The UK's number one asset finance provider

Zero arrangement fee when you apply online

We offer flexible finance to move your business in the right direction. Now with zero arrangement fee when you apply for Hire Purchase online for eligible assets.

Get a quote online and you could get an instant credit decision.

What is asset finance?

Businesses can use asset finance to get the equipment they need to grow. Pay a regular amount to use the asset over an agreed period, avoiding the full cost of buying outright. We offer both Hire Purchase and lease finance.

Asset finance could make it easier to raise funds for additional finance needs, in contrast to traditional loans. Take into account your overall borrowing needs when considering finance options.

Fund a wide range of assets, from business vehicles to technology, manufacturing and construction equipment.

Benefits of Lombard asset finance

Fast decision

As little as 24 hours for transactions up to £150,000

Personalised solution

We tailor quotes to your requirements, giving you a personalised price

Cash release

Free up cash reserves to fund growth elsewhere in your business

Specialised knowledge

Benefit from an expert focused on the needs of your industry

Asset finance products

Hire Purchase

Straightforward finance with the option to own the asset

You’ll usually pay an initial deposit then pay off the vehicles full value through monthly payments. Once the final agreed payment is made you can own the vehicle.

Structure payments to fit with your cash flow needs

Reduce monthly payments by opting for a final lump sum – a balloon payment.

You have the freedom to choose between fixed and variable rates.

Option to own the vehicle at the end


Business Contract Hire

We supply a new vehicle for you to lease

Let us supply a new vehicle for you to lease whilst you avoid the risks associated with ownership like depreciation. Maintenance plans can also be added for your convenience.

Manage cash flow and budgets with fixed monthly rentals

We can source a new vehicle that fits your requirements

Option to upgrade to a brand new vehicle every 2-4 years

Finance solutions for all business sizes

Chattel Loan Mortgage

Receive title straight away and use asset as security

This type of funding enables you to use assets such as machinery, boats or aircraft as security for a loan, once the loan is repaid the mortgage is removed.

Flexible funding with longer repayment periods available

Payment breaks may be available in the form of capital repayment holidays

Potential to draw down in instalments or as a lump sum

Tax deductions may be available on assets used for business

Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.

Finance Lease

We purchase the asset then rent it to you

You never own the asset but do bear the risks and rewards of ownership. Rentals can be tailored to your cash flow and you’ll benefit by keeping a large portion of the resale value.

No large initial cash outlay and receive some of the resale value

Flexibility to spread payments over an agreed term

It may be possible to extend lease with reduced monthly payments

VAT and lease rental charges may be recoverable

Operating Lease

Rent items you need without the risks of ownership

Lombard will own the asset and bear the risks on anticipated future values and disposal costs. Your rentals do not cover the full asset value so payments are reduced.

No large initial cash outlays  or costs on disposal

Rentals can be tailored to meet cash flow needs

Protected from risks associated with assets losing value

VAT and lease rental charges may be recoverable

Intellectual Property

Unlock finance from Intellectual Property

An innovative finance solution designed to unlock value hidden in your business intangible assets. Inject capital without sacrificing control.

Retain daily commercial use and software development rights

Finance that grows with your business to accelerate plans

Tailored solution to leverage funds from critical software

No restrictions on usage of allocated funding

Any rights to buy back the title of the asset used as security may be forfeited if you do not keep up repayments on any debt secured on it. 

Asset Finance across sectors and business sizes

We have over 250 relationship managers on hand up and down the UK. They’re experts in their field, successfully blending local expertise with core financial knowledge. They work across a wide-range of industries:

• Manufacturing

• Technology

• Green Energy

• Commercial vehicles

• Agriculture

• Aviation

• Marine


Frequently asked questions

Get in touch

We can discuss finance solutions and answer any questions you might have.