Light Equipment Finance Solutions
Flexible Equipment Finance for UK Businesses
Finance for the Equipment Your Business Relies On
From coffee machines and catering equipment to office technology, digital printers and smaller production equipment, investing in the right equipment can help your business operate more efficiently and support future growth.
Causon Business Finance helps businesses find flexible finance for a wide range of light commercial equipment, sometimes referred to as soft finance. Whether you’re replacing existing equipment, upgrading what you already have or investing in something new, we’ll look at the funding options available and help you find an arrangement that works for your business.
Our light equipment funding is available to a wide range of business users and we are here to support you every step of the way. Call us today on 01455 250 690 or send us an email.
Light Equipment We Can Help Finance
Coffee machine lease
Spread the cost of commercial coffee machines and grinders with flexible finance rather than making a large upfront investment. We can help cafés, coffee shops and other businesses find a funding option that suits their needs.
Catering & hospitality equipment
Finance for commercial catering and hospitality equipment, from kitchen equipment and refrigeration to dishwashers, furniture and bar fit-outs. Invest in the equipment you need without tying up cash that could be used elsewhere in the business.
Office & technology equipment
Finance for the equipment your workplace needs, from laptops and PCs to telephone systems, office printers and multi-function devices. Spreading the cost can help you upgrade your technology while keeping more cash available within the business.
Portable or small production equipment
Finance for portable and smaller production equipment, including digital textile printers, specialist production equipment and pitch marking systems. We can help you find a suitable funding option for your business.
Security & tracking equipment
Finance for business security and tracking equipment, including CCTV, vehicle tracking, access control and other security systems. We can help you find a funding option that allows you to invest in the equipment you need while managing cash flow.
“Great team & a very personal service. Used these guys for years & always get competitive rates on our asset finance.”
Gareth Thompson, XAMAX
Finance arranged for a new digital printer
Finance Options for Light Equipment
There’s more than one way to finance light equipment, and the right option will depend on what you’re buying, your business and whether you want to own the equipment at the end.
We’ll talk through what you need and explain the options available, so you can choose a finance solution that works for your business.
Hire Purchase (HP)
You pay monthly instalments and own the asset at the end if you pay all the payments. The asset typically serves as the lender’s only security.
Finance Lease
You rent the asset for a set term, with options at the end of the agreement to either renew, return, or purchase, depending on the type of lease.
Business Loans
You get a lump sum for your business to purchase the equipment, repaying capital and interest as you go.
Operating Lease
Use the equipment for an agreed period without taking ownership. This can be helpful if you need access to equipment without retaining it long-term.
Benefits of Financing Light Equipment
- Improve cash flow & tax efficiency
- Low deposits / initial outlay
- VAT funding available
- Fixed or variable interest rates
- Flexible early terminations with nil extra cost
- Retain ownership or off-balance-sheet finance
- Capital allowances retained or offset rentals against taxable profits
- Minimal risk of depreciation
- Cash-back on refinance or sale & leaseback deals
Looking to finance larger machinery or equipment? Explore our heavy equipment finance options.
Why choose Causon?
-
Free, no-obligation advice
-
Persistent support until facility is approved
-
Access to 25 funders for the best deal
-
No fee; we earn commission from funders, only when we get you your funding paid out
-
We help all businesses, whether your credit is spotless or you’ve faced challenges in the past
Speak to our finance experts today and secure flexible funding with minimal hassle.
FAQs
What is the difference between soft and hard assets?
Soft assets are generally lower-value, shorter-life or technology-led equipment where the resale value may be lower, such as coffee machines, digital printers, IT equipment and security systems. Hard assets tend to be higher-value equipment with a longer useful life and stronger resale value, such as CNC machinery, construction plant and generators.
Causon Business Finance can help arrange finance for both soft and hard assets, with the most suitable funding options depending on the equipment and your business circumstances.
What types of light equipment can I finance?
Light equipment finance can cover a wide range of equipment used by businesses, including commercial coffee machines and grinders, catering and kitchen equipment, office equipment and smaller production equipment.
If the equipment you’re looking to fund doesn’t fall into one of these categories, speak to us. We can look at what you’re buying and the finance options that may be available.
Can I finance new and used business equipment?
Finance may be available for both new and used business equipment.
The options available will depend on factors including the type of equipment, its age and value, the supplier and your business circumstances. Used equipment doesn’t automatically mean it can’t be financed, but lenders may assess it differently from new equipment.
If you’ve already found the equipment you want to buy, we can look at the purchase and help you understand which funding options may be available.
Which is better for financing equipment: hire purchase, leasing or a business loan?
Hire purchase can be suitable if you want to own the equipment, while leasing can give you access to equipment without necessarily owning it. A business loan may provide greater flexibility over how the funds are used.
The best option will depend on what you’re buying, what you want from the agreement and your business circumstances. We can talk you through the options available and help you find the most suitable route for your business.
Can I apply if I have poor credit or a new business?
Yes. We regularly help start-ups and businesses with limited or imperfect credit history. Our panel includes inclusive lenders who consider the full picture, not just your credit score.