Business Asset Finance

Get fast, flexible funding for business assets. We specialise in industry-specific asset funding solutions.

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As a family-owned business with nearly a century of experience, we value strong partnerships - and Charles & Dean has been exactly that. Their expertise in commercial finance has been instrumental in helping us refinance our unencumbered assets, giving us the flexibility to navigate seasonal changes and invest in growth. They truly understand the challenges of our industry, from longer winters to evolving market demands, and have taken the time to build a deep understanding of our business. A trusted and reliable partner.

Adam Fox

Managing Director, Fox Owmby Ltd

The team at Charles & Dean have excelled throughout this process - from the first phone call they have been diligent, proactive and motivated to support the Ocado retail.​ They listened to our requirements and built a product with a funder tailored to our specific needs. The support through the process and quality of communication and persistence to the end has been brilliant.​ It's been refreshing to work with a business who have the same growth mindset and delivery focus as we have.

John Doe

CFO Ocado

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I would highly recommend Charles & Dean for any business financing requirements. They went above and beyond to secure funding for 6 new lorries to aid us with bringing our haulage in house. We found the rates that C&D are able to obtain are far more competitive than the mainstream lenders and their efficiency and customer service is second to none. Charles & Dean are now our go to finance broker for any future expansion plans.

Matt Kenshole

Managing Director, Westcott Sand & Aggregates

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My contact was Joe, he guided me through the process from start to finish. I had thought up until now that the mainstream high street banks, especially ones you have placed all of your business banking requirements with over many years should always be able to provide the best rates. Charles and Dean have proved otherwise.

Robert Lodge

Director, Lodge Coaches

Business Asset Finance:
3 Simple Steps

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Understanding Your Business’ Goals & Challenges

Skip generic online calculators and talk to a specialist who understands your industry's needs.

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Consultative Finance Solutions to Drive Your Business Forward

Whether for machinery or vehicles, our streamlined application process minimises hassle, allowing you to focus on your projects.

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Smooth, Hassle-Free Funding for Your Business Needs

We work with you, your suppliers, and funders to ensure everything runs smoothly, letting you use your finance immediately.

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Why choose us

Why Use Charles & Dean for
Asset Finance

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Tailored Loan Solutions

Get the funding your business needs today. Our tailored financing solutions deliver immediate capital for new and used assets or refinancing - with competitive rates.

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Market Expertise

With deep sector knowledge and trusted lenders, we secure competitive rates and flexible terms. Understanding seasonal workloads, and tight timelines, we tailor finance to you.

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Simplified Process

Asset finance doesn’t have to be complex. From consultation to funding, our specialist team ensures a smooth, efficient process, allowing you to focus on running your projects.

FAQs

Your questions about Asset Finance answered

What types of assets can be funded?

At Charles & Dean, we provide tailored finance solutions across a wide range of asset categories:

  • Equipment: From office upgrades to specialised machinery, our funding options cater to your specific equipment needs.
  • Plant and Construction: Finance for excavators, cranes, diggers, and more, ensuring your construction projects stay on track.
  • Transportation: From HGVs to commercial vehicles, our transportation solutions keep your fleet road-ready and efficient.
  • Machinery: Flexible options for manufacturing, agricultural, and industrial machinery to keep operations seamless.
  • Green Energy: Finance for solar panels, electric vehicles, and sustainable tech to reduce costs and support eco-friendly goals.

No matter the asset, our specialist team is ready to create a solution that fits your business.

Can I refinance existing assets to free up cash flow?

Absolutely. Refinancing your existing assets allows you to unlock equity tied up in vehicles, equipment, or machinery, boosting your cash flow. With refinancing, you can renegotiate terms, reduce payments, or secure additional capital to fuel business growth.

How are we different from a bank?

As independent brokers, Charles & Dean provides tailored finance solutions from a wide panel of lenders. Unlike traditional banks with limited options, we offer: Access to diverse financial products and competitive rates. Unbiased guidance customised to your business needs. A personalised, simplified process designed with your goals in mind. Our expertise and flexibility help you secure the right funding solution to grow your business.

Can I finance more than just vehicles?

Yes! We can help finance almost all business assets. This includes all the traditional ‘Hard Assets’ like vehicles and machinery but also includes ‘Soft Assets’ like IT and telephony and even commercial furniture.

What is a finance lease?

A finance lease is a flexible funding solution that allows businesses to use assets without owning them outright. It’s a popular option for companies looking to preserve capital and manage cash flow effectively.

What assets can I lease with a finance lease?

The lenders we work with offer finance leases for a variety of business-critical assets, including:

  • Vehicles (cars, vans, and fleets)
  • Plant and machinery
  • Office equipment
  • IT systems
If you're unsure, contact us to see if your required asset qualifies.

What types of asset finance can I apply for?

Depending on your needs, our panel of trusted lending partners could help you take out a range of different products, including:

  • Hire purchase — this allows you to pay for an asset in instalments over a set period, typically at a fixed interest rate, and own it at the end of the term. Your repayments will cover both the original cost of the asset and interest.
  • Finance lease — this allows you to lease a piece of equipment and use it over a period of time. Your finance provider will hold ownership of the asset, but you’ll receive exclusive use of it. Payments will cover the original cost of the asset and interest. At the end of the term, you can either renew your lease, or return the asset to the provider.
  • Asset refinance — this allows you to raise capital using your existing assets as security, meaning you can borrow a lump sum, then make monthly repayments over a fixed term to pay it back. Any assets you put up as security will need to be owned by the business outright.