Asset Finance

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.

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.

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.

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.

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.

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.

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.