services.

Meet your local manager

We will pair you with a local account manager who will provide personalised support either in-person or via virtual meetings to suit your schedule.

Receive a tailor-made finance plan

Based on your conversations with your account manager, we will develop a flexible repayment plan that matches your payment schedule with your seasonal income.

Is Finance Lease the right financial solution for your business?

Finance Lease is for businesses that need equipment but prefer not to purchase it outright. It is suitable for companies looking to use assets like machinery, vehicles, or technology without a large upfront cost.

Whether you are a small construction firm needing a forklift or a larger operation needing specialist equipment, Finance Lease offers flexibility by allowing you to pay for the equipment over time while having the option to keep, sell, or return it at the end of the lease term.

If Finance Lease does not sound like the right fit for you, we also offer Hire Purchase, Refinance and Operating Lease as financing options. Speak with our finance experts for advice on which solution is best suited to your situation.

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Finance Lease Solutions