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Types of finance

Flexible funding for business-critical assets

Flexible funding solutions to help fund the equipment, machinery and vehicles your business needs to grow. We have access to a wide range of financing products and can help finance most business-critical assets and for any value.

Hire purchase

Hire purchase helps you to buy an asset while paying for it in instalments over an agreed timescale – the term. At the end of the term, you have the option to buy the asset outright.

Finance lease

A finance lease lets you use the asset for an agreed period of time without having to buy it outright. Ultimately, you’re paying ‘rent’ for the full use of it. And the rental period is flexible and can be tailored to your needs and cash flow.

Operating lease

Like finance lease, an operating lease allows you to rent the asset while you need it. The key difference is that the operating lease is only for part of the asset’s useful life. You pay a reduced rental because the cost is based on the difference between the assets original purchase price and its remaining value at the end of the agreement.


Refinancing allows you to release cash from your existing assets by financing assets you currently own outright or by replacing one finance agreement with another on preferred terms. This allows you to invest the money elsewhere in your business.

Working capital

A loan is sometimes the simplest and most direct means to address a funding requirement without providing any traditional form of asset as security.

Other banking products

We have excellent trading relationships with a number of major UK banks. This means we can facilitate introductions to our customers. You may be considering a re-bank, looking at a commercial mortgage or thinking about invoice finance. It might be something as simple as an overdraft or a term loan, but whatever it is we can help.

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Premier Asset Finance Limited is authorised and regulated as a credit broker (including for consumer credit activity) and not as a lender, by the Financial Conduct Authority. Registered in England, number 06453431. Registered office: 51 Homer Road, Solihull, West Midlands B91 3QJ. Premier Asset Finance Ltd is registered on the Financial Services Register under the Firm Reference Number 728589.

We are not an independent financial advisor, but we can introduce you to a panel of lenders and their finance products. We will provide details of products available from the lenders we work with without advice or recommendation, and it is for you to decide whether the finance product is right for you. We do not charge you a fee for our services, however we do receive a commission from the lender if you decide to enter into an agreement with them (either a fixed fee or fixed percentage of the amount you borrow) and different lenders pay different rates. Premier Asset Finance is a wholly owned subsidiary of Paragon Bank Plc.