Business Loans
Unsecured and secured lending to fuel your company's growth — without the complexity of traditional high-street banking.
FINANCE SPECIALISTS
ABOUT ASSET FINANCE
THE SMART WAY TO EQUIP YOUR BUSINESS
Asset finance describes leasing and hire purchase solutions that allow businesses to acquire equipment, machinery, or vehicles — without the full capital outlay of buying outright.
Whether you need a single piece of office equipment or a fleet of heavy goods vehicles, asset finance puts the tools you need within reach — from telephone systems to large-scale plant and machinery.
Integrum Finance works with over 200 specialist lenders to structure agreements that match your cash flow, your growth plans, and your tax position.
£8M+
ABOUT ASSET FINANCE
200+
SPECIALIST LENDERS
5.0
GOOGLE RATING
WHY ASSET FINANCE
PRESERVE YOUR
WORKING CAPITAL
Acquiring machinery or equipment outright drains the cash reserves that keep your business moving. Asset finance lets you spread the cost over fixed, predictable payments — so capital stays where it belongs.
TAX EFFICIENT
OFFSET COSTS
RECLAIM VAT
Many asset finance arrangements allow lease payments to be offset against gross profit, with VAT reclaimable on eligible agreements. It is not just a funding tool — it is a tax planning tool.
FINANCE PRODUCTS
FIVE WAYS WE CAN HELP
HP
HIRE PURCHASE
Fund the asset with fixed payments over an agreed term, then purchase ownership outright at the end. Ideal for businesses that want eventual ownership.
HOW IT WORKS
The HP provider retains ownership throughout the term and leases the asset to your business for an agreed regular fixed payment. This product is very flexible, with the ability to choose your deposit contribution.
BEST SUITED FOR
MANUFACTURING
TRANSPORT & LOGISTICS
CONSTRUCTION
AGRICULTURE
CAPITAL LEASE
FINANCE LEASE
Lease an asset over an agreed term while spreading the cost into fixed payments. Lease payments may usually be treated as a business expense, and VAT-registered businesses may be able to reclaim VAT in line with HMRC rules.
HOW IT WORKS
Does not provide the opportunity to own the asset outright. The business leases it until the lender recovers the purchase value. From an accounting perspective, lease payments can be offset against profits and VAT can be reclaimed.
BEST SUITED FOR
PROFESSIONAL SERVICES
TECHNOLOGY
HEALTHCARE
RETAIL
FLEXIBLE USE
EQUIPMENT LEASING
The lender purchases and maintains the asset. At term end: extend, upgrade, buy, or return. Maintenance stays with the provider, not your business.
HOW IT WORKS
Similar to Finance Leasing — the lender purchases and leases the asset at a fixed fee over an agreed term. At completion you can extend, upgrade, purchase at an agreed cost, or return it. Servicing and maintenance are the lender’s responsibility.
BEST SUITED FOR
HOSPITALITY
MEDIA & PRODUCTION
FITNESS & LEISURE
ENGINEERING
SPECIALIST USE
OPERATING LEASE
Best for specialist machinery where you need the asset for less than its full working lifetime. No purchase obligation — simply use and return.
HOW IT WORKS
Used for specialist machinery or equipment where the business has no interest in buying the asset and does not expect to use it for its full expected lifetime. Pure usage with no ownership exposure.
BEST SUITED FOR
EVENTS & AV
MINING & EXTRACTION
CIVIL ENGINEERING
ENERGY
UNLOCK EQUITY
ASSET REFINANCING
Use equity in assets you already own as collateral. Typically borrow up to 70% of asset equity — ideal for upgrading without depleting working capital.
HOW IT WORKS
Use physical assets your business owns (or partially owns) as collateral. For example: a HGV valued at £25,000 with £5,000 remaining on HP has £20,000 equity — allowing you to borrow up to £14,000 (70%) toward an upgrade, giving total refinancing of £34,000.
BEST SUITED FOR
OWNER-OPERATORS
FLEET BUSINESSES
PLANT HIRE
HEAVY INDUSTRY
EXCELLENCE RECOGNISED
BEYOND ASSET FINANCE
HMRC Schemes
Specialist assistance with R&D Tax Credits and Business Interruption claims — money your business is likely already entitled to.
Invoice Finance
Unlock cash tied up in outstanding B2B invoices. Stop waiting 30, 60, or 90 days to get paid.
Real Estate Finance
Development finance, bridging loans, and commercial mortgages for property investors and developers.
Vehicle Finance
Premium funding solutions for prestige, commercial, and fleet vehicles — personal or business use.
EXCELLENCE RECOGNISED
CLIENT FEEDBACK
Kiril Nedev
15:33 22 Mar 21
Absolutely satisfied, Jake’s commitment towards my application was impressive, he would reply my queries on Friday late evening and even early Saturday, quite easy to deal with him as he was patient and his guidance throughout the whole process brought the results that he’d promised at very beginning. Looking forward to use his services again in near future, highly recommending him and his team.
Wesley Brown
15:10 17 Mar 21
Mitch and the team at Integrum Finance provided great advice for my company to take advantage of the HMRC Research and Development scheme, where we received a significant pay out. Their straightforward, honest approach means that I will be using them again to complete RnD applications. Highly recommended.
Steven Stinders
10:57 17 Mar 21
Jake, Mitch and the Integrum team are nothing short of consummate professionals. Their straightforward and clear approach to business gave real confidence in them from the outset and my HMRC Research and Development Tax Relief application was successfully submitted, and I received in excess of £50K back into my business. I recommend them highly and will be using them again for RnD applications and the other financial services that they provide.
Paul Day
07:45 14 Mar 21
Usually deal direct with the dealership on new car purchase but Jake supported wider thinking which resulted in a superior more flexible package - will not use manufacturer finance again. Well done Jake.
Craig Cullingworth
10:34 25 Feb 21
I have been dealing with Jake for nearly 2 years now. If Jake can't make it happen then it won't happen and thats my take on it.
Goes above and beyond the call of duty and has never let me down.
Looking forward to expanding my business in the future and needless to say Jake will be a part of it every step of the way.
Highly recommended!
Goes above and beyond the call of duty and has never let me down.
Looking forward to expanding my business in the future and needless to say Jake will be a part of it every step of the way.
Highly recommended!
GREGGIO Music
14:17 08 Feb 21
Best in the game!
They did everything to make my dream come true.
Be a Ferrari owner!!
Highly recommend their work.
They did everything to make my dream come true.
Be a Ferrari owner!!
Highly recommend their work.
Aaron Mcgimpsey-Joyce
22:52 05 Feb 21
I can’t recommend Jake highly enough. He was quick to respond to any queries I had and gave me well informed information. I wouldn’t hesitate in using Integrum again and would highly recommend them to anyone.