Asset Finance for Businesses

Access the equipment, vehicles, and machinery your business needs with flexible asset finance. Spread the cost, preserve cash flow, and invest in growth with tailored solutions designed for UK businesses.

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Unsure What You're Looking For?

Navigating the many finance options can be overwhelming, but our Finance Specialists are here to help. If you need assistance, please call us on 01780 763836. We’re available Monday to Friday, 9am - 5:30 pm.

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What is Asset Finance?

What Is Asset Finance?

Asset finance enables businesses to acquire equipment, vehicles, or machinery without large upfront costs. 

Instead of tying up capital, payments are spread over time, allowing the asset to generate income while you pay for it. This preserves cash flow, improves budgeting, and supports sustainable growth while keeping operations efficient and competitive.

Flexible Asset Finance Tailored to Your Industry

We provide tailored asset finance solutions across a wide range of industries, helping businesses access the tools they need to operate and grow. Whether you need specialist equipment or a fleet of vehicles, we can structure funding to suit your sector.

Tom Perkins

Tom Perkins

Director & Co-Founder

Non-Executive Director on the NACFB Board

Insights from Our Expert

“Where we typically see asset finance being used to purchase commercial vehicles and plant and machinery, the product actually can be used to fund more basic assets that businesses may need such as office equipment and furniture, and IT equipment.”

What Our Customers Have to Say

Adam Fox

Managing Director, Fox Owmby

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.

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Robert Lodge

Director, Lodge Coaches

As a multi-generational coach operator, I’ve usually relied on high street banks for asset finance, but working with Charles & Dean has been a real game changer. They quickly understood the seasonal nature of our business and were far more responsive than traditional lenders.

They arranged a tailored funding solution with seasonal payments that suit our cash flow, making quieter months much easier to manage. They also secured competitive rates, giving us both operational flexibility and financial confidence.
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Andy Christopher

Co-Founder, Gilgamesh

Charles & Dean played an instrumental role in helping us to bring the world-renowned Gilgamesh to Covent Garden. High street banks simply couldn’t provide us with the same level of support as Charles & Dean.

We would gladly recommend Charles & Dean to anyone in the F&B industry requiring financial support.

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James Peck

Managing Director, PX Farms

I am delighted that Charles & Dean sees a future in agriculture and supports a business like ours.

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Why Use Charles & Dean?

Why should you choose us to help with your asset finance goals

Why Us 1

Tailored Funding Solutions

We work closely with you to understand your business needs and structure asset finance solutions that align with your goals, ensuring flexibility and long-term value.

Why Us 2

Expert Support Throughout

From initial enquiry to completion, our experienced team provides clear guidance and ongoing support, making the process simple, fast, and hassle-free.

Why Us 3

Access to Multiple Lenders

Our extensive panel of trusted lenders allows us to source competitive rates and terms, giving you more choice than going direct to a single provider.

What To Do Next

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Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
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Explore Our Products

Unsure which of our asset finance solutions would suit you? Choose one of our products to learn more about it.

Explore Business Finance

Our FAQs

Your questions about Asset Finance answered

What can be financed with asset finance?

Most business-critical assets can be financed, including vehicles, machinery, equipment, and technology used to support operations and growth.

Do I need a deposit for asset finance?

Some agreements require a deposit, but in many cases, funding can be arranged with little or no upfront cost depending on the asset and lender.

How long does asset finance take to arrange?

Approval can often be secured within 24-48 hours, with funds released quickly once documentation is complete.

Is asset finance suitable for small businesses?

Yes, asset finance is widely used by SMEs to spread costs, improve cash flow, and access essential equipment without large upfront investment.

Can I upgrade my asset during the agreement?

In many cases, flexible options are available to upgrade or refinance assets, depending on the agreement structure and lender terms.